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 0.100 0.100 0.100 0.100 0.100 -
ATB Financial Semi-annually At maturity no 500 1.100 1.000 1.050 1.150 1.350 -
Royal Bank of Canada Semi-annually At maturity yes 500 0.650 0.850 0.900 0.950 1.350 -
Alterna Bank Not compounded Annually yes 500 0.750 - - - - -
Alterna Savings Not compounded Annually yes 500 0.750 - - - - -
BMO Bank of Montreal Not compounded Annually no 1,000 0.850 1.050 1.150 1.250 1.500 1.500
CIBC Not compounded Annually cashable 500 0.500 - - - - -
Caisses Desjardins Not compounded Annually no 1,000 0.850 1.100 1.150 1.300 1.500 -
Entegra Credit Union Not compounded Annually no 1,000 1.750 1.850 1.900 2.050 2.200 -
Fiducie Desjardins Not compounded Annually no 1,000 0.850 1.100 1.150 1.300 1.500 -
Great-West Life Not compounded Annually no 500 0.150 0.200 0.400 0.550 0.700 0.850
Great-West Life Not compounded Annually no 25,000 0.275 0.325 0.525 0.675 0.825 0.975
Great-West Life Not compounded Annually no 50,000 0.400 0.450 0.650 0.800 0.950 1.100
Great-West Life Not compounded Monthly no 500 0.050 0.100 0.300 0.450 0.600 0.750
Great-West Life Not compounded Monthly no 25,000 0.175 0.225 0.425 0.575 0.725 0.875
Great-West Life Not compounded Monthly no 50,000 0.300 0.350 0.550 0.700 0.850 1.000
Great-West Life Not compounded Annually yes 500 0.150 0.200 0.400 0.550 0.700 0.850
Great-West Life Not compounded Annually yes 25,000 0.275 0.325 0.525 0.675 0.825 0.975
Great-West Life Not compounded Annually yes 50,000 0.400 0.450 0.650 0.800 0.950 1.100
Great-West Life Not compounded Monthly yes 500 0.050 0.100 0.300 0.450 0.600 0.750
Great-West Life Not compounded Monthly yes 25,000 0.175 0.225 0.425 0.575 0.725 0.875
Great-West Life Not compounded Monthly yes 50,000 0.300 0.350 0.550 0.700 0.850 1.000
Industrial Alliance Not compounded Annually yes 25,000 1.350 1.800 2.000 1.950 1.750 -
Industrial Alliance Not compounded Annually yes 100,000 1.400 1.850 2.050 2.000 1.800 -
Industrial Alliance Not compounded Annually yes 200,000 1.450 1.900 2.100 2.050 1.850 -
Industrial Alliance Not compounded Annually yes 1,000 1.200 1.650 1.850 1.800 1.600 -
Laurentian Bank Canada Not compounded Monthly no 500 0.500 0.500 0.650 0.800 1.000 1.000
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 Not compounded At maturity yes 500 0.600 - - - - -
Laurentian Bank Canada Not compounded Annually yes 500 - 0.750 0.900 1.050 1.250 -
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 yes 500 0.250 0.250 0.400 0.550 0.750 -
Laurentian Bank Canada Not compounded At maturity no 500 0.850 - - - - -
Laurentian Bank Canada Not compounded Annually no 500 - 1.000 1.150 1.300 1.500 1.500
Libro Credit Union Not compounded Annually no 500 1.150 1.500 1.650 1.800 1.900 -
MAXA Financial Not compounded Annually no 500 1.800 1.900 1.950 2.100 2.250 -
MCAN Mortgage Corp. Not compounded Annually no 5,000 1.400 1.550 1.750 1.800 1.850 -
MCAN Mortgage Corp. Not compounded Annually no 100,000 1.500 1.650 1.850 1.900 1.950 -
MCAN Mortgage Corp. Not compounded Annually no 25,000 1.450 1.600 1.800 1.850 1.900 -
Outlook Financial Not compounded Monthly yes 1,000 1.650 1.750 1.800 1.950 2.100 -
Outlook Financial Not compounded Annually yes 1,000 1.800 1.900 1.950 2.100 2.250 -
Peace Hills Trust Not compounded Annually no 1,000 1.450 1.650 1.750 1.800 2.050 -
President's Choice Fin'l Not compounded Annually no 100 1.400 1.350 1.500 1.600 1.900 -
Royal Bank of Canada Not compounded Annually no 500 0.900 1.100 1.150 1.200 1.600 -
