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 yes 500 0.250 0.350 0.450 0.750 0.950 1.150
Great-West Life Not compounded Monthly no 500 0.250 0.350 0.450 0.750 0.950 1.150
Great-West Life Not compounded Monthly yes 25,000 0.375 0.475 0.575 0.875 1.075 1.275
Great-West Life Not compounded Monthly no 25,000 0.375 0.475 0.575 0.875 1.075 1.275
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 -
Great-West Life Not compounded Monthly no 50,000 0.500 0.600 0.700 1.000 1.200 1.400
Great-West Life Not compounded Monthly yes 50,000 0.500 0.600 0.700 1.000 1.200 1.400
Laurentienne Trust Not compounded Quarterly no 500 0.500 0.730 0.880 1.030 1.380 -
ATB Financial Annually At maturity yes 500 0.850 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 -
Laurentian Bank Canada Not compounded Annually yes 500 0.600 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 -
National Bank Annually At maturity yes 500 0.650 0.850 0.950 1.200 1.450 -
Canada Life Annually At maturity yes 1,000 0.750 0.850 0.950 1.250 1.450 1.650
Great-West Life Annually At maturity yes 500 0.750 0.850 0.950 1.250 1.450 1.650
Great-West Life Not compounded Annually no 500 0.750 0.850 0.950 1.250 1.450 1.650
Great-West Life Annually At maturity no 500 0.750 0.850 0.950 1.250 1.450 1.650
Great-West Life Not compounded Annually yes 500 0.750 0.850 0.950 1.250 1.450 1.650
London Life Annually At maturity yes 1,000 0.750 0.850 0.950 1.250 1.450 -
Manulife Investments Annually At maturity yes 2,500 0.700 1.100 1.150 1.300 1.400 1.450
BMO Bank of Montreal Annually At maturity yes 500 0.750 0.900 1.100 1.350 1.700 -
Canada Life Annually At maturity yes 25,000 0.875 0.975 1.075 1.375 1.575 1.775
Great-West Life Annually At maturity yes 25,000 0.875 0.975 1.075 1.375 1.575 1.775
Great-West Life Not compounded Annually no 25,000 0.875 0.975 1.075 1.375 1.575 1.775
Great-West Life Annually At maturity no 25,000 0.875 0.975 1.075 1.375 1.575 1.775
Great-West Life Not compounded Annually yes 25,000 0.875 0.975 1.075 1.375 1.575 1.775
Bank of Nova Scotia Annually At maturity no 500 0.900 1.100 1.250 1.400 1.750 -
Bk Nova Scotia Mtg. Corp Annually At maturity no 500 0.900 1.100 1.250 1.400 1.750 -
CIBC Annually At maturity no 500 0.900 1.100 1.250 1.400 1.750 -
Industrial Alliance Annually At maturity yes 1,000 0.850 1.000 1.150 1.400 1.700 -
Industrial Alliance Not compounded Annually yes 1,000 0.850 1.000 1.150 1.400 1.700 -
Laurentian Bank Canada Annually At maturity no 500 0.850 1.100 1.250 1.400 1.750 -
Laurentian Bank Canada Not compounded Annually no 500 0.850 1.100 1.250 1.400 1.750 -
Laurentienne Trust Annually At maturity no 500 - 1.100 1.250 1.400 1.750 -
Laurentienne Trust Not compounded Annually no 500 0.850 1.100 1.250 1.400 1.750 -
Windsor Family C.U. Annually At maturity no 500 0.900 1.100 1.250 1.400 1.750 -
Caisses Desjardins Not compounded Monthly no 500 0.850 1.100 1.200 1.450 1.700 -
Caisses Desjardins Not compounded Semi-annually no 500 0.850 1.100 1.200 1.450 1.700 -
Standard Life Annually At maturity yes 500,000 1.125 1.275 1.400 1.475 1.550 1.625
Standard Life Annually At maturity yes 250,000 1.125 1.275 1.400 1.475 1.550 1.625
Standard Life Annually At maturity yes 100,000 1.125 1.275 1.400 1.475 1.550 1.625
Standard Life Annually At maturity yes 50,000 1.125 1.275 1.400 1.475 1.550 1.625
Standard Life Annually At maturity yes 25,000 1.125 1.275 1.400 1.475 1.550 1.625
Standard Life Annually At maturity yes 1,000 1.125 1.275 1.400 1.475 1.550 1.625
ATB Financial Semi-annually At maturity no 500 1.050 1.400 1.450 1.500 1.750 -
Caisses Desjardins Annually At maturity no 500 0.900 1.150 1.250 1.500 1.750 -
Caisses Desjardins Not compounded Annually no 1,000 0.900 1.150 1.250 1.500 1.750 -
Canada Life Annually At maturity yes 75,000 1.000 1.100 1.200 1.500 1.700 1.900
Empire Life Annually At maturity yes 500 1.000 1.100 1.250 1.500 1.750 1.750
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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 October 30, 2014

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

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