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 -
National Bank Annually At maturity yes 500 0.650 0.800 0.850 0.900 1.150 -
BMO Bank of Montreal Annually At maturity yes 1,000 0.600 0.800 0.900 1.000 1.250 -
CIBC Annually At maturity no 500 0.550 0.650 0.850 1.050 1.250 -
Bank of Nova Scotia Annually At maturity no 500 0.850 1.000 1.050 1.100 1.250 -
Bk Nova Scotia Mtg. Corp Annually At maturity no 500 0.850 1.000 1.050 1.100 1.250 -
Rapport Credit Union Annually At maturity no 10,000 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 -
Rapport Credit Union Annually At maturity no 5,000 1.000 1.100 1.150 1.200 1.700 -
BMO Bank of Montreal Annually At maturity no 1,000 0.850 1.050 1.150 1.250 1.500 1.500
BMO Bank of Montreal Not compounded Annually no 1,000 0.850 1.050 1.150 1.250 1.500 1.500
Royal Bank of Canada Semi-annually At maturity yes 500 0.850 1.000 1.100 1.250 1.350 -
National Bank Annually At maturity no 500 0.900 1.100 1.150 1.300 1.600 -
Desjardins - Caisses Annually At maturity no 500 0.900 1.150 1.250 1.400 1.550 -
Desjardins - Fiducie Annually At maturity no 500 0.900 1.150 1.250 1.400 1.550 -
Laurentian Bank Canada Annually Annually no 500 - 1.300 1.400 1.450 1.500 1.500
Laurentian Bank Canada Not compounded Annually no 500 - 1.300 1.400 1.450 1.500 1.500
Laurentian Bank Canada Not compounded Monthly no 500 1.100 1.300 1.400 1.450 1.500 1.500
Rapport Credit Union Annually At maturity no 40,000 1.250 1.350 1.400 1.450 1.900 -
Rapport Credit Union Annually At maturity no 20,000 1.250 1.350 1.400 1.450 1.900 -
HSBC Bank Canada Annually At maturity no 50,000 1.000 1.250 1.350 1.500 1.600 -
HSBC Bank Canada Annually At maturity no 500 1.000 1.250 1.350 1.500 1.600 -
Royal Bank of Canada Annually At maturity no 500 1.100 1.250 1.350 1.500 1.600 -
Royal Bank of Canada Not compounded Annually no 500 1.100 1.250 1.350 1.500 1.600 -
TD Canada Trust Not compounded Annually no 500 1.000 1.250 1.350 1.500 1.600 -
TD Canada Trust Annually At maturity no 500 1.000 1.250 1.350 1.500 1.600 -
Alterna Savings Not compounded Annually no 500 1.250 1.400 1.500 1.600 3.100 -
Zag Bank Not compounded Annually no 250 1.200 2.500 1.500 1.600 2.000 -
Manulife Investments Annually At maturity yes 2,500 1.600 1.650 1.700 1.700 1.800 1.800
Great-West Life Not compounded Monthly no 500 1.450 1.500 1.700 1.750 1.500 1.650
Great-West Life Not compounded Monthly no 25,000 1.450 1.500 1.700 1.750 1.500 1.650
Great-West Life Not compounded Monthly no 50,000 1.450 1.500 1.700 1.750 1.500 1.650
Great-West Life Not compounded Monthly yes 500 1.450 1.500 1.700 1.750 1.500 1.650
Great-West Life Not compounded Monthly yes 25,000 1.450 1.500 1.700 1.750 1.500 1.650
Great-West Life Not compounded Monthly yes 50,000 1.450 1.500 1.700 1.750 1.500 1.650
PACE Savings & Credit Un Annually At maturity no 1,000 1.250 1.350 1.550 1.750 2.000 -
Alterna Bank Not compounded Annually no 500 1.500 1.600 1.800 1.800 2.100 -
Coast Capital Savings Annually At maturity no 1,000 1.300 1.400 1.750 1.800 2.100 -
Canada Life Annually At maturity yes 25,000 1.550 1.600 1.800 1.850 1.600 1.750
Canada Life Annually At maturity yes 75,000 1.550 1.600 1.800 1.850 1.600 1.750
Canada Life Annually At maturity yes 1,000 1.550 1.600 1.800 1.850 1.600 1.750
Great-West Life Not compounded Annually no 500 1.550 1.600 1.800 1.850 1.600 1.750
Great-West Life Not compounded Annually no 25,000 1.550 1.600 1.800 1.850 1.600 1.750
Great-West Life Not compounded Annually no 50,000 1.550 1.600 1.800 1.850 1.600 1.750
Great-West Life Annually At maturity no 500 1.550 1.600 1.800 1.850 1.600 1.750
Great-West Life Annually At maturity no 25,000 1.550 1.600 1.800 1.850 1.600 1.750
Great-West Life Annually At maturity no 50,000 1.550 1.600 1.800 1.850 1.600 1.750
Great-West Life Not compounded Annually yes 500 1.550 1.600 1.800 1.850 1.600 1.750
Great-West Life Not compounded Annually yes 25,000 1.550 1.600 1.800 1.850 1.600 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 April 23, 2018

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

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