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 500 0.350 0.350 0.350 0.350 0.350 -
ATB Financial Not compounded Annually yes 100,000 0.350 0.350 0.350 0.350 0.350 -
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 0.250 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 -
Canada Life Not compounded Monthly yes 5,000 0.250 0.250 0.250 0.600 0.850 1.000
Canada Life Not compounded Annually yes 1,000 0.250 0.250 0.250 0.600 0.850 1.000
Empire Life Not compounded Monthly yes 5,000 0.400 0.400 0.500 0.650 1.300 1.150
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
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
Concentra Financial Not compounded Monthly no 25,000 0.400 0.500 0.600 0.700 1.000 -
HSBC Bank Canada Not compounded Annually yes 1,000 0.450 0.550 0.550 0.700 0.850 -
Canada Life Not compounded Monthly yes 25,000 0.370 0.370 0.370 0.720 0.970 1.120
Canada Life Not compounded Annually yes 25,000 0.375 0.375 0.375 0.725 0.975 1.125
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 -
Great-West Life Not compounded Monthly no 500 0.150 0.250 0.350 0.750 1.000 1.150
Great-West Life Not compounded Monthly yes 500 0.150 0.250 0.350 0.750 1.000 1.150
London Life Not compounded Monthly no 10,000 0.150 0.250 0.350 0.750 1.000 -
Manulife Investments Not compounded Monthly yes 2,500 0.150 0.200 0.450 0.750 0.950 1.000
Empire Life Not compounded Monthly yes 50,000 0.525 0.525 0.625 0.775 1.425 1.275
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
CIBC Not compounded Annually yes 250,000 0.300 0.400 0.600 0.800 1.000 1.000
CIBC Trust Corp. Not compounded Monthly no 1,000 0.300 0.400 0.600 0.800 1.000 1.000
CIBC Trust Corp. Not compounded Monthly no 5,000 0.300 0.400 0.600 0.800 1.000 1.000
CIBC Trust Corp. Not compounded Monthly no 100,000 0.300 0.400 0.600 0.800 1.000 1.000
CIBC Trust Corp. Not compounded Monthly no 250,000 0.300 0.400 0.600 0.800 1.000 1.000
HSBC Bank Canada Not compounded Monthly no 100,000 0.600 0.650 0.700 0.800 1.000 -
HSBC Bank Canada Not compounded Monthly no 5,000 0.060 0.650 0.700 0.800 1.000 -
Laurentian Bank Canada Not compounded Semi-annually yes 500 0.250 0.500 0.650 0.800 1.000 -
Laurentian Bank Canada Not compounded Monthly no 500 0.500 0.500 0.650 0.800 1.000 1.000
London Life Not compounded Semi-annually no 10,000 0.200 0.300 0.400 0.800 1.050 -
Royal Bank of Canada Not compounded Monthly yes 5,000 0.525 0.725 0.775 0.825 1.225 -
Royal Bank of Canada Not compounded Monthly yes 100,000 0.525 0.725 0.775 0.825 1.225 -
Royal Bank of Canada Not compounded Monthly yes 250,000 0.525 0.725 0.775 0.825 1.225 -
Royal Bank of Canada Not compounded Monthly yes 1,000,000 0.525 0.725 0.775 0.825 1.225 -
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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 May 28, 2016

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

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