@marry My dad negotiates every quarter, always gets a higher rate with tangerine. He even negotiates the savings account rate and hasn’t paid a bank fee at RBC since the 90s.
@reborn8265 They often give premium rates to "VIP" clients, or 90% of their customers to make you feel special. The posted rate on their website is what the last 10% can receive, but likely aren't in a position to buy a GIC anyway. Im being offered about 5.5% through RBC so this deal with TD is good.
@katyc i had 60+k in GIC and asked but the HSBC rep said they couldn't give me something more than what website said (which is like 4.7%). Maybe because mine is redeemable..