Sun Life - Insurance Not compounded Annually yes 1,000 0.600 0.600 0.650 1.050 1.350 -
Sun Life - Trust Not compounded Annually no 1,000 0.900 1.100 1.150 1.350 1.600 -
Sun Life - Trust Not compounded Annually yes 1,000 0.600 0.600 0.650 1.050 1.350 -
TD Canada Trust Not compounded Annually no 500 0.850 0.900 1.000 1.050 1.500 -
Your Neighbourhood C.U. Not compounded Annually no 500 1.300 1.500 1.800 2.000 2.100 -
Your Neighbourhood C.U. Not compounded Annually no 20,000 1.350 1.550 1.850 2.050 2.150 -
Your Neighbourhood C.U. Not compounded Annually no 100,000 1.400 1.600 1.900 2.100 2.200 -
Zag Bank Not compounded Annually no 250 1.350 1.600 1.700 1.800 1.900 -
ATB Financial Annually At maturity yes 500 0.350 0.350 0.350 0.350 0.350 -
ATB Financial Annually At maturity no 500 1.350 1.250 1.300 1.400 1.600 -
AcceleRate Financial Annually At maturity no 500 1.850 1.950 2.000 2.150 2.300 2.350
Achieva Financial Annually At maturity no 1,000 1.850 1.950 2.000 2.150 2.300 -
Alterna Bank Annually At maturity no 500 1.000 1.200 1.200 1.350 1.600 -
Alterna Savings Annually At maturity no 500 1.000 1.200 1.200 1.350 1.600 -
B2B Bank Annually At maturity no 1,000 1.300 1.650 1.760 1.810 1.910 -
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 Annually At maturity yes 1,000 0.600 0.800 0.900 1.000 1.250 -
Bank of Nova Scotia Annually At maturity no 500 0.900 1.100 1.150 1.300 1.500 -
Bk Nova Scotia Mtg. Corp Annually At maturity no 500 0.900 1.100 1.150 1.300 1.500 -
CIBC Annually At maturity no 500 0.550 0.650 0.850 1.050 1.250 -
CIBC Annually At maturity yes 500 0.300 0.400 0.600 - - -
Canada Life Annually At maturity yes 75,000 0.400 0.450 0.650 0.800 0.950 1.100
Canada Life Annually At maturity yes 25,000 0.275 0.325 0.525 0.675 0.825 0.975
Canada Life Annually At maturity yes 1,000 0.150 0.200 0.400 0.550 0.700 0.850
Canadian Direct Fin'l Annually At maturity no 500 1.620 1.880 2.000 2.050 2.160 -
Canadian Western Bank Annually At maturity no 500 1.370 1.630 1.750 1.800 1.910 -
Canadian Western Trust Annually At maturity no 5,000 1.370 1.630 1.750 1.800 1.910 -
Coast Capital Savings Annually At maturity no 1,000 1.200 1.300 1.500 1.600 1.850 -
Community Trust Annually At maturity no 1,000 1.480 1.650 1.800 1.850 2.200 -
Comtech Credit Union Annually At maturity no 100,000 1.800 1.650 1.750 2.150 2.250 -
Comtech Credit Union Annually At maturity no 50,000 1.800 1.650 1.750 2.150 2.250 -
Comtech Credit Union Annually At maturity no 1,000 1.800 1.650 1.750 2.150 2.250 -
Comtech Credit Union Annually At maturity no 200,000 1.800 1.650 1.750 2.150 2.250 -
DUCA Financial Services Annually At maturity no 500 1.200 1.400 1.650 1.750 1.950 1.950
Effort Trust Annually At maturity no 1,000 1.500 1.650 1.750 1.800 2.000 -
Empire Life Annually At maturity yes 500 0.650 0.700 0.750 0.850 1.350 1.150
Empire Life Annually At maturity yes 50,000 0.775 0.825 0.875 0.975 1.475 1.275
Empire Life Annually At maturity yes 100,000 0.900 0.950 1.000 1.100 1.600 1.400
Entegra Credit Union Annually At maturity no 1,000 1.750 1.850 1.900 2.050 2.200 -
Equitable Life Annually At maturity yes 25,000 0.650 0.950 1.100 1.200 1.350 -
Equitable Life Annually At maturity yes 500 0.650 0.950 1.100 1.200 1.350 -
Equitable Life Annually At maturity yes 50,000 0.650 0.950 1.100 1.200 1.350 -
First Calgary Financial Annually At maturity no 500 0.900 1.100 1.150 1.300 2.000 -
FirstOntario Credit Un. Annually At maturity no 500 1.900 1.700 1.800 2.000 1.900 -
Great-West Life Annually At maturity no 500 0.150 0.200 0.400 0.550 0.700 0.850
