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
ATB Financial Semi-annually At maturity yes 500 0.100 0.100 0.100 0.100 0.100 -
Laurentian Bank Canada Not compounded Monthly yes 500 0.250 0.250 0.400 0.550 0.750 -
Laurentian Bank Canada Not compounded Semi-annually yes 500 0.250 0.500 0.650 0.800 1.000 -
CIBC Annually At maturity yes 500 0.300 0.400 0.600 - - -
Great-West Life Not compounded Monthly no 500 0.300 0.350 0.550 0.700 0.850 1.000
Great-West Life Not compounded Monthly yes 500 0.300 0.350 0.550 0.700 0.850 1.000
ATB Financial Annually At maturity yes 500 0.350 0.350 0.350 0.350 0.350 -
Canada Life Annually At maturity yes 1,000 0.400 0.450 0.650 0.800 0.950 1.100
Great-West Life Not compounded Annually no 500 0.400 0.450 0.650 0.800 0.950 1.100
Great-West Life Annually At maturity no 500 0.400 0.450 0.650 0.800 0.950 1.100
Great-West Life Not compounded Annually yes 500 0.400 0.450 0.650 0.800 0.950 1.100
Great-West Life Annually At maturity yes 500 0.400 0.450 0.650 0.800 0.950 1.100
London Life Annually At maturity yes 1,000 0.400 0.450 0.650 0.800 0.950 -
Manulife Investments Annually At maturity yes 2,500 0.400 0.450 0.700 0.800 0.950 1.050
Great-West Life Not compounded Monthly no 25,000 0.425 0.475 0.675 0.825 0.975 1.125
Great-West Life Not compounded Monthly yes 25,000 0.425 0.475 0.675 0.825 0.975 1.125
CIBC Not compounded Annually cashable 500 0.500 - - - - -
Laurentian Bank Canada Not compounded Monthly no 500 0.500 0.500 0.650 0.800 1.000 1.000
Canada Life Annually At maturity yes 25,000 0.525 0.575 0.775 0.925 1.075 1.225
Great-West Life Not compounded Annually no 25,000 0.525 0.575 0.775 0.925 1.075 1.225
Great-West Life Annually At maturity no 25,000 0.525 0.575 0.775 0.925 1.075 1.225
Great-West Life Not compounded Annually yes 25,000 0.525 0.575 0.775 0.925 1.075 1.225
Great-West Life Annually At maturity yes 25,000 0.525 0.575 0.775 0.925 1.075 1.225
CIBC Annually At maturity no 500 0.550 0.650 0.850 1.050 1.250 -
Great-West Life Not compounded Monthly no 50,000 0.550 0.600 0.800 0.950 1.100 1.250
Great-West Life Not compounded Monthly yes 50,000 0.550 0.600 0.800 0.950 1.100 1.250
BMO Bank of Montreal Not compounded Monthly yes 5,000 0.600 0.800 0.900 1.000 1.250 -
Empire Life Annually At maturity yes 500 0.600 0.750 0.800 1.000 1.600 1.100
Laurentian Bank Canada Not compounded Quarterly no 500 0.600 0.750 0.900 1.050 1.250 1.250
Laurentian Bank Canada Not compounded Semi-annually no 500 0.600 0.750 0.900 1.050 1.250 1.250
Laurentian Bank Canada Not compounded At maturity yes 500 0.600 - - - - -
Canada Life Annually At maturity yes 75,000 0.650 0.700 0.900 1.050 1.200 1.350
Great-West Life Not compounded Annually no 50,000 0.650 0.700 0.900 1.050 1.200 1.350
Great-West Life Annually At maturity no 50,000 0.650 0.700 0.900 1.050 1.200 1.350
Great-West Life Not compounded Annually yes 50,000 0.650 0.700 0.900 1.050 1.200 1.350
Great-West Life Annually At maturity yes 50,000 0.650 0.700 0.900 1.050 1.200 1.350
London Life Annually At maturity yes 50,000 0.650 0.700 0.900 1.050 1.200 -
Manulife Investments Annually At maturity no 2,500 0.650 0.700 0.950 1.050 1.200 1.300
