Savings Rates | GIC/GIA: 1 to 6 years (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 0.100 0.200 0.350 0.700
Great-West Life Not compounded Monthly yes 500 0.050 0.050 0.100 0.200 0.350 0.700
Great-West Life Not compounded Monthly no 25,000 0.175 0.175 0.225 0.325 0.475 0.825
Great-West Life Not compounded Monthly yes 25,000 0.175 0.175 0.225 0.325 0.475 0.825
Great-West Life Not compounded Monthly no 50,000 0.300 0.300 0.350 0.450 0.600 0.950
Great-West Life Not compounded Monthly yes 50,000 0.300 0.300 0.350 0.450 0.600 0.950
Canada Life Annually At maturity yes 1,000 0.550 0.550 0.600 0.700 0.850 1.200
Great-West Life Not compounded Annually no 500 0.550 0.550 0.600 0.700 0.850 1.200
Great-West Life Annually At maturity no 500 0.550 0.550 0.600 0.700 0.850 1.200
Great-West Life Not compounded Annually yes 500 0.550 0.550 0.600 0.700 0.850 1.200
Great-West Life Annually At maturity yes 500 0.550 0.550 0.600 0.700 0.850 1.200
London Life Annually At maturity yes 1,000 0.550 0.550 0.600 0.700 0.850 -
Canada Life Annually At maturity yes 25,000 0.675 0.675 0.725 0.825 0.975 1.325
Great-West Life Annually At maturity no 25,000 0.675 0.675 0.725 0.825 0.975 1.325
Great-West Life Not compounded Annually yes 25,000 0.675 0.675 0.725 0.825 0.975 1.325
Great-West Life Annually At maturity yes 25,000 0.675 0.675 0.725 0.825 0.975 1.325
Great-West Life Not compounded Annually no 25,000 0.675 0.675 0.725 0.825 0.975 1.325
ATB Financial Semi-annually At maturity yes 500 0.600 0.600 0.750 0.900 1.250 -
Laurentienne Trust Not compounded Monthly no 500 0.500 0.600 0.750 0.900 1.250 -
Canada Life Annually At maturity yes 75,000 0.800 0.800 0.850 0.950 1.100 1.450
Great-West Life Annually At maturity yes 50,000 0.800 0.800 0.850 0.950 1.100 1.450
Great-West Life Not compounded Annually no 50,000 0.800 0.800 0.850 0.950 1.100 1.450
Great-West Life Annually At maturity no 50,000 0.800 0.800 0.850 0.950 1.100 1.450
Great-West Life Not compounded Annually yes 50,000 0.800 0.800 0.850 0.950 1.100 1.450
London Life Annually At maturity yes 50,000 0.800 0.800 0.850 0.950 1.100 -
Manulife Investments Annually At maturity yes 2,500 0.600 0.800 0.850 0.950 1.100 1.150
Standard Life Annually At maturity yes 25,000 0.775 0.825 0.850 0.975 1.100 1.225
Standard Life Annually At maturity yes 250,000 0.775 0.825 0.850 0.975 1.100 1.225
Standard Life Annually At maturity yes 100,000 0.775 0.825 0.850 0.975 1.100 1.225
Standard Life Annually At maturity yes 50,000 0.775 0.825 0.850 0.975 1.100 1.225
Standard Life Annually At maturity yes 1,000 0.775 0.825 0.850 0.975 1.100 1.225
Standard Life Annually At maturity yes 500,000 0.775 0.825 0.850 0.975 1.100 1.225
Empire Life Annually At maturity yes 500 0.750 0.750 0.875 1.000 1.125 1.250
National Bank Annually At maturity yes 500 0.400 0.650 0.800 1.000 1.150 -
Laurentienne Trust Not compounded Quarterly no 500 0.500 0.730 0.880 1.030 1.380 -
Royal Bank of Canada Semi-annually At maturity yes 500 0.750 0.950 1.050 1.050 1.400 -
Sun Life - Insurance Not compounded Annually yes 1,000 0.750 0.800 0.850 1.050 1.400 -
Sun Life - Insurance Annually At maturity yes 1,000 0.750 0.800 0.850 1.050 1.400 -
Sun Life - Trust Not compounded Annually yes 1,000 0.750 0.800 0.850 1.050 1.400 -
Sun Life - Trust Annually At maturity yes 1,000 0.750 0.800 0.850 1.050 1.400 -
Empire Life Annually At maturity yes 50,000 0.875 0.875 1.000 1.125 1.250 1.375
ATB Financial Annually At maturity yes 500 0.850 0.850 1.000 1.150 1.500 -
CIBC Annually At maturity no 500 0.650 0.850 0.950 1.150 1.500 -
Laurentian Bank Canada Not compounded Annually yes 500 0.600 0.850 1.000 1.150 1.500 -
Laurentian Bank Canada Annually At maturity yes 500 0.650 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 -
Manulife Investments Annually At maturity no 2,500 0.850 1.050 1.100 1.200 1.350 1.400
Empire Life Annually At maturity yes 100,000 1.000 1.000 1.125 1.250 1.375 1.500
HSBC Bank Canada Annually At maturity no 500 0.950 1.000 1.100 1.300 1.650 -
HSBC Bank Canada Annually At maturity no 50,000 0.950 1.000 1.100 1.300 1.650 -
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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 January 26, 2015

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

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