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

Sorted by: Compound Frequency in descending 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 -
ATB Financial Semi-annually At maturity no 500 1.380 1.550 1.500 1.750 1.950 -
Royal Bank of Canada Semi-annually At maturity yes 500 1.050 1.300 1.350 1.350 1.750 -
Alterna Bank Not compounded Annually yes 500 1.100 - - - - -
Alterna Savings Not compounded Annually yes 500 1.100 - - - - -
BMO Bank of Montreal Not compounded Annually no 500 1.000 1.150 1.350 1.600 1.950 1.950
CFF Bank Not compounded Annually no 25,000 1.800 1.850 2.000 2.150 2.400 -
CFF Bank Not compounded Annually no 5,000 1.750 1.800 1.950 2.100 2.350 -
CFF Bank Not compounded At maturity cashable 25,000 0.850 - - - - -
CFF Bank Not compounded At maturity cashable 10,000 0.750 - - - - -
CIBC Not compounded Annually cashable 500 0.800 - - - - -
Caisses Desjardins Not compounded Monthly no 500 0.850 1.100 1.200 1.450 1.700 -
Caisses Desjardins Not compounded Semi-annually no 500 0.850 1.100 1.200 1.450 1.700 -
Caisses Desjardins Not compounded Annually no 1,000 0.900 1.150 1.250 1.500 1.750 -
Concentra Financial Not compounded Annually cashable 5,000 0.900 - - - - -
Desjardins Fin. Security Not compounded Annually yes 500 0.850 1.100 1.500 1.800 2.050 -
Entegra Credit Union Not compounded Annually no 1,000 2.000 2.100 2.200 2.350 2.500 -
Fiducie Desjardins Not compounded Annually no 1,000 0.900 1.150 1.250 1.500 1.750 -
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 no 25,000 0.375 0.575 0.675 1.025 1.325 1.525
Great-West Life Not compounded Annually yes 500 0.750 0.950 1.050 1.400 1.700 1.900
Great-West Life Not compounded Annually yes 25,000 0.875 1.075 1.175 1.525 1.825 2.025
Great-West Life Not compounded Annually yes 50,000 1.000 1.200 1.300 1.650 1.950 2.150
Great-West Life Not compounded Monthly yes 500 0.250 0.450 0.550 0.900 1.200 1.400
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 yes 50,000 0.500 0.700 0.800 1.150 1.450 1.650
Great-West Life Not compounded Annually no 500 0.750 0.950 1.050 1.400 1.700 1.900
Great-West Life Not compounded Annually no 25,000 0.875 1.075 1.175 1.525 1.825 2.025
Great-West Life Not compounded Annually no 50,000 1.000 1.200 1.300 1.650 1.950 2.150
Great-West Life Not compounded Monthly no 500 0.250 0.450 0.550 0.900 1.200 1.400
Industrial Alliance Not compounded Annually yes 25,000 1.000 1.300 1.400 1.700 2.000 -
Industrial Alliance Not compounded Annually yes 100,000 1.050 1.350 1.450 1.750 2.050 -
Industrial Alliance Not compounded Annually yes 1,000 0.850 1.150 1.250 1.550 1.850 -
Industrial Alliance Not compounded Annually yes 200,000 1.100 1.400 1.500 1.800 2.100 -
Laurentian Bank Canada Not compounded Annually no 500 0.850 1.100 1.250 1.400 1.750 -
Laurentian Bank Canada Not compounded Annually yes 500 0.600 0.850 1.000 1.150 1.500 -
Laurentienne Trust Not compounded Annually no 500 0.850 1.100 1.250 1.400 1.750 -
Laurentienne Trust Not compounded Semi-annually no 500 0.600 0.850 1.000 1.150 1.500 -
Laurentienne Trust Not compounded Quarterly no 500 0.500 0.730 0.880 1.030 1.380 -
Laurentienne Trust Not compounded Monthly no 500 0.500 0.600 0.750 0.900 1.250 -
