Savings Rates | GIC/GIA: 1 to 6 years (Registered)

Sorted by: 1 Year Term in ascending order (Click on a column heading to sort up or down)
Financial Institution Compound Frequency Payment Frequency Redeemable Minimum Deposit Term in Years
1 2 3 4 5 6
Great-West Life Not compounded Monthly no 500 0.050 0.050 0.050 0.100 0.300 0.500
Great-West Life Not compounded Monthly yes 500 0.050 0.050 0.050 0.100 0.300 0.500
Great-West Life Not compounded Monthly no 25,000 0.175 0.175 0.175 0.225 0.425 0.625
Great-West Life Not compounded Monthly yes 25,000 0.175 0.175 0.175 0.225 0.425 0.625
Great-West Life Not compounded Monthly no 50,000 0.300 0.300 0.300 0.350 0.550 0.750
Great-West Life Not compounded Monthly yes 50,000 0.300 0.300 0.300 0.350 0.550 0.750
Laurentian Bank Canada Annually At maturity yes 500 0.350 0.600 0.750 0.900 1.250 -
Laurentian Bank Canada Not compounded Annually yes 500 0.350 0.600 0.750 0.900 1.250 -
CIBC Annually At maturity yes 500 0.400 0.500 0.700 - - -
Manulife Investments Annually At maturity yes 2,500 0.400 0.500 0.550 0.800 1.000 1.000
National Bank Annually At maturity yes 500 0.400 0.650 0.750 0.950 1.150 -
Standard Life Annually At maturity yes 500,000 0.400 0.500 0.550 0.800 1.000 1.000
Standard Life Annually At maturity yes 250,000 0.400 0.500 0.550 0.800 1.000 1.000
Standard Life Annually At maturity yes 100,000 0.400 0.500 0.550 0.800 1.000 1.000
Standard Life Annually At maturity yes 50,000 0.400 0.500 0.550 0.800 1.000 1.000
Standard Life Annually At maturity yes 25,000 0.400 0.500 0.550 0.800 1.000 1.000
Standard Life Annually At maturity yes 1,000 0.400 0.500 0.550 0.800 1.000 1.000
Canada Life Annually At maturity yes 1,000 0.550 0.550 0.550 0.600 0.800 1.000
Great-West Life Not compounded Annually no 500 0.550 0.550 0.550 0.600 0.800 1.000
Great-West Life Annually At maturity no 500 0.550 0.550 0.550 0.600 0.800 1.000
Great-West Life Not compounded Annually yes 500 0.550 0.550 0.550 0.600 0.800 1.000
Great-West Life Annually At maturity yes 500 0.550 0.550 0.550 0.600 0.800 1.000
London Life Annually At maturity yes 1,000 0.550 0.550 0.550 0.600 0.800 -
ATB Financial Semi-annually At maturity yes 500 0.600 0.600 0.750 0.900 1.250 -
Laurentian Bank Canada Annually At maturity no 500 0.600 0.850 1.000 1.150 1.500 -
Laurentian Bank Canada Not compounded Annually no 500 0.600 0.850 1.000 1.150 1.500 -
Royal Bank of Canada Semi-annually At maturity yes 500 0.600 0.800 0.800 1.050 1.250 -
Empire Life Annually At maturity yes 500 0.625 0.625 0.750 0.875 1.125 1.250
CIBC Annually At maturity no 500 0.650 0.750 0.950 1.150 1.400 -
CIBC Not compounded Annually cashable 500 0.650 - - - - -
Manulife Investments Annually At maturity no 2,500 0.650 0.750 0.800 1.050 1.250 1.250
National Bank Annually At maturity no 500 0.650 0.950 1.050 1.250 1.450 -
Sun Life - Insurance Annually At maturity yes 1,000 0.650 0.700 0.750 1.650 1.650 -
Sun Life - Insurance Not compounded Annually yes 1,000 0.650 0.700 0.750 1.650 1.650 -
Sun Life - Trust Not compounded Annually yes 1,000 0.650 0.700 0.750 1.250 1.650 -
Sun Life - Trust Annually At maturity yes 1,000 0.650 0.700 0.750 1.250 1.650 -
Canada Life Annually At maturity yes 25,000 0.675 0.675 0.675 0.725 0.925 1.125
