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
Great-West Life Not compounded Monthly no 500 0.050 0.050 0.050 0.200 0.400 0.600
Great-West Life Not compounded Monthly yes 500 0.050 0.050 0.050 0.200 0.400 0.600
London Life Not compounded Monthly no 10,000 0.050 0.050 0.050 0.200 0.400 -
Great-West Life Not compounded Monthly no 25,000 0.175 0.175 0.175 0.325 0.525 0.725
Great-West Life Not compounded Monthly yes 25,000 0.175 0.175 0.175 0.325 0.525 0.725
Canada Life Not compounded Annually yes 1,000 0.300 0.300 0.300 0.450 0.650 0.850
Canada Life Not compounded Monthly yes 5,000 0.300 0.300 0.300 0.450 0.650 0.850
Great-West Life Not compounded Monthly no 50,000 0.300 0.300 0.300 0.450 0.650 0.850
Great-West Life Not compounded Monthly yes 50,000 0.300 0.300 0.300 0.450 0.650 0.850
London Life Not compounded Semi-annually no 10,000 0.300 0.300 0.300 0.450 0.650 -
London Life Not compounded Monthly no 50,000 0.300 0.300 0.300 0.450 0.650 -
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 1,000 0.050 0.150 0.350 0.550 0.750 0.750
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
Laurentian Bank Canada Not compounded Monthly yes 500 0.300 0.250 0.400 0.550 0.750 -
Canada Life Not compounded Monthly yes 25,000 0.420 0.420 0.420 0.570 0.770 0.970
Canada Life Not compounded Annually yes 25,000 0.425 0.425 0.425 0.575 0.775 0.975
Empire Life Not compounded Monthly yes 5,000 0.350 0.350 0.375 0.625 0.875 1.000
Manulife Investments Not compounded Monthly yes 2,500 0.150 0.200 0.400 0.650 0.900 0.900
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 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
CIBC Not compounded Semi-annually yes 1,000 0.175 0.275 0.475 0.675 0.875 0.875
Canada Life Not compounded Monthly yes 75,000 0.550 0.550 0.550 0.700 0.900 1.090
Canada Life Annually At maturity yes 1,000 0.550 0.550 0.550 0.700 0.900 1.100
Canada Life Not compounded Annually yes 75,000 0.550 0.550 0.550 0.700 0.900 1.100
Great-West Life Not compounded Annually no 500 0.550 0.550 0.550 0.700 0.900 1.100
Great-West Life Annually At maturity no 500 0.550 0.550 0.550 0.700 0.900 1.100
Great-West Life Not compounded Annually yes 500 0.550 0.550 0.550 0.700 0.900 1.100
Great-West Life Annually At maturity yes 500 0.550 0.550 0.550 0.700 0.900 1.100
London Life Not compounded Semi-annually no 50,000 0.550 0.550 0.550 0.700 0.900 -
London Life Annually At maturity no 10,000 - - 0.550 0.700 0.900 -
London Life Annually At maturity yes 1,000 0.550 0.550 0.550 0.700 0.900 -
London Life Not compounded Annually no 10,000 0.550 0.550 0.550 0.700 0.900 -
HSBC Bank Canada Not compounded Monthly yes 5,000 0.325 0.425 0.525 0.725 0.925 -
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 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 -
Empire Life Not compounded Monthly yes 50,000 0.475 0.475 0.500 0.750 1.000 1.125
Manulife Investments Not compounded Quarterly yes 2,500 0.250 0.300 0.500 0.750 1.000 1.000
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 July 29, 2015

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.