Libro Credit Union Not compounded Annually no 500 1.350 1.750 2.000 2.200 2.400 -
MAXA Financial Not compounded Annually yes 500 2.150 2.250 2.400 2.550 2.700 0.000
MCAN Mortgage Corp. Not compounded Annually no 5,000 1.950 2.100 2.100 2.100 2.300 -
MCAN Mortgage Corp. Not compounded Annually no 25,000 2.000 2.150 2.150 2.150 2.350 -
MCAN Mortgage Corp. Not compounded Annually no 100,000 2.050 2.200 2.200 2.200 2.400 -
Outlook Financial Not compounded Monthly yes 1,000 2.000 2.150 2.350 2.500 2.650 -
Outlook Financial Not compounded Annually yes 1,000 2.150 2.300 2.500 2.650 2.800 -
Peace Hills Trust Not compounded Annually no 1,000 1.450 1.900 2.050 2.250 2.450 -
President's Choice Fin'l Not compounded Annually no 100 1.400 1.650 1.900 2.200 2.500 -
Royal Bank of Canada Not compounded Annually no 500 1.300 1.550 1.600 1.600 2.000 -
Sun Life - Insurance Not compounded Annually yes 1,000 1.150 1.200 1.200 1.750 2.000 -
Sun Life - Trust Not compounded Annually no 1,000 1.400 1.450 1.700 2.100 2.500 -
Sun Life - Trust Not compounded Annually yes 1,000 1.150 1.200 1.200 1.750 2.000 -
TD Canada Trust Not compounded Annually no 500 1.300 1.350 1.400 1.600 2.000 -
Your Neighbourhood C.U. Not compounded Annually no 20,000 1.750 1.850 1.950 2.300 2.500 -
Your Neighbourhood C.U. Not compounded Annually no 100,000 1.800 1.900 2.000 2.350 2.550 -
Your Neighbourhood C.U. Not compounded Annually no 500 1.700 1.800 1.900 2.250 2.450 -
ATB Financial Annually At maturity no 500 1.630 1.800 1.750 2.000 2.200 -
ATB Financial Annually At maturity yes 500 0.850 0.850 1.000 1.150 1.500 -
AcceleRate Financial Annually At maturity no 500 2.250 2.400 2.500 2.750 2.750 2.800
Achieva Financial Annually At maturity no 1,000 2.150 2.250 2.350 2.450 2.600 -
Alterna Bank Annually At maturity no 500 1.500 1.600 2.500 1.900 2.300 -
Alterna Savings Annually At maturity no 500 1.500 1.600 2.500 1.900 2.300 -
B2B Bank Annually At maturity no 1,000 1.800 1.950 2.150 2.260 2.500 -
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 Annually At maturity yes 500 0.750 0.900 1.100 1.350 1.700 -
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 -
CFF Bank Annually At maturity no 5,000 1.750 1.800 1.950 2.100 2.350 -
CFF Bank Annually At maturity no 25,000 1.800 1.850 2.000 2.150 2.400 -
CIBC Annually At maturity no 500 0.900 1.100 1.250 1.400 1.750 -
CIBC Annually At maturity yes 500 0.650 0.850 1.000 - - -
Caisses Desjardins Annually At maturity no 500 0.900 1.150 1.250 1.500 1.750 -
Canada Life Annually At maturity yes 75,000 1.000 1.200 1.300 1.650 1.950 2.150
Canada Life Annually At maturity yes 25,000 0.875 1.075 1.175 1.525 1.825 2.025
Canada Life Annually At maturity yes 1,000 0.750 0.950 1.050 1.400 1.700 1.900
Canadian Direct Fin'l Annually At maturity no 500 1.850 2.100 2.350 2.450 2.550 -
Canadian Western Bank Annually At maturity no 500 1.600 1.950 2.100 2.200 2.400 -
Canadian Western Trust Annually At maturity no 5,000 1.250 2.000 1.600 1.850 2.100 -
Coast Capital Savings Annually At maturity no 1,000 1.550 1.650 1.950 2.050 2.250 -
Community Trust Annually At maturity no 1,000 1.850 2.050 2.300 2.350 2.650 -
Comtech Credit Union Annually At maturity no 50,000 2.100 1.700 2.000 2.150 2.600 -