Great-West Life Annually At maturity no 25,000 0.675 0.675 0.675 0.725 0.925 1.125
Great-West Life Not compounded Annually yes 25,000 0.675 0.675 0.675 0.725 0.925 1.125
Great-West Life Annually At maturity yes 25,000 0.675 0.675 0.675 0.725 0.925 1.125
Great-West Life Not compounded Annually no 25,000 0.675 0.675 0.675 0.725 0.925 1.125
Concentra Financial Not compounded Annually cashable 5,000 0.700 - - - - -
BMO Bank of Montreal Annually At maturity yes 1,000 0.750 0.800 0.900 1.000 1.250 -
CFF Bank Not compounded At maturity cashable 10,000 0.750 - - - - -
Empire Life Annually At maturity yes 50,000 0.750 0.750 0.875 1.000 1.250 1.375
Industrial Alliance Annually At maturity yes 1,000 0.750 1.100 1.150 1.350 1.500 -
Industrial Alliance Not compounded Annually yes 1,000 0.750 1.100 1.150 1.350 1.500 -
Caisses Desjardins Not compounded Monthly no 500 0.800 0.900 1.000 1.200 1.400 -
Caisses Desjardins Not compounded Semi-annually no 500 0.800 0.900 1.000 1.200 1.400 -
Canada Life Annually At maturity yes 75,000 0.800 0.800 0.800 0.850 1.050 1.250
Great-West Life Annually At maturity yes 50,000 0.800 0.800 0.800 0.850 1.050 1.250
Great-West Life Not compounded Annually no 50,000 0.800 0.800 0.800 0.850 1.050 1.250
Great-West Life Annually At maturity no 50,000 0.800 0.800 0.800 0.850 1.050 1.250
Great-West Life Not compounded Annually yes 50,000 0.800 0.800 0.800 0.850 1.050 1.250
London Life Annually At maturity yes 50,000 0.800 0.800 0.800 0.850 1.050 -
ATB Financial Annually At maturity yes 500 0.850 0.850 1.000 1.150 1.500 -
CFF Bank Not compounded At maturity cashable 25,000 0.850 - - - - -
Caisses Desjardins Annually At maturity no 500 0.850 0.950 1.050 1.250 1.450 -
Caisses Desjardins Not compounded Annually no 1,000 0.850 0.950 1.050 1.250 1.450 -
Fiducie Desjardins Not compounded Annually no 1,000 0.850 0.950 1.050 1.250 1.450 -
Royal Bank of Canada Not compounded Annually no 500 0.850 1.050 1.050 1.300 1.500 -
Royal Bank of Canada Annually At maturity no 500 0.850 1.050 1.050 1.300 1.500 -
Empire Life Annually At maturity yes 100,000 0.875 0.875 1.000 1.125 1.375 1.500
Alterna Bank Not compounded Annually yes 500 0.900 - - - - -
Alterna Savings Not compounded Annually yes 500 0.900 - - - - -
Bank of Nova Scotia Annually At maturity no 500 0.900 1.100 1.150 1.300 1.500 -
Bk Nova Scotia Mtg. Corp Annually At maturity no 500 0.900 1.100 1.150 1.300 1.500 -
First Calgary Financial Annually At maturity no 500 0.900 1.100 1.150 1.300 1.500 -
Industrial Alliance Not compounded Annually yes 25,000 0.900 1.250 1.300 1.500 1.650 -
Industrial Alliance Annually At maturity yes 25,000 0.900 1.250 1.300 1.500 1.650 -
Windsor Family C.U. Annually At maturity no 500 0.900 1.100 1.150 1.300 1.500 -
Equitable Life Annually At maturity yes 500 0.950 1.300 1.200 1.200 1.500 -
Equitable Life Annually At maturity yes 50,000 0.950 1.300 1.200 1.200 1.500 -
Equitable Life Annually At maturity yes 25,000 0.950 1.300 1.200 1.200 1.500 -
HSBC Bank Canada Annually At maturity no 50,000 0.950 1.000 1.100 1.300 1.500 -
HSBC Bank Canada Annually At maturity no 500 0.950 1.000 1.100 1.300 1.500 -
Industrial Alliance Not compounded Annually yes 100,000 0.950 1.300 1.350 1.550 1.700 -
Industrial Alliance Annually At maturity yes 100,000 0.950 1.300 1.350 1.550 1.700 -
