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Savings Rates | GIC/GIA: 1 to 6 years (Non-Registered)
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| Financial Institution | Compound Frequency | Payment Frequency | Redeemable | Minimum Deposit | Term in Years | |||||
| 1 | 2 | 3 | 4 | 5 | 6 | |||||
| AGF Trust | Annually | At maturity | no | 5,000 | 1.450 | 1.750 | 1.850 | 2.050 | 2.200 | - |
|---|---|---|---|---|---|---|---|---|---|---|
| ATB Financial | Annually | At maturity | no | 1,000 | 1.500 | 1.600 | 1.700 | 2.000 | 2.150 | - |
| AcceleRate Financial | Annually | At maturity | no | 1,000 | 1.950 | 2.150 | 2.300 | 2.450 | 2.700 | 2.750 |
| Achieva Financial | Annually | At maturity | no | 1,000 | 1.950 | 2.150 | 2.300 | 2.450 | 2.700 | - |
| B2B Bank | Annually | At maturity | no | 1,000 | 1.450 | 1.750 | 1.850 | 2.050 | 2.200 | - |
| Bank of Montreal | Annually | At maturity | no | 100,000 | 1.000 | 1.150 | 1.350 | 1.600 | 1.950 | 1.950 |
| Bank of Montreal | Annually | At maturity | no | 250,000 | 1.000 | 1.150 | 1.350 | 1.600 | 1.950 | 1.950 |
| Bank of Montreal | Annually | At maturity | no | 1,000 | 1.000 | 1.150 | 1.350 | 1.600 | 1.950 | 1.950 |
| Bank of Nova Scotia | Annually | At maturity | no | 250,000 | 0.900 | 1.100 | 1.250 | 1.400 | 1.750 | 1.750 |
| Bank of Nova Scotia | Annually | At maturity | no | 100,000 | 0.900 | 1.100 | 1.250 | 1.400 | 1.750 | 1.750 |
| Bank of Nova Scotia | Annually | At maturity | no | 25,000 | 0.900 | 1.100 | 1.250 | 1.400 | 1.750 | 1.750 |
| Bank of Nova Scotia | Annually | At maturity | no | 5,000 | 0.900 | 1.100 | 1.250 | 1.400 | 1.750 | 1.750 |
| Bank of Nova Scotia | Annually | At maturity | no | 1,000 | 0.900 | 1.100 | 1.250 | 1.400 | 1.750 | 1.750 |
| Bk Nova Scotia Mtg. Corp | Annually | At maturity | no | 1,000 | 0.900 | 1.100 | 1.250 | 1.400 | 1.750 | 1.750 |
| Bk Nova Scotia Mtg. Corp | Annually | At maturity | no | 5,000 | 0.900 | 1.100 | 1.250 | 1.400 | 1.750 | 1.750 |
| Bk Nova Scotia Mtg. Corp | Annually | At maturity | no | 25,000 | 0.900 | 1.100 | 1.250 | 1.400 | 1.750 | 1.750 |
| Bk Nova Scotia Mtg. Corp | Annually | At maturity | no | 100,000 | 0.900 | 1.100 | 1.250 | 1.400 | 1.750 | 1.750 |
| Bk Nova Scotia Mtg. Corp | Annually | At maturity | no | 250,000 | 0.900 | 1.100 | 1.250 | 1.400 | 1.750 | 1.750 |
| CIBC Trust Corp. | Annually | At maturity | no | 250,000 | 0.900 | 1.100 | 1.250 | 1.400 | 1.750 | 1.750 |
| CIBC Trust Corp. | Annually | At maturity | no | 1,000 | 0.900 | 1.100 | 1.250 | 1.400 | 1.750 | 1.750 |
| CIBC Trust Corp. | Annually | At maturity | no | 5,000 | 0.900 | 1.100 | 1.250 | 1.400 | 1.750 | 1.750 |
| CIBC Trust Corp. | Annually | At maturity | no | 100,000 | 0.900 | 1.100 | 1.250 | 1.400 | 1.750 | 1.750 |
| Caisses Desjardins | Annually | At maturity | yes | 1,000 | 0.900 | 0.850 | 1.000 | 1.250 | 1.500 | - |
| Caisses Desjardins | Annually | At maturity | no | 1,000 | 0.900 | 1.100 | 1.250 | 1.500 | 1.750 | - |
| Canada Life | Annually | At maturity | yes | 25,000 | 1.025 | 1.125 | 1.275 | 1.325 | 1.425 | 1.825 |
| Canada Life | Annually | At maturity | yes | 75,000 | 1.150 | 1.250 | 1.400 | 1.450 | 1.550 | 1.950 |
| Canada Life | Annually | At maturity | yes | 1,000 | 0.900 | 1.000 | 1.150 | 1.200 | 1.300 | 1.700 |