Comtech Credit Union Annually At maturity no 200,000 2.100 1.700 2.000 2.150 2.600 -
Comtech Credit Union Annually At maturity no 100,000 2.100 1.700 2.000 2.150 2.600 -
Comtech Credit Union Annually At maturity no 1,000 2.100 1.700 2.000 2.150 2.600 -
Concentra Financial Annually At maturity no 1,000 1.250 1.450 1.700 1.900 2.000 -
DUCA Financial Services Annually At maturity no 500 1.500 1.900 2.000 2.350 2.600 2.600
Desjardins Fin. Security Annually At maturity yes 500 0.850 1.100 1.500 1.800 2.050 -
Effort Trust Annually At maturity no 1,000 1.900 2.100 2.250 2.350 2.500 -
Empire Life Annually At maturity yes 500 1.000 1.200 1.400 1.600 1.900 1.900
Empire Life Annually At maturity yes 100,000 1.250 1.450 1.650 1.850 2.150 2.150
Empire Life Annually At maturity yes 50,000 1.125 1.325 1.525 1.725 2.025 2.025
Entegra Credit Union Annually At maturity no 1,000 2.000 2.100 2.200 2.350 2.500 -
Equitable Life Annually At maturity yes 500 0.900 1.400 1.600 1.850 2.100 -
Equitable Life Annually At maturity yes 50,000 0.900 1.400 1.600 1.850 2.100 -
Equitable Life Annually At maturity yes 25,000 0.900 1.400 1.600 1.850 2.100 -
Fiducie Desjardins Annually At maturity no 1,000 - 1.150 1.250 1.500 1.750 -
First Calgary Financial Annually At maturity no 500 1.250 1.650 1.700 1.750 2.350 -
FirstOntario Credit Un. Annually At maturity no 500 1.800 2.250 1.950 2.250 2.600 -
Great-West Life Annually At maturity no 25,000 0.875 1.075 1.175 1.525 1.825 2.025
Great-West Life Annually At maturity no 50,000 1.000 1.200 1.300 1.650 1.950 2.150
Great-West Life Annually At maturity yes 500 0.750 0.950 1.050 1.400 1.700 1.900
Great-West 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 yes 50,000 1.000 1.200 1.300 1.650 1.950 2.150
Great-West Life Annually At maturity no 500 0.750 0.950 1.050 1.400 1.700 1.900
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 -
Home Trust Company Annually At maturity no 1,000 1.850 2.050 2.250 2.350 2.550 -
ICICI Bank Canada Annually At maturity yes 1,000 1.750 2.050 2.500 2.600 3.000 -
Industrial Alliance Annually At maturity yes 200,000 1.100 1.400 1.500 1.800 2.100 -
Industrial Alliance Annually At maturity yes 1,000 0.850 1.150 1.250 1.550 1.850 -
Industrial Alliance Annually At maturity yes 25,000 1.000 1.300 1.400 1.700 2.000 -
Industrial Alliance Annually At maturity yes 100,000 1.050 1.350 1.450 1.750 2.050 -
Laurentian Bank Canada Annually At maturity yes 500 0.650 0.850 1.000 1.150 1.500 -
Laurentian Bank Canada Annually At maturity 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 -
London Life Annually At maturity yes 1,000 0.750 0.950 1.050 1.400 1.700 -
London Life Annually At maturity yes 50,000 1.000 1.200 1.300 1.650 1.950 -
MCAN Mortgage Corp. Annually At maturity no 5,000 1.950 2.100 2.100 2.100 2.300 -
MCAN Mortgage Corp. Annually At maturity no 100,000 2.050 2.200 2.200 2.200 2.400 -
MCAN Mortgage Corp. Annually At maturity no 25,000 2.000 2.150 2.150 2.150 2.350 -
Manulife Bank Annually At maturity no 2,500 1.400 1.600 1.850 2.100 2.350 -
Manulife Investments Annually At maturity no 2,500 1.000 1.400 1.500 1.750 1.950 2.000
Manulife Investments Annually At maturity yes 2,500 0.750 1.150 1.250 1.500 1.700 1.750
