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 0.600 0.600 0.750 0.900 1.250 -
Great-West Life Not compounded Monthly no 500 0.250 0.450 0.550 0.900 1.200 1.400
Great-West Life Not compounded Monthly yes 500 0.250 0.450 0.550 0.900 1.200 1.400
Laurentienne Trust Not compounded Monthly no 500 0.500 0.600 0.750 0.900 1.250 -
Great-West Life Not compounded Monthly yes 25,000 0.375 0.575 0.675 1.025 1.325 1.525
Great-West Life Not compounded Monthly no 25,000 0.375 0.575 0.675 1.025 1.325 1.525
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 -
Great-West Life Not compounded Monthly no 50,000 0.500 0.700 0.800 1.150 1.450 1.650
Great-West Life Not compounded Monthly yes 50,000 0.500 0.700 0.800 1.150 1.450 1.650
Laurentian Bank Canada Not compounded Annually yes 500 0.600 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 -
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 -
BMO Bank of Montreal Annually At maturity yes 500 0.750 0.900 1.100 1.350 1.700 -
Royal Bank of Canada Semi-annually At maturity yes 500 1.000 1.300 1.500 1.350 1.750 -
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 -
Canada Life Annually At maturity yes 1,000 0.750 0.950 1.050 1.400 1.700 1.900
Great-West Life Annually At maturity no 500 0.750 0.950 1.050 1.400 1.700 1.900
Great-West Life Not compounded Annually yes 500 0.750 0.950 1.050 1.400 1.700 1.900
Great-West Life Annually At maturity yes 500 0.750 0.950 1.050 1.400 1.700 1.900
Great-West Life Not compounded Annually no 500 0.750 0.950 1.050 1.400 1.700 1.900
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 -
London Life Annually At maturity yes 1,000 0.750 0.950 1.050 1.400 1.700 -
Windsor Family C.U. Annually At maturity no 500 0.900 1.100 1.250 1.400 1.750 -
Caisses Desjardins Not compounded Semi-annually no 500 0.850 1.100 1.200 1.450 1.700 -
Caisses Desjardins Not compounded Monthly no 500 0.850 1.100 1.200 1.450 1.700 -
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 -
Fiducie Desjardins Annually At maturity no 1,000 - 1.150 1.250 1.500 1.750 -
Fiducie Desjardins Not compounded Annually no 1,000 0.900 1.150 1.250 1.500 1.750 -
National Bank Annually At maturity no 500 0.900 1.150 1.250 1.500 1.750 -
Canada Life Annually At maturity yes 25,000 0.875 1.075 1.175 1.525 1.825 2.025
Great-West Life Annually At maturity no 25,000 0.875 1.075 1.175 1.525 1.825 2.025
Great-West Life Not compounded Annually yes 25,000 0.875 1.075 1.175 1.525 1.825 2.025
Great-West Life Annually At maturity yes 25,000 0.875 1.075 1.175 1.525 1.825 2.025
Great-West Life Not compounded Annually no 25,000 0.875 1.075 1.175 1.525 1.825 2.025
Industrial Alliance Annually At maturity yes 1,000 0.900 1.150 1.250 1.550 1.950 -
Industrial Alliance Not compounded Annually yes 1,000 0.900 1.150 1.250 1.550 1.950 -
Manulife Investments Annually At maturity yes 2,500 0.750 1.200 1.300 1.550 1.800 1.850
BMO Bank of Montreal Annually At maturity no 500 1.000 1.150 1.350 1.600 1.950 1.950
BMO Bank of Montreal Not compounded Annually no 500 1.000 1.150 1.350 1.600 1.950 1.950
HSBC Bank Canada Annually At maturity no 500 1.150 1.250 1.350 1.600 1.950 -
HSBC Bank Canada Annually At maturity no 50,000 1.150 1.250 1.350 1.600 1.950 -
Ontario Civil Service CU Annually At maturity no 5,000 1.000 1.100 1.350 1.600 1.900 -
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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 22, 2014

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

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