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 0.250 0.450 0.550 0.900 1.200 1.400
Great-West Life Not compounded Monthly yes 500 0.250 0.450 0.550 0.900 1.200 1.400
Great-West Life Not compounded Monthly yes 25,000 0.375 0.575 0.675 1.025 1.325 1.525
Great-West Life Not compounded Monthly no 25,000 0.375 0.575 0.675 1.025 1.325 1.525
Great-West Life Not compounded Monthly no 50,000 0.500 0.700 0.800 1.150 1.450 1.650
Great-West Life Not compounded Monthly yes 50,000 0.500 0.700 0.800 1.150 1.450 1.650
Laurentienne Trust Not compounded Quarterly no 500 0.500 0.730 0.880 1.030 1.380 -
Laurentienne Trust Not compounded Monthly no 500 0.500 0.600 0.750 0.900 1.250 -
ATB Financial Semi-annually At maturity yes 500 0.600 0.600 0.750 0.900 1.250 -
Laurentian Bank Canada Not compounded Annually yes 500 0.600 0.850 1.000 1.150 1.500 -
Laurentienne Trust Not compounded Semi-annually no 500 0.600 0.850 1.000 1.150 1.500 -
CIBC Annually At maturity yes 500 0.650 0.850 1.000 - - -
Laurentian Bank Canada Annually At maturity yes 500 0.650 0.850 1.000 1.150 1.500 -
National Bank Annually At maturity yes 500 0.650 0.850 0.950 1.200 1.450 -
BMO Bank of Montreal Annually At maturity yes 500 0.750 0.900 1.100 1.350 1.700 -
CFF Bank Not compounded At maturity cashable 10,000 0.750 - - - - -
Canada Life Annually At maturity yes 1,000 0.750 0.950 1.050 1.400 1.700 1.900
Great-West Life Annually At maturity no 500 0.750 0.950 1.050 1.400 1.700 1.900
Great-West Life Not compounded Annually yes 500 0.750 0.950 1.050 1.400 1.700 1.900
Great-West Life Annually At maturity yes 500 0.750 0.950 1.050 1.400 1.700 1.900
Great-West Life Not compounded Annually no 500 0.750 0.950 1.050 1.400 1.700 1.900
London Life Annually At maturity yes 1,000 0.750 0.950 1.050 1.400 1.700 -
Manulife Investments Annually At maturity yes 2,500 0.750 1.200 1.300 1.550 1.800 1.850
CIBC Not compounded Annually cashable 500 0.800 - - - - -
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 Not compounded Monthly no 500 0.850 1.100 1.200 1.450 1.700 -
Caisses Desjardins Not compounded Semi-annually no 500 0.850 1.100 1.200 1.450 1.700 -
Desjardins Fin. Security Not compounded Annually yes 500 0.850 1.050 1.450 1.700 1.950 -
Desjardins Fin. Security Annually At maturity yes 500 0.850 1.050 1.450 1.700 1.950 -
Equitable Life Annually At maturity yes 500 0.850 1.300 1.500 1.750 1.950 -
Equitable Life Annually At maturity yes 25,000 0.850 1.300 1.500 1.750 1.950 -
Laurentian Bank Canada Not compounded Annually no 500 0.850 1.100 1.250 1.400 1.750 -
Laurentian Bank Canada Annually At maturity no 500 0.850 1.100 1.250 1.400 1.750 -
Laurentienne Trust Not compounded Annually no 500 0.850 1.100 1.250 1.400 1.750 -
Canada Life Annually At maturity yes 25,000 0.875 1.075 1.175 1.525 1.825 2.025
Great-West Life Annually At maturity no 25,000 0.875 1.075 1.175 1.525 1.825 2.025
Great-West Life Not compounded Annually yes 25,000 0.875 1.075 1.175 1.525 1.825 2.025
Great-West Life Annually At maturity yes 25,000 0.875 1.075 1.175 1.525 1.825 2.025
Great-West Life Not compounded Annually no 25,000 0.875 1.075 1.175 1.525 1.825 2.025
Bank of Nova Scotia Annually At maturity no 500 0.900 1.100 1.250 1.400 1.750 -
Bk Nova Scotia Mtg. Corp Annually At maturity no 500 0.900 1.100 1.250 1.400 1.750 -