National Bank Annually At maturity yes 500 0.650 0.800 0.900 1.050 1.200 -
Royal Bank of Canada Semi-annually At maturity yes 500 0.650 0.850 0.900 0.950 1.200 -
Equitable Life Annually At maturity yes 25,000 0.700 1.250 1.500 1.750 1.850 -
Equitable Life Annually At maturity yes 500 0.700 1.250 1.500 1.750 1.850 -
Equitable Life Annually At maturity yes 50,000 0.700 1.250 1.500 1.750 1.850 -
Empire Life Annually At maturity yes 50,000 0.725 0.875 0.925 1.125 1.725 1.225
Sun Life - Insurance Not compounded Annually yes 1,000 0.800 0.800 0.850 1.700 1.700 -
Sun Life - Insurance Annually At maturity yes 1,000 0.800 0.800 0.850 1.700 1.700 -
Sun Life - Trust Not compounded Annually yes 1,000 0.800 0.800 0.850 1.400 1.700 -
Sun Life - Trust Annually At maturity yes 1,000 0.800 0.800 0.850 1.400 1.700 -
BMO Bank of Montreal Not compounded Monthly no 5,000 0.850 1.050 1.150 1.250 1.500 1.500
BMO Bank of Montreal Not compounded Annually no 5,000 0.850 1.050 1.150 1.250 1.500 1.500
Bank of Nova Scotia Annually At maturity no 500 0.850 1.000 1.050 1.100 1.250 -
Bk Nova Scotia Mtg. Corp Annually At maturity no 500 0.850 1.000 1.050 1.100 1.250 -
Caisses Desjardins Not compounded Annually no 1,000 0.850 1.100 1.150 1.300 1.500 -
Empire Life Annually At maturity yes 100,000 0.850 1.000 1.050 1.250 1.850 1.350
Fiducie Desjardins Not compounded Annually no 1,000 0.850 1.100 1.150 1.300 1.500 -
HSBC Bank Canada Annually At maturity no 500 0.850 0.900 0.950 1.050 1.250 -
HSBC Bank Canada Annually At maturity no 50,000 0.850 0.900 0.950 1.050 1.250 -
Laurentian Bank Canada Not compounded At maturity no 500 0.850 - - - - -
TD Canada Trust Not compounded Annually no 500 0.850 0.900 1.000 1.050 1.500 -
TD Canada Trust Annually At maturity no 500 0.850 0.900 1.000 1.050 1.500 -
WFCU Credit Union Annually At maturity no 500 0.850 0.950 1.050 1.150 1.400 -
First Calgary Financial Annually At maturity no 500 0.900 1.100 1.150 1.300 2.000 -
National Bank Annually At maturity no 500 0.900 1.100 1.200 1.350 1.500 -
Royal Bank of Canada Annually At maturity no 500 0.900 1.100 1.150 1.200 1.450 -
Royal Bank of Canada Not compounded Annually no 500 0.900 1.100 1.150 1.200 1.450 -
DUCA Financial Services Annually At maturity no 500 1.000 1.200 1.450 1.550 1.750 1.750
PACE Savings & Credit Un Annually At maturity no 1,000 1.000 1.200 1.400 1.500 1.600 -
Peace Hills Trust Annually At maturity no 1,000 1.000 1.400 1.600 1.700 1.850 -
Peace Hills Trust Not compounded Annually no 1,000 1.000 1.400 1.600 1.700 1.850 -
Rapport Credit Union Annually At maturity no 5,000 1.000 1.100 1.150 1.200 1.700 -
Rapport Credit Union Annually At maturity no 1,000 1.000 1.100 1.150 1.200 1.700 -
Rapport Credit Union Annually At maturity no 10,000 1.000 1.350 1.400 1.450 1.900 -
Alterna Savings Annually Annually no 500 1.150 1.200 1.200 1.350 1.600 -
Industrial Alliance Not compounded Annually yes 1,000 1.150 1.500 1.600 1.600 1.500 -
Industrial Alliance Annually At maturity yes 1,000 1.150 1.500 1.600 1.600 1.500 -
Libro Credit Union Not compounded Annually no 500 1.150 1.500 1.650 1.800 1.900 -