| Canadian Direct Fin'l | Annually | At maturity | no | 1,000 | 1.450 | 1.700 | 1.850 | 2.000 | 2.200 | - |
| Canadian Direct Fin'l | Annually | At maturity | no | 100,000 | 1.450 | 1.700 | 1.850 | 2.000 | 2.200 | - |
| Canadian Tire Bank | Annually | At maturity | no | 500 | 1.050 | 1.350 | 1.550 | 1.700 | 2.000 | - |
| Canadian Western Bank | Annually | At maturity | no | 1,000 | 1.450 | 1.700 | 1.850 | 2.000 | 2.200 | - |
| Canadian Western Trust | Annually | At maturity | no | 5,000 | 1.250 | 1.350 | 1.500 | 1.850 | 2.150 | - |
| Coast Capital Savings | Annually | At maturity | no | 1,000 | 1.500 | 1.700 | 2.000 | 2.100 | 2.250 | - |
| Community Trust | Annually | At maturity | no | 5,000 | 1.450 | 1.650 | 1.750 | 1.850 | 2.000 | - |
| Community Trust | Annually | At maturity | no | 1,000 | 1.200 | 1.400 | 1.500 | 1.600 | 1.750 | - |
| Concentra Financial | Annually | At maturity | no | 1,000 | 1.150 | 1.300 | 1.400 | 1.600 | 2.000 | - |
| DUCA Financial Services | Annually | At maturity | no | 500 | 1.300 | 1.600 | 1.800 | 1.800 | 2.200 | 2.200 |
| DUCA Financial Services | Annually | At maturity | yes | 500 | 1.100 | 1.200 | 1.300 | 1.500 | 1.800 | 1.800 |
| Desjardins Fin. Security | Annually | At maturity | yes | 500 | 1.050 | 1.050 | 1.250 | 1.500 | 1.700 | - |
| Effort Trust | Annually | At maturity | no | 5,000 | 1.700 | 1.850 | 2.000 | 2.150 | 2.300 | - |
| Empire Life | Annually | At maturity | yes | 500 | 1.100 | 1.350 | 1.475 | 1.600 | 1.850 | 1.850 |
| Empire Life | Annually | At maturity | yes | 50,000 | 1.225 | 1.475 | 1.600 | 1.725 | 1.975 | 1.975 |
| Empire Life | Annually | At maturity | yes | 100,000 | 1.350 | 1.600 | 1.725 | 1.850 | 2.100 | 2.100 |
| Entegra Credit Union | Annually | At maturity | no | 1,000 | 1.850 | 2.050 | 2.200 | 2.350 | 2.600 | - |
| Equitable Life | Annually | At maturity | yes | 500 | 1.050 | 1.450 | 1.575 | 1.750 | 2.000 | 1.900 |
| Equitable Life | Annually | At maturity | yes | 25,000 | 1.050 | 1.450 | 1.575 | 1.750 | 2.000 | 1.900 |
| Equitable Life | Annually | At maturity | yes | 50,000 | 1.175 | 1.575 | 1.700 | 1.875 | 2.125 | 2.025 |
| Equitable Trust | Annually | At maturity | no | 5,000 | 1.400 | 1.700 | 1.800 | 2.160 | 2.260 | - |
| Fiducie Desjardins | Annually | At maturity | no | 1,000 | - | 1.100 | 1.250 | 1.500 | 1.750 | - |
| FirstOntario Credit Un. | Annually | At maturity | no | 500 | 1.600 | 1.650 | 1.900 | 2.100 | 2.300 | - |
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Term deposits are investment products that offer a guaranteed rate of return for a pre-defined time period. The applicable interest rate varies according to the term of investment, the amount of money invested, the treatment of interest and whether or not the investment is redeemed prior to maturity. Term deposits are also known as GICs (Guaranteed Investment Certificates), or Accumulation Annuities when issued by an insurance company. These investments are registered for tax purposes as an RSP (retirement savings plan).
Prepared by Cannex on May 20, 2013
This information is current as of the date and time posted and is subject to change without notice.
© Copyright 2007 CANNEX Financial Exchanges Limited. All rights reserved.