Savings Rates | GIC/GIA: 1 to 6 years (Non-Registered)

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Sorted by: 5 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 Not compounded Annually yes 500 0.350 0.350 0.350 0.350 0.350 -
ATB Financial Not compounded Annually yes 100,000 0.350 0.350 0.350 0.350 0.350 -
TD Canada Trust Not compounded Semi-annually yes 1,000 0.200 0.300 0.500 0.500 0.550 -
HSBC Bank Canada Not compounded Monthly yes 5,000 0.325 0.425 0.425 0.575 0.725 -
CIBC Not compounded Monthly yes 1,000 0.050 0.150 0.350 0.550 0.750 0.750
CIBC Not compounded Monthly yes 5,000 0.050 0.150 0.350 0.550 0.750 0.750
CIBC Not compounded Monthly yes 100,000 0.050 0.150 0.350 0.550 0.750 0.750
CIBC Not compounded Monthly yes 250,000 0.050 0.150 0.350 0.550 0.750 0.750
Laurentian Bank Canada Not compounded Monthly yes 500 0.250 0.250 0.400 0.550 0.750 -
Canada Life Not compounded Monthly yes 5,000 0.250 0.250 0.250 0.600 0.850 1.000
Canada Life Not compounded Annually yes 1,000 0.250 0.250 0.250 0.600 0.850 1.000
HSBC Bank Canada Not compounded Annually yes 1,000 0.450 0.550 0.550 0.700 0.850 -
CIBC Not compounded Semi-annually yes 250,000 0.175 0.275 0.475 0.675 0.875 0.875
CIBC Not compounded Quarterly yes 1,000 0.175 0.275 0.475 0.675 0.875 0.875
CIBC Not compounded Quarterly yes 5,000 0.175 0.275 0.475 0.675 0.875 0.875
CIBC Not compounded Quarterly yes 100,000 0.175 0.275 0.475 0.675 0.875 0.875
CIBC Not compounded Quarterly yes 250,000 0.175 0.275 0.475 0.675 0.875 0.875
CIBC Not compounded Semi-annually yes 1,000 0.175 0.275 0.475 0.675 0.875 0.875
CIBC Not compounded Semi-annually yes 5,000 0.175 0.275 0.475 0.675 0.875 0.875
CIBC Not compounded Semi-annually yes 100,000 0.175 0.275 0.475 0.675 0.875 0.875
Canada Life Not compounded Monthly yes 25,000 0.370 0.370 0.370 0.720 0.970 1.120
Canada Life Not compounded Annually yes 25,000 0.375 0.375 0.375 0.725 0.975 1.125
CIBC Not compounded Annually yes 1,000 0.300 0.400 0.600 0.800 1.000 1.000
CIBC Not compounded Annually yes 5,000 0.300 0.400 0.600 0.800 1.000 1.000
CIBC Not compounded Annually yes 100,000 0.300 0.400 0.600 0.800 1.000 1.000
CIBC Not compounded Annually yes 250,000 0.300 0.400 0.600 0.800 1.000 1.000
CIBC Trust Corp. Not compounded Monthly no 1,000 0.300 0.400 0.600 0.800 1.000 1.000
CIBC Trust Corp. Not compounded Monthly no 5,000 0.300 0.400 0.600 0.800 1.000 1.000
CIBC Trust Corp. Not compounded Monthly no 100,000 0.300 0.400 0.600 0.800 1.000 1.000
CIBC Trust Corp. Not compounded Monthly no 250,000 0.300 0.400 0.600 0.800 1.000 1.000
Concentra Financial Not compounded Monthly no 25,000 0.400 0.500 0.600 0.700 1.000 -
Great-West Life Not compounded Monthly no 500 0.150 0.250 0.350 0.750 1.000 1.150
Great-West Life Not compounded Monthly yes 500 0.150 0.250 0.350 0.750 1.000 1.150
HSBC Bank Canada Not compounded Monthly no 100,000 0.600 0.650 0.700 0.800 1.000 -
HSBC Bank Canada Not compounded Monthly no 5,000 0.060 0.650 0.700 0.800 1.000 -
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
London Life Not compounded Monthly no 10,000 0.150 0.250 0.350 0.750 1.000 -
Meridian Credit Union Annually At maturity yes 500 1.000 1.000 1.000 1.000 1.000 -
Parama Credit Union Not compounded Annually yes 500 1.000 1.000 1.000 1.000 1.000 -
London Life Not compounded Semi-annually no 10,000 0.200 0.300 0.400 0.800 1.050 -
Canada Life Not compounded Monthly yes 75,000 0.500 0.500 0.500 0.850 1.090 1.240
Canada Life Annually At maturity yes 1,000 0.250 0.350 0.450 0.850 1.100 1.250
Canada Life Not compounded Annually yes 75,000 0.500 0.500 0.500 0.850 1.100 1.250
Great-West Life Not compounded Annually no 500 0.250 0.350 0.450 0.850 1.100 1.250
Great-West Life Annually At maturity no 500 0.250 0.350 0.450 0.850 1.100 1.250
Great-West Life Not compounded Annually yes 500 0.250 0.350 0.450 0.850 1.100 1.250
Great-West Life Annually At maturity yes 500 0.250 0.350 0.450 0.850 1.100 1.250
London Life Annually At maturity no 10,000 - - 0.450 0.850 1.100 -
London Life Annually At maturity yes 1,000 0.250 0.350 0.450 0.850 1.100 -
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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 30, 2016

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

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