Manulife Bank Annually At maturity no 2,500 1.150 1.450 1.650 1.850 2.000 -
ATB Financial Semi-annually At maturity no 500 1.180 1.400 1.500 1.560 1.700 -
Coast Capital Savings Annually At maturity no 1,000 1.200 1.300 1.500 1.600 1.850 -
Sun Life - Trust Not compounded Annually no 1,000 1.200 1.350 1.400 1.750 2.050 -
Sun Life - Trust Annually At maturity no 1,000 1.200 1.350 1.400 1.750 2.050 -
Tangerine Annually At maturity no 1 1.200 1.300 1.400 1.500 1.750 -
Zag Bank Not compounded Annually no 250 1.200 1.300 1.500 1.600 1.800 -
MCAN Mortgage Corp. Annually At maturity no 5,000 1.250 1.450 1.550 1.800 1.850 -
MCAN Mortgage Corp. Not compounded Annually no 5,000 1.250 1.450 1.550 1.800 1.850 -
Meridian Credit Union Annually At maturity no 500 1.250 1.350 1.550 1.750 2.000 -
President's Choice Fin'l Annually At maturity no 100 1.250 1.300 1.400 1.500 1.750 -
President's Choice Fin'l Not compounded Annually no 100 1.250 1.300 1.400 1.500 1.750 -
Rapport Credit Union Annually At maturity no 40,000 1.250 1.350 1.400 1.450 2.100 -
Rapport Credit Union Annually At maturity no 20,000 1.250 1.350 1.400 1.450 1.900 -
B2B Bank Annually At maturity no 1,000 1.300 1.460 1.650 1.800 2.010 -
Canadian Western Trust Annually At maturity no 5,000 1.300 1.450 1.650 1.850 1.950 -
Industrial Alliance Not compounded Annually yes 25,000 1.300 1.650 1.750 1.750 1.650 -
Industrial Alliance Annually At maturity yes 25,000 1.300 1.650 1.750 1.750 1.650 -
Kindred Credit Union Annually At maturity no 500 1.300 1.500 1.700 1.850 2.000 -
Kindred Credit Union Annually At maturity no 25,000 1.300 1.500 1.800 1.950 2.000 -
Kindred Credit Union Annually At maturity no 100,000 1.300 1.700 2.000 2.100 2.150 -
Kindred Credit Union Annually At maturity no 50,000 1.300 1.600 1.900 2.000 2.050 -
State Bank of India (C) Annually Annually no 1,000 1.300 1.400 1.600 1.800 2.000 -
ICICI Bank Canada Annually At maturity yes 1,000 1.350 1.550 1.650 1.850 2.050 -
Industrial Alliance Not compounded Annually yes 100,000 1.350 1.700 1.800 1.800 1.700 -
Industrial Alliance Annually At maturity yes 100,000 1.350 1.700 1.800 1.800 1.700 -
Kindred Credit Union Annually At maturity no 250,000 1.350 1.750 2.050 2.150 2.200 -
MCAN Mortgage Corp. Not compounded Annually no 100,000 1.350 1.550 1.650 1.900 1.950 -
MCAN Mortgage Corp. Annually At maturity no 100,000 1.350 1.550 1.650 1.900 1.950 -
MCAN Mortgage Corp. Annually At maturity no 25,000 1.350 1.550 1.650 1.900 1.950 -
MCAN Mortgage Corp. Not compounded Annually no 25,000 1.350 1.550 1.650 1.900 1.950 -
VersaBank (Pac&WestBank) Annually At maturity no 1,000 1.360 1.510 1.710 1.870 1.960 -
Canadian Western Bank Annually At maturity no 500 1.400 1.600 1.750 1.910 2.060 -
Industrial Alliance Not compounded Annually yes 200,000 1.400 1.750 1.850 1.850 1.750 -
Industrial Alliance Annually At maturity yes 200,000 1.400 1.750 1.850 1.850 1.750 -
Rapport Credit Union Annually At maturity no 60,000 1.400 1.500 1.550 1.600 2.250 -
Rapport Credit Union Annually At maturity no 100,000 1.400 1.500 1.550 1.600 2.250 -
ATB Financial Annually At maturity no 500 1.430 1.650 1.750 1.810 1.950 -
Home Bank - Agent Annually At maturity no 1,000 1.470 1.660 1.780 1.910 2.010 -
