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 0.050 0.200 0.400 0.600
Great-West Life Not compounded Monthly yes 500 0.050 0.050 0.050 0.200 0.400 0.600
Great-West Life Not compounded Monthly yes 25,000 0.175 0.175 0.175 0.325 0.525 0.725
Great-West Life Not compounded Monthly no 25,000 0.175 0.175 0.175 0.325 0.525 0.725
Great-West Life Not compounded Monthly no 50,000 0.300 0.300 0.300 0.450 0.650 0.850
Great-West Life Not compounded Monthly yes 50,000 0.300 0.300 0.300 0.450 0.650 0.850
Canada Life Annually At maturity yes 1,000 0.550 0.550 0.550 0.700 0.900 1.100
Great-West Life Annually At maturity no 500 0.550 0.550 0.550 0.700 0.900 1.100
Great-West Life Not compounded Annually yes 500 0.550 0.550 0.550 0.700 0.900 1.100
Great-West Life Annually At maturity yes 500 0.550 0.550 0.550 0.700 0.900 1.100
Great-West Life Not compounded Annually no 500 0.550 0.550 0.550 0.700 0.900 1.100
London Life Annually At maturity yes 1,000 0.550 0.550 0.550 0.700 0.900 -
Canada Life Annually At maturity yes 25,000 0.675 0.675 0.675 0.825 1.025 1.225
Great-West Life Annually At maturity no 25,000 0.675 0.675 0.675 0.825 1.025 1.225
Great-West Life Not compounded Annually yes 25,000 0.675 0.675 0.675 0.825 1.025 1.225
Great-West Life Annually At maturity yes 25,000 0.675 0.675 0.675 0.825 1.025 1.225
Great-West Life Not compounded Annually no 25,000 0.675 0.675 0.675 0.825 1.025 1.225
Empire Life Annually At maturity yes 500 0.600 0.600 0.625 0.875 1.125 1.250
ATB Financial Semi-annually At maturity yes 500 0.550 0.600 0.750 0.900 1.250 -
Manulife Investments Annually At maturity yes 2,500 0.400 0.450 0.650 0.900 1.150 1.150
Canada Life Annually At maturity yes 75,000 0.800 0.800 0.800 0.950 1.150 1.350
Great-West Life Not compounded Annually no 50,000 0.800 0.800 0.800 0.950 1.150 1.350
Great-West Life Annually At maturity no 50,000 0.800 0.800 0.800 0.950 1.150 1.350
Great-West Life Not compounded Annually yes 50,000 0.800 0.800 0.800 0.950 1.150 1.350
Great-West Life Annually At maturity yes 50,000 0.800 0.800 0.800 0.950 1.150 1.350
London Life Annually At maturity yes 50,000 0.800 0.800 0.800 0.950 1.150 -
Royal Bank of Canada Semi-annually At maturity yes 500 0.600 0.750 0.800 0.950 1.250 -
BMO Bank of Montreal Annually At maturity yes 1,000 0.600 0.800 0.900 1.000 1.250 -
Empire Life Annually At maturity yes 50,000 0.725 0.725 0.750 1.000 1.250 1.375
National Bank Annually At maturity yes 500 0.600 0.800 0.850 1.000 1.200 -
ATB Financial Semi-annually At maturity no 500 1.000 1.150 0.900 1.050 1.250 -
CIBC Annually At maturity no 500 0.550 0.650 0.850 1.050 1.250 -
Laurentian Bank Canada Not compounded Annually yes 500 0.650 0.750 0.900 1.050 1.250 -
Laurentian Bank Canada Annually At maturity yes 500 0.650 0.750 0.900 1.050 1.250 -
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 -
Equitable Life Annually At maturity yes 25,000 0.900 0.950 0.950 1.100 1.300 -
Equitable Life Annually At maturity yes 500 0.900 0.950 0.950 1.100 1.300 -
Equitable Life Annually At maturity yes 50,000 0.900 0.950 0.950 1.100 1.300 -
Empire Life Annually At maturity yes 100,000 0.850 0.850 0.875 1.125 1.375 1.500
ATB Financial Annually At maturity yes 500 0.650 0.850 1.000 1.150 1.500 -
Caisses Desjardins Not compounded Semi-annually no 500 0.800 0.950 1.000 1.150 1.450 -
Caisses Desjardins Not compounded Monthly no 500 0.800 0.950 1.000 1.150 1.450 -
Manulife Investments Annually At maturity no 2,500 0.650 0.700 0.900 1.150 1.400 1.400
Caisses Desjardins Not compounded Annually no 1,000 0.850 1.000 1.050 1.200 1.500 -
Caisses Desjardins Annually At maturity no 500 0.850 1.000 1.050 1.200 1.500 -
Fiducie Desjardins Not compounded Annually no 1,000 0.850 1.000 1.050 1.200 1.500 -
Fiducie Desjardins Annually At maturity no 1,000 - 1.000 1.050 1.200 1.500 -
HSBC Bank Canada Annually At maturity no 50,000 0.850 0.900 1.050 1.200 1.450 -
HSBC Bank Canada Annually At maturity no 500 0.850 0.900 1.050 1.200 1.450 -
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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 July 31, 2015

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

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