CIBC Annually At maturity no 500 0.900 1.100 1.250 1.400 1.750 -
Caisses Desjardins Annually At maturity no 500 0.900 1.150 1.250 1.500 1.750 -
Caisses Desjardins Not compounded Annually no 1,000 0.900 1.150 1.250 1.500 1.750 -
Concentra Financial Not compounded Annually cashable 5,000 0.900 - - - - -
Fiducie Desjardins Not compounded Annually no 1,000 0.900 1.150 1.250 1.500 1.750 -
Industrial Alliance Annually At maturity yes 1,000 0.900 1.150 1.250 1.550 1.950 -
Industrial Alliance Not compounded Annually yes 1,000 0.900 1.150 1.250 1.550 1.950 -
National Bank Annually At maturity no 500 0.900 1.150 1.250 1.500 1.750 -
Windsor Family C.U. Annually At maturity no 500 0.900 1.100 1.250 1.400 1.750 -
Equitable Life Annually At maturity yes 50,000 0.975 1.425 1.625 1.875 2.075 -
BMO Bank of Montreal Not compounded Annually no 500 1.000 1.150 1.350 1.600 1.950 1.950
BMO Bank of Montreal Annually At maturity no 500 1.000 1.150 1.350 1.600 1.950 1.950
Canada Life Annually At maturity yes 75,000 1.000 1.200 1.300 1.650 1.950 2.150
Empire Life Annually At maturity yes 500 1.000 1.200 1.400 1.700 1.900 1.900
Great-West Life Not compounded Annually no 50,000 1.000 1.200 1.300 1.650 1.950 2.150
Great-West Life Annually At maturity no 50,000 1.000 1.200 1.300 1.650 1.950 2.150
Great-West Life Not compounded Annually yes 50,000 1.000 1.200 1.300 1.650 1.950 2.150
Great-West Life Annually At maturity yes 50,000 1.000 1.200 1.300 1.650 1.950 2.150
London Life Annually At maturity yes 50,000 1.000 1.200 1.300 1.650 1.950 -
Manulife Investments Annually At maturity no 2,500 1.000 1.450 1.550 1.800 2.050 2.100
Ontario Civil Service CU Annually At maturity no 5,000 1.000 1.100 1.350 1.600 1.900 -
Ontario Civil Service CU Annually At maturity no 1,000 1.000 1.100 1.350 1.600 1.900 -
Industrial Alliance Not compounded Annually yes 25,000 1.050 1.300 1.400 1.700 2.100 -
Industrial Alliance Annually At maturity yes 25,000 1.050 1.300 1.400 1.700 2.100 -
Royal Bank of Canada Semi-annually At maturity yes 500 1.050 1.300 1.350 1.350 1.750 -
Alterna Bank Not compounded Annually yes 500 1.100 - - - - -
Alterna Savings Not compounded Annually yes 500 1.100 - - - - -
Industrial Alliance Not compounded Annually yes 100,000 1.100 1.350 1.450 1.750 2.150 -
Industrial Alliance Annually At maturity yes 100,000 1.100 1.350 1.450 1.750 2.150 -
Empire Life Annually At maturity yes 50,000 1.125 1.325 1.525 1.825 2.025 2.025
HSBC Bank Canada Annually At maturity no 500 1.150 1.250 1.350 1.600 1.950 -
HSBC Bank Canada Annually At maturity no 50,000 1.150 1.250 1.350 1.600 1.950 -
Industrial Alliance Annually At maturity yes 200,000 1.150 1.400 1.500 1.800 2.200 -
Industrial Alliance Not compounded Annually yes 200,000 1.150 1.400 1.500 1.800 2.200 -
Standard Life Annually At maturity yes 500,000 1.150 1.300 1.450 1.700 1.950 2.000
Standard Life Annually At maturity yes 250,000 1.150 1.300 1.450 1.700 1.950 2.000
Standard Life Annually At maturity yes 100,000 1.150 1.300 1.450 1.700 1.950 2.000
Standard Life Annually At maturity yes 50,000 1.150 1.300 1.450 1.700 1.950 2.000
Standard Life Annually At maturity yes 25,000 1.150 1.300 1.450 1.700 1.950 2.000
Standard Life Annually At maturity yes 1,000 1.150 1.300 1.450 1.700 1.950 2.000
PACE Savings & Credit Un Annually At maturity no 1,000 1.200 1.300 1.600 1.750 2.100 -