Home Trust Company-Agent Annually At maturity no 1,000 1.470 1.660 1.780 1.910 2.010 -
Alterna Bank Annually Annually no 500 1.500 1.850 1.700 1.800 1.900 -
Alterna Savings Not compounded Annually yes 500 1.500 - - - - -
Community Trust Annually At maturity no 1,000 1.520 1.710 1.780 1.910 2.010 -
Effort Trust Annually At maturity no 1,000 1.550 1.800 1.950 2.000 2.050 -
Canadian Direct Fin'l Annually At maturity no 500 1.600 1.800 1.950 2.110 2.260 -
Parama Credit Union Annually At maturity no 1,000 1.600 1.750 1.900 2.050 2.200 -
FirstOntario Credit Un. Annually At maturity no 500 1.700 1.700 1.800 2.000 2.100 -
Outlook Financial Not compounded Monthly yes 1,000 1.700 1.800 1.900 2.050 2.200 -
Community Trust Annually At maturity no 50,000 1.720 1.910 1.980 2.110 2.210 -
Comtech Credit Union Annually At maturity no 100,000 1.750 1.650 1.750 2.150 2.250 -
Comtech Credit Union Annually At maturity no 1,000 1.750 1.650 1.750 2.150 2.250 -
Comtech Credit Union Annually At maturity no 50,000 1.750 1.650 1.750 2.150 2.250 -
Comtech Credit Union Annually At maturity no 200,000 1.750 1.650 1.750 2.150 2.250 -
Entegra Credit Union Not compounded Annually no 1,000 1.750 1.850 1.950 2.100 2.250 -
Entegra Credit Union Annually At maturity no 1,000 1.750 1.850 1.950 2.100 2.250 -
Oaken Financial Annually At maturity no 1,000 1.750 1.950 2.050 2.150 2.250 -
Steinbach Credit Union Annually At maturity no 500 1.750 1.850 1.950 2.100 2.250 -
Your Neighbourhood C.U. Not compounded Annually no 500 1.750 1.500 2.150 1.650 1.700 -
Your Neighbourhood C.U. Annually At maturity no 500 1.750 1.500 2.150 1.650 1.700 -
Your Neighbourhood C.U. Not compounded Annually no 20,000 1.800 1.550 2.200 1.700 1.750 -
Your Neighbourhood C.U. Annually At maturity no 20,000 1.800 1.550 2.200 1.700 1.750 -
AcceleRate Financial Annually At maturity no 500 1.850 2.000 2.000 2.250 2.300 2.350
Achieva Financial Annually At maturity no 1,000 1.850 1.950 2.050 2.200 2.350 -
MAXA Financial Not compounded Annually no 500 1.850 1.950 2.050 2.200 2.350 -
Outlook Financial Annually At maturity yes 1,000 1.850 1.950 2.050 2.200 2.350 -
Outlook Financial Not compounded Annually yes 1,000 1.850 1.950 2.050 2.200 2.350 -
Your Neighbourhood C.U. Not compounded Annually no 100,000 1.850 1.600 2.250 1.750 1.800 -
Your Neighbourhood C.U. Annually At maturity no 100,000 1.850 1.600 2.250 1.750 1.800 -
Peoples Trust Annually At maturity no 1,000 1.950 2.050 2.100 2.150 2.250 -
Hubert Financial Annually At maturity yes 1,000 2.050 - - - - -
Hubert Financial Annually At maturity no 1,000 - 2.000 2.050 2.150 2.400 -
Laurentian Bank Canada Not compounded Annually no 500 - 1.000 1.150 1.300 1.500 1.500
Laurentian Bank Canada Annually Annually yes 500 - 0.750 0.900 1.050 1.250 -
Laurentian Bank Canada Annually Annually no 500 - 1.000 1.150 1.300 1.500 1.500
Laurentian Bank Canada Not compounded Annually yes 500 - 0.750 0.900 1.050 1.250 -

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 January 20, 2017

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

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