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
ATB Financial Semi-annually At maturity yes 500 0.100 0.100 0.100 0.100 0.100 -
ATB Financial Annually At maturity yes 500 0.350 0.350 0.350 0.350 0.350 -
Laurentian Bank Canada Not compounded Monthly yes 500 0.250 0.250 0.400 0.550 0.750 -
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
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
Canada Life Annually At maturity yes 1,000 0.250 0.350 0.450 0.850 1.100 1.250
Great-West Life Annually At maturity no 500 0.250 0.350 0.450 0.850 1.100 1.250
Great-West Life Not compounded Annually yes 500 0.250 0.350 0.450 0.850 1.100 1.250
Great-West Life Annually At maturity yes 500 0.250 0.350 0.450 0.850 1.100 1.250
Great-West Life Not compounded Annually no 500 0.250 0.350 0.450 0.850 1.100 1.250
London Life Annually At maturity yes 1,000 0.250 0.350 0.450 0.850 1.100 -
Great-West Life Not compounded Monthly no 25,000 0.275 0.375 0.475 0.875 1.125 1.275
Great-West Life Not compounded Monthly yes 25,000 0.275 0.375 0.475 0.875 1.125 1.275
Royal Bank of Canada Semi-annually At maturity yes 500 0.650 0.850 0.900 0.950 1.350 -
Canada Life Annually At maturity yes 25,000 0.375 0.475 0.575 0.975 1.225 1.375
Great-West Life Not compounded Annually no 25,000 0.375 0.475 0.575 0.975 1.225 1.375
Great-West Life Annually At maturity no 25,000 0.375 0.475 0.575 0.975 1.225 1.375
Great-West Life Not compounded Annually yes 25,000 0.375 0.475 0.575 0.975 1.225 1.375
Great-West Life Annually At maturity yes 25,000 0.375 0.475 0.575 0.975 1.225 1.375
BMO Bank of Montreal Annually At maturity yes 1,000 0.600 0.800 0.900 1.000 1.250 -
Great-West Life Not compounded Monthly no 50,000 0.400 0.500 0.600 1.000 1.250 1.400
Great-West Life Not compounded Monthly yes 50,000 0.400 0.500 0.600 1.000 1.250 1.400
CIBC Annually At maturity no 500 0.550 0.650 0.850 1.050 1.250 -
HSBC Bank Canada Annually At maturity no 500 0.850 0.900 0.950 1.050 1.250 -
HSBC Bank Canada Annually At maturity no 50,000 0.850 0.900 0.950 1.050 1.250 -
Laurentian Bank Canada Not compounded Quarterly no 500 0.600 0.750 0.900 1.050 1.250 1.250
Laurentian Bank Canada Not compounded Annually yes 500 - 0.750 0.900 1.050 1.250 -
Laurentian Bank Canada Not compounded Semi-annually no 500 0.600 0.750 0.900 1.050 1.250 1.250
Laurentian Bank Canada Annually Annually yes 500 - 0.750 0.900 1.050 1.250 -
National Bank Annually At maturity yes 500 0.650 0.800 0.900 1.050 1.200 -
TD Canada Trust Not compounded Annually no 500 0.850 0.900 1.000 1.050 1.500 -
TD Canada Trust Annually At maturity no 500 0.850 0.900 1.000 1.050 1.500 -
Canada Life Annually At maturity yes 75,000 0.500 0.600 0.700 1.100 1.350 1.500
Great-West Life Not compounded Annually no 50,000 0.500 0.600 0.700 1.100 1.350 1.500
Great-West Life Annually At maturity no 50,000 0.500 0.600 0.700 1.100 1.350 1.500
Great-West Life Not compounded Annually yes 50,000 0.500 0.600 0.700 1.100 1.350 1.500
Great-West Life Annually At maturity yes 50,000 0.500 0.600 0.700 1.100 1.350 1.500
London Life Annually At maturity yes 50,000 0.500 0.600 0.700 1.100 1.350 -
Manulife Investments Annually At maturity yes 2,500 0.400 0.550 0.800 1.100 1.350 1.250
ATB Financial Semi-annually At maturity no 500 0.850 1.000 1.050 1.150 1.350 -
WFCU Credit Union Annually At maturity no 500 0.850 0.950 1.050 1.150 1.400 -
Concentra Financial Annually At maturity no 1,000 0.900 1.000 1.100 1.200 1.500 -
Empire Life Annually At maturity yes 500 0.700 0.900 1.000 1.200 1.550 1.400
Rapport Credit Union Annually At maturity no 5,000 1.000 1.100 1.150 1.200 1.700 -
Rapport Credit Union Annually At maturity no 1,000 1.000 1.100 1.150 1.200 1.700 -
Royal Bank of Canada Annually At maturity no 500 0.900 1.100 1.150 1.200 1.600 -
Royal Bank of Canada Not compounded Annually no 500 0.900 1.100 1.150 1.200 1.600 -
BMO Bank of Montreal Not compounded Annually no 1,000 0.850 1.050 1.150 1.250 1.500 1.500
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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 April 29, 2016

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

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