Sun Life - Insurance Annually At maturity yes 1,000 1.200 1.200 1.200 1.750 2.000 -
Sun Life - Insurance Not compounded Annually yes 1,000 1.200 1.200 1.200 1.750 2.000 -
Sun Life - Trust Annually At maturity yes 1,000 1.200 1.200 1.200 1.750 2.000 -
Sun Life - Trust Not compounded Annually yes 1,000 1.200 1.200 1.200 1.750 2.000 -
Canadian Western Trust Annually At maturity no 5,000 1.250 1.400 1.600 1.850 2.100 -
Concentra Financial Annually At maturity no 1,000 1.250 1.450 1.700 1.900 2.000 -
Empire Life Annually At maturity yes 100,000 1.250 1.450 1.650 1.950 2.150 2.150
First Calgary Financial Annually At maturity no 500 1.250 1.650 1.700 1.750 2.350 -
Servus Credit Union Annually At maturity no 500 1.250 1.350 1.400 1.600 2.000 -
Ontario Civil Service CU Annually At maturity no 10,000 1.300 1.450 1.500 1.750 2.050 -
Ontario Civil Service CU Annually At maturity no 20,000 1.300 1.450 1.500 1.750 2.050 -
Royal Bank of Canada Not compounded Annually no 500 1.300 1.550 1.600 1.600 2.000 -
Royal Bank of Canada Annually At maturity no 500 1.300 1.550 1.600 1.600 2.000 -
TD Canada Trust Annually At maturity no 500 1.300 1.350 1.400 1.600 2.000 -
TD Canada Trust Not compounded Annually no 500 1.300 1.350 1.400 1.600 2.000 -
Libro Credit Union Not compounded Annually no 500 1.350 1.750 2.000 2.200 2.400 -
Ontario Civil Service CU Annually At maturity no 40,000 1.350 1.600 1.750 1.900 2.200 -
Ontario Civil Service CU Annually At maturity no 60,000 1.350 1.600 1.750 1.900 2.200 -
Ontario Civil Service CU Annually At maturity no 100,000 1.350 1.600 1.750 1.900 2.200 -
Tangerine Annually At maturity yes 1 1.350 1.650 1.900 2.200 2.550 -
ATB Financial Semi-annually At maturity no 500 1.380 1.550 1.500 1.750 1.950 -
Alterna Bank Annually At maturity no 500 1.400 2.100 1.850 1.900 2.300 -
Alterna Savings Annually At maturity no 500 1.400 2.100 1.850 1.900 2.300 -
Peoples Trust Annually At maturity no 5,000 1.400 1.700 1.850 2.100 2.300 -
President's Choice Fin'l Not compounded Annually no 100 1.400 1.650 1.900 2.200 2.500 -
President's Choice Fin'l Annually At maturity no 100 1.400 1.650 1.900 2.200 2.500 -
Community Trust Annually At maturity no 1,000 1.450 1.650 1.900 2.200 2.300 -
Peace Hills Trust Annually At maturity no 1,000 1.450 1.900 2.050 2.250 2.450 -
Peace Hills Trust Not compounded Annually no 1,000 1.450 1.900 2.050 2.250 2.450 -
Sun Life - Trust Not compounded Annually no 1,000 1.450 1.450 1.700 2.100 2.500 -
Sun Life - Trust Annually At maturity no 1,000 1.450 1.450 1.700 2.100 2.500 -
Manulife Bank Annually At maturity no 2,500 1.460 1.650 1.900 2.200 2.450 -
B2B Bank Annually At maturity no 1,000 1.500 2.000 2.100 2.250 2.460 -
Canadian Western Bank Annually At maturity no 500 1.500 1.800 2.200 2.250 2.450 -
DUCA Financial Services Annually At maturity no 500 1.500 1.900 2.000 2.350 2.600 2.600
FirstOntario Credit Un. Annually At maturity no 500 1.500 1.750 2.000 2.300 2.600 -
Meridian Credit Union Annually At maturity no 500 1.500 1.600 1.900 2.200 2.300 -
Pacific & Western Bank Annually At maturity no 1,000 1.500 1.700 2.150 2.050 2.200 -
Coast Capital Savings Annually At maturity no 1,000 1.550 1.650 1.950 2.050 2.250 -
ATB Financial Annually At maturity no 500 1.630 1.800 1.750 2.000 2.200 -