Meridian Credit Union Annually At maturity no 500 1.500 1.600 1.900 2.200 2.300 -
National Bank Annually At maturity yes 500 0.650 0.850 0.950 1.200 1.450 -
National Bank Annually At maturity no 500 0.900 1.150 1.250 1.500 1.750 -
Oaken Financial Annually At maturity no 1,000 2.000 2.350 2.400 2.600 2.800 -
Ontario Civil Service CU Annually At maturity no 100,000 1.350 1.600 1.750 1.900 2.200 -
Ontario Civil Service CU Annually At maturity no 1,000 1.000 1.100 1.350 1.600 1.900 -
Ontario Civil Service CU Annually At maturity no 5,000 1.000 1.100 1.350 1.600 1.900 -
Ontario Civil Service CU Annually At maturity no 10,000 1.300 1.450 1.500 1.750 2.050 -
Ontario Civil Service CU Annually At maturity no 60,000 1.350 1.600 1.750 1.900 2.200 -
Ontario Civil Service CU Annually At maturity no 40,000 1.350 1.600 1.750 1.900 2.200 -
Ontario Civil Service CU Annually At maturity no 20,000 1.300 1.450 1.500 1.750 2.050 -
Outlook Financial Annually At maturity yes 1,000 2.150 2.300 2.500 2.650 2.800 -
PACE Savings & Credit Un Annually At maturity no 1,000 1.200 1.300 1.600 1.750 2.100 -
Pacific & Western Bank Annually At maturity no 1,000 1.700 2.000 2.150 2.260 2.200 -
Parama Credit Union Annually At maturity no 1,000 1.650 1.900 2.150 2.350 2.550 -
Peace Hills Trust Annually At maturity no 1,000 1.450 1.900 2.050 2.250 2.450 -
Peoples Trust Annually At maturity no 5,000 1.400 1.700 1.850 2.100 2.300 -
President's Choice Fin'l Annually At maturity no 100 1.400 1.650 1.900 2.200 2.500 -
Royal Bank of Canada Annually At maturity no 500 1.300 1.550 1.600 1.600 2.000 -
Servus Credit Union Annually At maturity no 500 1.250 1.350 1.400 1.600 2.000 -
Standard Life Annually At maturity yes 1,000 1.200 1.350 1.500 1.750 2.000 2.025
Standard Life Annually At maturity yes 25,000 1.200 1.350 1.500 1.750 2.000 2.025
Standard Life Annually At maturity yes 50,000 1.200 1.350 1.500 1.750 2.000 2.025
Standard Life Annually At maturity yes 100,000 1.200 1.350 1.500 1.750 2.000 2.025
Standard Life Annually At maturity yes 250,000 1.200 1.350 1.500 1.750 2.000 2.025
Standard Life Annually At maturity yes 500,000 1.200 1.350 1.500 1.750 2.000 2.025
State Bank of India (C) Annually Annually no 1,000 1.850 2.100 2.600 2.700 3.000 -
Steinbach Credit Union Annually At maturity no 500 2.100 2.200 2.350 2.450 2.600 -
Sun Life - Insurance Annually At maturity yes 1,000 1.150 1.200 1.200 1.750 2.000 -
Sun Life - Trust Annually At maturity no 1,000 1.400 1.450 1.700 2.100 2.500 -
Sun Life - Trust Annually At maturity yes 1,000 1.150 1.200 1.200 1.750 2.000 -
TD Canada Trust Annually At maturity no 500 1.300 1.350 1.400 1.600 2.000 -
Tangerine Annually At maturity yes 1 1.350 1.650 1.900 2.200 2.550 -
Windsor Family C.U. Annually At maturity no 500 0.900 1.100 1.250 1.400 1.750 -
Your Neighbourhood C.U. Annually At maturity no 500 1.700 1.800 1.900 2.250 2.450 -
Your Neighbourhood C.U. Annually At maturity no 20,000 1.750 1.850 1.950 2.300 2.500 -
Your Neighbourhood C.U. Annually At maturity no 100,000 1.800 1.900 2.000 2.350 2.550 -

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 September 16, 2014

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

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