BMO Bank of Montreal Not compounded Annually no 1,000 1.000 1.050 1.150 1.250 1.500 1.500
BMO Bank of Montreal Annually At maturity no 1,000 1.000 1.050 1.150 1.250 1.500 1.500
Industrial Alliance Annually At maturity yes 200,000 1.000 1.350 1.400 1.600 1.750 -
Industrial Alliance Not compounded Annually yes 200,000 1.000 1.350 1.400 1.600 1.750 -
Ontario Civil Service CU Annually At maturity no 5,000 1.000 1.100 1.150 1.200 1.700 -
Ontario Civil Service CU Annually At maturity no 10,000 1.000 1.350 1.400 1.450 1.900 -
Ontario Civil Service CU Annually At maturity no 1,000 1.000 1.100 1.150 1.200 1.700 -
Servus Credit Union Annually At maturity no 500 1.000 1.050 1.150 1.300 1.500 -
President's Choice Fin'l Not compounded Annually no 100 1.050 1.300 1.400 1.600 1.800 -
President's Choice Fin'l Annually At maturity no 100 1.050 1.300 1.400 1.600 1.800 -
Tangerine Annually At maturity yes 1 1.050 1.300 1.400 1.600 1.800 -
CFF Bank Annually At maturity no 5,000 1.100 1.350 1.500 1.650 1.850 -
CFF Bank Not compounded Annually no 5,000 1.100 1.350 1.500 1.650 1.850 -
Concentra Financial Annually At maturity no 1,000 1.100 1.200 1.400 1.500 1.700 -
Sun Life - Trust Annually At maturity no 1,000 1.150 1.250 1.350 1.550 1.950 -
Sun Life - Trust Not compounded Annually no 1,000 1.150 1.250 1.350 1.550 1.950 -
CFF Bank Annually At maturity no 25,000 1.200 1.400 1.550 1.700 1.900 -
CFF Bank Not compounded Annually no 25,000 1.200 1.400 1.550 1.700 1.900 -
PACE Savings & Credit Un Annually At maturity no 1,000 1.200 1.300 1.600 1.750 2.100 -
ATB Financial Semi-annually At maturity no 500 1.250 1.450 0.900 1.050 1.250 -
Libro Credit Union Not compounded Annually no 500 1.250 1.600 2.300 2.050 2.150 -
Manulife Bank Annually At maturity no 2,500 1.250 1.450 1.550 1.750 1.950 -
Meridian Credit Union Annually At maturity no 500 1.250 1.350 1.550 1.750 2.000 -
Ontario Civil Service CU Annually At maturity no 20,000 1.250 1.350 1.400 1.450 1.900 -
Ontario Civil Service CU Annually At maturity no 40,000 1.250 1.350 1.400 1.450 2.100 -
TD Canada Trust Not compounded Annually no 500 1.260 1.050 1.100 1.200 1.300 -
TD Canada Trust Annually At maturity no 500 1.260 1.050 1.100 1.200 1.300 -
Coast Capital Savings Annually At maturity no 1,000 1.300 1.400 1.600 1.700 1.900 -
Your Neighbourhood C.U. Not compounded Annually no 500 1.300 1.500 1.800 2.000 2.100 -
Your Neighbourhood C.U. Annually At maturity no 500 1.300 1.500 1.800 2.000 2.100 -
Your Neighbourhood C.U. Not compounded Annually no 20,000 1.350 1.550 1.850 2.050 2.150 -
Your Neighbourhood C.U. Annually At maturity no 20,000 1.350 1.550 1.850 2.050 2.150 -
Comtech Credit Union Annually At maturity no 200,000 1.400 1.750 1.850 2.200 2.300 -
Comtech Credit Union Annually At maturity no 100,000 1.400 1.750 1.850 2.200 2.300 -
Comtech Credit Union Annually At maturity no 1,000 1.400 1.750 1.850 2.200 2.300 -
Comtech Credit Union Annually At maturity no 50,000 1.400 1.750 1.850 2.200 2.300 -
Ontario Civil Service CU Annually At maturity no 100,000 1.400 1.500 1.550 1.600 2.250 -
Ontario Civil Service CU Annually At maturity no 60,000 1.400 1.500 1.550 1.600 2.250 -
Your Neighbourhood C.U. Annually At maturity no 100,000 1.400 1.600 1.900 2.100 2.200 -
Your Neighbourhood C.U. Not compounded Annually no 100,000 1.400 1.600 1.900 2.100 2.200 -
