4.75% is the new money... 3.7% is the original direct saving a/c u r having
& for RRSP... 4% is the saving option (the last day of dis promotional period is March 31st) , & 4.35% is the GIC which so called term deposit. Minimum $500 deposit, can redemp at any time.
4.35%? not one year i presume?
as for the 4%... i think they mean they will give you the 4% unless Mar 31st, afterwards, you will get the regular rate of 2.x%, instead of getting the 4% as long as you put your money in before that date.