Certificates of Deposit & Fixed Income
Explore Fixed-Term Deposit Opportunities With Greater Clarity.Compare fixed-term deposit options, understand how interest rates and maturities affect your savings, and explore available opportunities with clear information about terms, access to funds and applicable protections.
General information only. Caldoun Capital Inc. is not a bank, does not accept or hold deposits, and does not provide deposit insurance. Certificates of Deposit and GICs are issued by deposit-taking institutions. Information on this page does not mean that any product is available through Caldoun Capital Inc.; any product-specific arrangement is subject to verification, eligibility, applicable law and the issuer's terms.
Rate Comparison
Rates are shown only when retrieved from an authorised data provider, with the source, timestamps and a link to the issuer's product terms. US CDs (USD, APY) and Canadian GICs (CAD, annual rate) are never ranked together.
Retrieving data from the configured provider.
Rate Calculator
Enter a rate from an issuer's published terms. No rate is pre-filled. An APY is applied once over the term and is never compounded a second time.
Initial deposit
—
Estimated interest
—
Estimated maturity value
—
Effective annual yield
—
Illustrative estimate — not an offer, quote, or guarantee of return.
Assumes the rate is fixed for the full term and the deposit is held to maturity. Excludes early-withdrawal penalties, taxes, fees, currency conversion and rate changes on renewal. Simple-interest results assume interest is paid out, not reinvested; issuers may use different day-count conventions. Not a personalised recommendation.
Investor Education
01
A Certificate of Deposit is a time-deposit product offered by a bank or other eligible deposit-taking institution. A customer places funds with the institution for an agreed term in exchange for interest under specified conditions. The rate, term, minimum deposit, withdrawal restrictions and applicable protections vary by product and institution.
02
The nominal rate is the stated annual interest rate before compounding. The Annual Percentage Yield (APY) reflects the total interest earned over a year once compounding is included, which makes products with different compounding easier to compare. Rates are usually fixed for the term. Interest may be compounded and paid at maturity, or paid out monthly, quarterly or annually. At the maturity date the term ends and the deposit may be paid out or renewed under the issuer's renewal conditions.
03
Look beyond the headline yield. Compare the effective yield (APY), the term, the minimum deposit, the early-withdrawal penalty, whether you are eligible to open the product, deposit insurance coverage and limits, any fees, and how soon you may need the funds. A higher rate with a long lock-up may not suit short-term liquidity needs.
04
Maturity instructions vary by institution. Funds may be transferred, paid out or automatically renewed according to the account agreement and the customer's instructions. Review renewal notices and maturity options before the maturity date — an automatic renewal may be at a different rate and term.
05
Eligible US bank deposits may qualify for FDIC insurance, subject to applicable ownership-category rules and coverage limits; eligibility depends on the issuing institution, product, account ownership and other conditions. For Canadian GICs, eligible deposits may qualify for CDIC or applicable provincial deposit-insurance coverage, subject to the institution, product, ownership category and applicable limits. Not every CD, GIC, brokerage product or investment is insured. Verify coverage at fdic.gov or cdic.ca.
06
CDs may suit certain short- or medium-term savings objectives, but they can involve restricted access to funds, early-withdrawal penalties, inflation risk (returns may not keep pace with prices), reinvestment risk (rates may be lower at renewal) and currency risk for deposits held in a foreign currency. Deposits and market-linked investment products are not interchangeable and carry different risks and protections.
Canadian Visitors
Canadian residents can hold both Canadian Guaranteed Investment Certificates (GICs) and US Certificates of Deposit. US CD rates have generally been higher than comparable Canadian GIC rates, which is why many Canadian savers consider US-dollar deposits alongside their Canadian holdings. The two products differ in issuer, currency, rate conventions, deposit insurance and how they are accessed, so the considerations below are worth reviewing before you choose.
| US Certificate of Deposit | Canadian GIC | |
|---|---|---|
| Currency | Usually USD | Usually CAD |
| Rate quoted as | APY (includes compounding) | Annual interest rate; compounding and payment terms stated separately |
| Deposit insurance | FDIC, for eligible deposits within limits | CDIC or provincial insurer, for eligible deposits within limits |
| Typical issuer | US banks and savings institutions | Canadian banks, trust companies and credit unions |
| Bought through | Directly from the bank, or via a brokerage (brokered CDs have different terms) | Directly from the issuer, or via a dealer or intermediary |
Points to weigh: currency exchange between CAD and USD, FDIC coverage (which applies to the US issuer, not Canadian insurers), US tax reporting for Canadian residents, and each institution's own eligibility rules. Availability of any specific product — including through Caldoun Capital Inc. — is confirmed only after verification of the issuer, the distribution arrangement and applicable law. A GIC rate view will appear in the comparison above only once an authorised Canadian rate source is connected.
Enquiry
Tell us what type of fixed-term deposit information you are looking for. Our team can review your enquiry and clarify which information or opportunities may be available to you.
Please do not include government ID, banking credentials, account numbers or financial documents in this form.
Rates, terms and insurance coverage are set by issuing institutions and can change without notice. Always review the issuer's current product terms before making any decision. Nothing on this page is an offer, solicitation, recommendation or guarantee of return or availability.
Privacy PolicyTerms & ConditionsRisk DisclosureRegulatory & Corporate Information