Parama Credit Union Annually At maturity no 1,000 1.650 1.900 2.150 2.350 2.550 -
State Bank of India (C) Annually Annually no 2,000 1.650 1.900 2.250 2.350 2.500 -
Your Neighbourhood C.U. Annually At maturity no 500 1.700 1.800 1.900 2.250 2.450 -
Your Neighbourhood C.U. Not compounded Annually no 500 1.700 1.800 1.900 2.250 2.450 -
CFF Bank Annually At maturity no 5,000 1.750 1.800 1.950 2.100 2.350 -
CFF Bank Not compounded Annually no 5,000 1.750 1.800 1.950 2.100 2.350 -
Canadian Direct Fin'l Annually At maturity no 500 1.750 2.050 2.250 2.500 2.700 -
ICICI Bank Canada Annually At maturity yes 1,000 1.750 2.050 2.500 2.600 3.000 -
Your Neighbourhood C.U. Not compounded Annually no 20,000 1.750 1.850 1.950 2.300 2.500 -
Your Neighbourhood C.U. Annually At maturity no 20,000 1.750 1.850 1.950 2.300 2.500 -
CFF Bank Not compounded Annually no 25,000 1.800 1.850 2.000 2.150 2.400 -
CFF Bank Annually At maturity no 25,000 1.800 1.850 2.000 2.150 2.400 -
Your Neighbourhood C.U. Annually At maturity no 100,000 1.800 1.900 2.000 2.350 2.550 -
Your Neighbourhood C.U. Not compounded Annually no 100,000 1.800 1.900 2.000 2.350 2.550 -
Effort Trust Annually At maturity no 1,000 1.850 2.100 2.250 2.350 2.500 -
Home Trust Company Annually At maturity no 1,000 1.900 2.050 2.200 2.300 2.600 -
MCAN Mortgage Corp. Not compounded Annually no 5,000 1.950 2.100 2.100 2.100 2.300 -
MCAN Mortgage Corp. Annually At maturity no 5,000 1.950 2.100 2.100 2.100 2.300 -
Entegra Credit Union Annually At maturity no 1,000 2.000 2.100 2.200 2.350 2.500 -
Entegra Credit Union Not compounded Annually no 1,000 2.000 2.100 2.200 2.350 2.500 -
MCAN Mortgage Corp. Not compounded Annually no 25,000 2.000 2.150 2.150 2.150 2.350 -
MCAN Mortgage Corp. Annually At maturity no 25,000 2.000 2.150 2.150 2.150 2.350 -
Oaken Financial Annually At maturity no 1,000 2.000 2.350 2.400 2.600 2.900 -
Outlook Financial Not compounded Monthly yes 1,000 2.000 2.150 2.350 2.500 2.650 -
MCAN Mortgage Corp. Annually At maturity no 100,000 2.050 2.200 2.200 2.200 2.400 -
MCAN Mortgage Corp. Not compounded Annually no 100,000 2.050 2.200 2.200 2.200 2.400 -
Comtech Credit Union Annually At maturity no 50,000 2.100 1.700 2.000 2.150 2.600 -
Comtech Credit Union Annually At maturity no 200,000 2.100 1.700 2.000 2.150 2.600 -
Comtech Credit Union Annually At maturity no 100,000 2.100 1.700 2.000 2.150 2.600 -
Comtech Credit Union Annually At maturity no 1,000 2.100 1.700 2.000 2.150 2.600 -
Steinbach Credit Union Annually At maturity no 500 2.100 2.200 2.350 2.450 2.600 -
Achieva Financial Annually At maturity no 1,000 2.150 2.250 2.350 2.450 2.600 -
MAXA Financial Not compounded Annually yes 500 2.150 2.250 2.400 2.550 2.700 0.000
Outlook Financial Not compounded Annually yes 1,000 2.150 2.300 2.500 2.650 2.800 -
Outlook Financial Annually At maturity yes 1,000 2.150 2.300 2.500 2.650 2.800 -
AcceleRate Financial Annually At maturity no 500 2.250 2.400 2.500 2.750 2.750 2.800
Fiducie Desjardins Annually At maturity no 1,000 - 1.150 1.250 1.500 1.750 -
Laurentienne Trust Annually At maturity no 500 - 1.100 1.250 1.400 1.750 -

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 July 30, 2014

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

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