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 0.050 0.050 0.050 0.350 0.550 0.750
Great-West Life Not compounded Monthly no 500 0.050 0.050 0.050 0.350 0.550 0.750
Great-West Life Not compounded Monthly yes 25,000 0.175 0.175 0.175 0.475 0.675 0.875
Great-West Life Not compounded Monthly no 25,000 0.175 0.175 0.175 0.475 0.675 0.875
Great-West Life Not compounded Monthly no 50,000 0.300 0.300 0.300 0.600 0.800 1.000
Great-West Life Not compounded Monthly yes 50,000 0.300 0.300 0.300 0.600 0.800 1.000
Canada Life Annually At maturity yes 1,000 0.550 0.550 0.550 0.850 1.050 1.250
Great-West Life Annually At maturity no 500 0.550 0.550 0.550 0.850 1.050 1.250
Great-West Life Not compounded Annually yes 500 0.550 0.550 0.550 0.850 1.050 1.250
Great-West Life Annually At maturity yes 500 0.550 0.550 0.550 0.850 1.050 1.250
Great-West Life Not compounded Annually no 500 0.550 0.550 0.550 0.850 1.050 1.250
London Life Annually At maturity yes 1,000 0.550 0.550 0.550 0.850 1.050 -
ATB Financial Semi-annually At maturity yes 500 0.600 0.600 0.750 0.900 1.250 -
Laurentian Bank Canada Not compounded Annually yes 500 0.500 0.600 0.750 0.900 1.250 -
Laurentian Bank Canada Annually At maturity yes 500 0.500 0.600 0.750 0.900 1.250 -
Canada Life Annually At maturity yes 25,000 0.675 0.675 0.675 0.975 1.175 1.375
Great-West Life Annually At maturity no 25,000 0.675 0.675 0.675 0.975 1.175 1.375
Great-West Life Not compounded Annually yes 25,000 0.675 0.675 0.675 0.975 1.175 1.375
Great-West Life Annually At maturity yes 25,000 0.675 0.675 0.675 0.975 1.175 1.375
Great-West Life Not compounded Annually no 25,000 0.675 0.675 0.675 0.975 1.175 1.375
BMO Bank of Montreal Annually At maturity yes 1,000 0.750 0.800 0.900 1.000 1.250 -
Empire Life Annually At maturity yes 500 0.750 0.750 0.875 1.000 1.250 1.375
Manulife Investments Annually At maturity yes 2,500 0.450 0.600 0.800 1.000 1.250 1.250
National Bank Annually At maturity yes 500 1.010 0.800 0.850 1.000 1.200 -
Standard Life Annually At maturity yes 25,000 0.450 0.600 0.800 1.000 1.250 1.250
Standard Life Annually At maturity yes 250,000 0.450 0.600 0.800 1.000 1.250 1.250
Standard Life Annually At maturity yes 100,000 0.450 0.600 0.800 1.000 1.250 1.250
Standard Life Annually At maturity yes 50,000 0.450 0.600 0.800 1.000 1.250 1.250
Standard Life Annually At maturity yes 1,000 0.450 0.600 0.800 1.000 1.250 1.250
Standard Life Annually At maturity yes 500,000 0.450 0.600 0.800 1.000 1.250 1.250
ATB Financial Semi-annually At maturity no 500 1.150 1.350 0.900 1.050 1.250 -
Royal Bank of Canada Semi-annually At maturity yes 500 0.600 0.800 0.800 1.050 1.250 -
Canada Life Annually At maturity yes 75,000 0.800 0.800 0.800 1.100 1.300 1.500
Great-West Life Annually At maturity no 50,000 0.800 0.800 0.800 1.100 1.300 1.500
Great-West Life Not compounded Annually yes 50,000 0.800 0.800 0.800 1.100 1.300 1.500
Great-West Life Annually At maturity yes 50,000 0.800 0.800 0.800 1.100 1.300 1.500
Great-West Life Not compounded Annually no 50,000 0.800 0.800 0.800 1.100 1.300 1.500
London Life Annually At maturity yes 50,000 0.800 0.800 0.800 1.100 1.300 -
Empire Life Annually At maturity yes 50,000 0.875 0.875 1.000 1.125 1.375 1.500
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 0.750 0.950 1.150 1.400 -
Laurentian Bank Canada Not compounded Annually no 500 0.750 0.850 1.000 1.150 1.500 -
Laurentian Bank Canada Annually At maturity no 500 0.750 0.850 1.000 1.150 1.500 -
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 -
BMO Bank of Montreal Annually At maturity no 1,000 1.000 1.050 1.150 1.250 1.500 1.500
BMO Bank of Montreal Not compounded Annually no 1,000 1.000 1.050 1.150 1.250 1.500 1.500
Caisses Desjardins Not compounded Semi-annually no 500 0.950 1.000 1.100 1.250 1.450 -
Caisses Desjardins Not compounded Monthly no 500 0.950 1.000 1.100 1.250 1.450 -
Empire Life Annually At maturity yes 100,000 1.000 1.000 1.125 1.250 1.500 1.625
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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, 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.