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 -
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
Great-West Life Not compounded Monthly no 500 0.450 0.500 0.600 0.850 1.000 1.150
Great-West Life Not compounded Monthly no 25,000 0.450 0.500 0.600 0.850 1.000 1.150
Great-West Life Not compounded Monthly no 50,000 0.450 0.500 0.600 0.850 1.000 1.150
Great-West Life Not compounded Monthly yes 500 0.450 0.500 0.600 0.850 1.000 1.150
Great-West Life Not compounded Monthly yes 25,000 0.450 0.500 0.600 0.850 1.000 1.150
Great-West Life Not compounded Monthly yes 50,000 0.450 0.500 0.600 0.850 1.000 1.150
Canada Life Annually At maturity yes 25,000 0.550 0.600 0.700 0.950 1.100 1.250
Canada Life Annually At maturity yes 75,000 0.550 0.600 0.700 0.950 1.100 1.250
Canada Life Annually At maturity yes 1,000 0.550 0.600 0.700 0.950 1.100 1.250
Great-West Life Annually At maturity yes 50,000 0.550 0.600 0.700 0.950 1.100 1.250
Great-West Life Not compounded Annually no 500 0.550 0.600 0.700 0.950 1.100 1.250
Great-West Life Not compounded Annually no 25,000 0.550 0.600 0.700 0.950 1.100 1.250
Great-West Life Not compounded Annually no 50,000 0.550 0.600 0.700 0.950 1.100 1.250
Great-West Life Annually At maturity no 500 0.550 0.600 0.700 0.950 1.100 1.250
Great-West Life Annually At maturity no 25,000 0.550 0.600 0.700 0.950 1.100 1.250
Great-West Life Annually At maturity no 50,000 0.550 0.600 0.700 0.950 1.100 1.250
Great-West Life Not compounded Annually yes 500 0.550 0.600 0.700 0.950 1.100 1.250
Great-West Life Not compounded Annually yes 25,000 0.550 0.600 0.700 0.950 1.100 1.250
Great-West Life Not compounded Annually yes 50,000 0.550 0.600 0.700 0.950 1.100 1.250
Great-West Life Annually At maturity yes 500 0.550 0.600 0.700 0.950 1.100 1.250
Great-West Life Annually At maturity yes 25,000 0.550 0.600 0.700 0.950 1.100 1.250
London Life Annually At maturity yes 50,000 0.550 0.600 0.700 0.950 1.100 -
London Life Annually At maturity yes 1,000 0.550 0.600 0.700 0.950 1.100 -
National Bank Annually At maturity yes 500 0.650 0.800 0.900 0.950 1.050 -
BMO Bank of Montreal Annually At maturity yes 100,000 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 -
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 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 -
Laurentian Bank Canada Not compounded Annually yes 500 - 0.750 0.900 1.050 1.250 -
Manulife Investments Annually At maturity yes 2,500 0.400 0.600 0.900 1.050 1.250 1.350
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 -
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 -
Empire Life Annually At maturity yes 500 0.500 0.750 0.900 1.100 1.500 1.100
WFCU Credit Union Annually At maturity no 500 0.850 0.950 1.050 1.150 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 -
Empire Life Annually At maturity yes 50,000 0.625 0.875 1.025 1.225 1.625 1.225
BMO Bank of Montreal Not compounded At maturity cashable 100,000 0.850 1.050 1.150 1.250 1.500 1.500
BMO Bank of Montreal Not compounded Annually cashable 100,000 0.850 1.050 1.150 1.250 1.500 1.500
Royal Bank of Canada Semi-annually At maturity yes 500 0.650 0.900 1.000 1.250 1.350 -
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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 26, 2017

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

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