B2B Bank Not compounded Semi-annually no 1,000 1.450 1.750 1.860 1.920 2.160 -
ICICI Bank Canada Annually At maturity yes 1,000 1.450 1.550 1.750 1.950 2.150 -
Peace Hills Trust Not compounded Annually no 1,000 1.450 1.650 1.750 1.900 2.050 -
Peace Hills Trust Annually At maturity no 1,000 1.450 1.650 1.750 1.900 2.050 -
State Bank of India (C) Annually Annually no 1,000 1.450 1.550 1.750 1.950 2.150 -
Canadian Western Trust Annually At maturity no 5,000 1.460 1.600 1.810 1.850 1.950 -
ATB Financial Annually At maturity no 500 1.500 1.700 1.150 1.300 1.500 -
DUCA Financial Services Annually At maturity no 500 1.500 1.750 2.000 2.150 2.300 2.300
Effort Trust Annually At maturity no 1,000 1.500 1.825 1.850 1.900 2.000 -
FirstOntario Credit Un. Annually At maturity no 500 1.500 1.700 1.800 1.900 2.000 -
Alterna Bank Annually At maturity no 500 1.600 1.600 1.400 1.500 1.750 -
Alterna Savings Annually At maturity no 500 1.600 1.600 1.400 1.500 1.750 -
Canadian Western Bank Annually At maturity no 500 1.600 1.810 1.860 1.920 1.950 -
MCAN Mortgage Corp. Not compounded Annually no 5,000 1.600 1.800 1.800 1.800 1.900 -
MCAN Mortgage Corp. Annually At maturity no 5,000 1.600 1.800 1.800 1.800 1.900 -
Parama Credit Union Annually At maturity no 1,000 1.600 1.750 1.900 2.050 2.200 -
Home Trust Company Annually At maturity no 1,000 1.610 1.810 1.870 1.930 2.110 -
Pacific & Western Bank Annually At maturity no 1,000 1.610 1.810 1.860 1.920 2.110 -
Community Trust Annually At maturity no 1,000 1.650 1.850 2.000 2.100 2.250 -
MCAN Mortgage Corp. Annually At maturity no 25,000 1.650 1.850 1.850 1.850 1.950 -
MCAN Mortgage Corp. Not compounded Annually no 25,000 1.650 1.850 1.850 1.850 1.950 -
MCAN Mortgage Corp. Not compounded Annually no 100,000 1.700 1.900 1.900 1.900 2.000 -
MCAN Mortgage Corp. Annually At maturity no 100,000 1.700 1.900 1.900 1.900 2.000 -
Canadian Direct Fin'l Annually At maturity no 500 1.850 2.060 2.110 2.170 2.200 -
Oaken Financial Annually At maturity no 1,000 1.900 2.100 2.150 2.200 2.300 -
Outlook Financial Not compounded Monthly yes 1,000 1.900 2.050 2.150 2.300 2.400 -
Entegra Credit Union Not compounded Annually no 1,000 1.950 2.100 2.200 2.350 2.450 -
Entegra Credit Union Annually At maturity no 1,000 1.950 2.100 2.200 2.350 2.450 -
Steinbach Credit Union Annually At maturity no 500 1.950 2.100 2.200 2.350 2.450 -
Achieva Financial Annually At maturity no 1,000 2.050 2.200 2.300 2.450 2.550 -
Outlook Financial Annually At maturity yes 1,000 2.050 2.200 2.300 2.450 2.550 -
Outlook Financial Not compounded Annually yes 1,000 2.050 2.200 2.300 2.450 2.550 -
AcceleRate Financial Annually At maturity no 500 2.100 2.250 2.450 2.500 2.600 2.650
MAXA Financial Not compounded Annually yes 500 2.100 2.250 2.350 2.500 2.650 -
Hubert Financial Annually At maturity yes 1,000 2.200 2.300 2.450 2.550 2.700 -
Peoples Trust Annually At maturity no 1,000 2.250 2.450 2.450 2.500 2.650 -
Fiducie Desjardins Annually At maturity no 1,000 - 0.950 1.050 1.250 1.450 -

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 April 25, 2015

This information is current as of the date and time posted and is subject to change without notice.

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