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

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Sorted by: 4 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 Not compounded Annually yes 100,000 0.350 0.350 0.350 0.350 0.350 -
ATB Financial Not compounded Annually yes 500 0.350 0.350 0.350 0.350 0.350 -
Canada Life Not compounded Annually yes 1,000 0.050 0.050 0.150 0.500 0.650 0.800
Canada Life Not compounded Monthly yes 5,000 0.050 0.050 0.150 0.500 0.650 0.800
TD Canada Trust Not compounded Semi-annually yes 1,000 0.200 0.300 0.500 0.500 0.550 -
CIBC Not compounded Monthly yes 5,000 0.050 0.150 0.350 0.550 0.750 0.750
CIBC Not compounded Monthly yes 100,000 0.050 0.150 0.350 0.550 0.750 0.750
CIBC Not compounded Monthly yes 250,000 0.050 0.150 0.350 0.550 0.750 0.750
CIBC Not compounded Monthly yes 1,000 0.050 0.150 0.350 0.550 0.750 0.750
Laurentian Bank Canada Not compounded Monthly yes 500 0.250 0.250 0.400 0.550 0.750 -
HSBC Bank Canada Not compounded Monthly yes 5,000 0.325 0.425 0.425 0.575 0.725 -
Manulife Investments Not compounded Monthly yes 2,500 0.150 0.200 0.450 0.600 0.750 0.850
Canada Life Not compounded Monthly yes 25,000 0.170 0.170 0.270 0.620 0.770 0.920
Canada Life Not compounded Annually yes 25,000 0.175 0.175 0.275 0.625 0.775 0.925
Empire Life Not compounded Monthly yes 5,000 0.400 0.400 0.500 0.650 1.200 1.150
Great-West Life Not compounded Monthly no 500 0.050 0.100 0.300 0.650 0.800 0.950
Great-West Life Not compounded Monthly yes 500 0.050 0.100 0.300 0.650 0.800 0.950
London Life Not compounded Monthly no 10,000 0.050 0.100 0.300 0.650 0.800 -
CIBC Not compounded Semi-annually yes 5,000 0.175 0.275 0.475 0.675 0.875 0.875
CIBC Not compounded Semi-annually yes 1,000 0.175 0.275 0.475 0.675 0.875 0.875
CIBC Not compounded Semi-annually yes 100,000 0.175 0.275 0.475 0.675 0.875 0.875
CIBC Not compounded Semi-annually yes 250,000 0.175 0.275 0.475 0.675 0.875 0.875
CIBC Not compounded Quarterly yes 1,000 0.175 0.275 0.475 0.675 0.875 0.875
CIBC Not compounded Quarterly yes 5,000 0.175 0.275 0.475 0.675 0.875 0.875
CIBC Not compounded Quarterly yes 100,000 0.175 0.275 0.475 0.675 0.875 0.875
CIBC Not compounded Quarterly yes 250,000 0.175 0.275 0.475 0.675 0.875 0.875
HSBC Bank Canada Not compounded Annually yes 1,000 0.450 0.550 0.550 0.700 0.850 -
London Life Not compounded Semi-annually no 10,000 0.100 0.150 0.350 0.700 0.850 -
Manulife Investments Not compounded Quarterly yes 2,500 0.250 0.300 0.550 0.700 0.850 0.950
Bank of Nova Scotia Not compounded Monthly yes 100,000 0.050 0.500 0.600 0.750 1.150 -
Bank of Nova Scotia Not compounded Monthly yes 5,000 0.000 0.500 0.600 0.750 1.150 -
Bk Nova Scotia Mtg. Corp Not compounded Monthly yes 100,000 0.050 0.500 0.600 0.750 1.150 -
Bk Nova Scotia Mtg. Corp Not compounded Monthly yes 5,000 0.000 0.500 0.600 0.750 1.150 -
Canada Life Not compounded Annually yes 75,000 0.300 0.300 0.400 0.750 0.900 1.050
Canada Life Not compounded Monthly yes 75,000 0.300 0.300 0.400 0.750 0.900 1.040
Canada Life Annually At maturity yes 1,000 0.150 0.200 0.400 0.750 0.900 1.050
Great-West Life Annually At maturity no 500 0.150 0.200 0.400 0.750 0.900 1.050
Great-West Life Not compounded Annually yes 500 0.150 0.200 0.400 0.750 0.900 1.050
Great-West Life Annually At maturity yes 500 0.150 0.200 0.400 0.750 0.900 1.050
Great-West Life Not compounded Annually no 500 0.150 0.200 0.400 0.750 0.900 1.050
London Life Annually At maturity no 10,000 - - 0.400 0.750 0.900 -
London Life Not compounded Annually no 10,000 0.150 0.200 0.400 0.750 0.900 -
London Life Annually At maturity yes 1,000 0.150 0.200 0.400 0.750 0.900 -
Manulife Investments Not compounded Semi-annually yes 2,500 0.300 0.350 0.600 0.750 0.900 1.000
Empire Life Not compounded Monthly yes 50,000 0.525 0.525 0.625 0.775 1.325 1.275
Great-West Life Not compounded Monthly no 25,000 0.175 0.225 0.425 0.775 0.925 1.075
Great-West Life Not compounded Monthly yes 25,000 0.175 0.225 0.425 0.775 0.925 1.075
CIBC Not compounded Annually yes 1,000 0.300 0.400 0.600 0.800 1.000 1.000
CIBC Not compounded Annually yes 5,000 0.300 0.400 0.600 0.800 1.000 1.000
CIBC Not compounded Annually yes 100,000 0.300 0.400 0.600 0.800 1.000 1.000
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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 June 25, 2016

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

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