Great-West Life Annually At maturity no 25,000 0.275 0.325 0.525 0.675 0.825 0.975
Great-West Life Annually At maturity no 50,000 0.400 0.450 0.650 0.800 0.950 1.100
Great-West Life Annually At maturity yes 500 0.150 0.200 0.400 0.550 0.700 0.850
Great-West Life Annually At maturity yes 25,000 0.275 0.325 0.525 0.675 0.825 0.975
Great-West Life Annually At maturity yes 50,000 0.400 0.450 0.650 0.800 0.950 1.100
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 -
Home Trust Company Annually At maturity no 1,000 1.450 1.600 1.700 1.800 1.900 -
Hubert Financial Annually At maturity no 1,000 - 2.000 2.050 2.150 2.300 -
Hubert Financial Annually At maturity yes 1,000 1.950 - - - - -
ICICI Bank Canada Annually At maturity yes 1,000 1.350 1.550 1.650 1.850 2.050 -
Industrial Alliance Annually At maturity yes 25,000 1.350 1.800 2.000 1.950 1.750 -
Industrial Alliance Annually At maturity yes 100,000 1.400 1.850 2.050 2.000 1.800 -
Industrial Alliance Annually At maturity yes 200,000 1.450 1.900 2.100 2.050 1.850 -
Industrial Alliance Annually At maturity yes 1,000 1.200 1.650 1.850 1.800 1.600 -
Laurentian Bank Canada Annually Annually yes 500 - 0.750 0.900 1.050 1.250 -
Laurentian Bank Canada Annually Annually no 500 - 1.000 1.150 1.300 1.500 1.500
London Life Annually At maturity yes 50,000 0.400 0.450 0.650 0.800 0.950 -
London Life Annually At maturity yes 1,000 0.150 0.200 0.400 0.550 0.700 -
Luminus Financial Annually At maturity no 500 2.000 1.400 1.500 1.650 1.750 -
MCAN Mortgage Corp. Annually At maturity no 25,000 1.450 1.600 1.800 1.850 1.900 -
MCAN Mortgage Corp. Annually At maturity no 5,000 1.400 1.550 1.750 1.800 1.850 -
MCAN Mortgage Corp. Annually At maturity no 100,000 1.500 1.650 1.850 1.900 1.950 -
Manulife Bank Annually At maturity no 2,500 1.200 1.400 1.500 1.650 1.800 -
Manulife Investments Annually At maturity yes 2,500 0.400 0.450 0.700 0.800 0.950 1.050
Manulife Investments Annually At maturity no 2,500 0.650 0.700 0.950 1.050 1.200 1.300
Meridian Credit Union Annually At maturity no 500 1.250 1.350 1.550 1.750 2.000 -
National Bank Annually At maturity yes 500 0.650 0.800 0.900 1.050 1.200 -
National Bank Annually At maturity no 500 0.900 1.100 1.200 1.350 1.500 -
Oaken Financial Annually At maturity no 1,000 2.050 2.400 2.500 2.600 2.750 -
Outlook Financial Annually At maturity yes 1,000 1.800 1.900 1.950 2.100 2.250 -
PACE Savings & Credit Un Annually At maturity no 1,000 1.000 1.200 1.400 1.500 1.600 -
Parama Credit Union Annually At maturity no 1,000 1.600 1.750 1.900 2.050 2.200 -
Peace Hills Trust Annually At maturity no 1,000 1.450 1.650 1.750 1.800 2.050 -
Peoples Trust Annually At maturity no 1,000 2.050 2.200 2.250 2.300 2.450 -
President's Choice Fin'l Annually At maturity no 100 1.400 1.350 1.500 1.600 1.900 -
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 60,000 1.400 1.500 1.550 1.600 2.250 -
Rapport Credit Union Annually At maturity no 40,000 1.250 1.350 1.400 1.450 2.100 -
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 100,000 1.400 1.500 1.550 1.600 2.250 -
Rapport Credit Union Annually At maturity no 10,000 1.000 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 -
Royal Bank of Canada Annually At maturity no 500 0.900 1.100 1.150 1.200 1.600 -
State Bank of India (C) Annually Annually no 1,000 1.300 1.400 1.600 1.800 2.000 -
Steinbach Credit Union Annually At maturity no 500 1.750 1.850 1.900 2.050 2.200 -
Sun Life - Insurance Annually At maturity yes 1,000 0.600 0.600 0.650 1.050 1.350 -
Sun Life - Trust Annually At maturity no 1,000 0.900 1.100 1.150 1.350 1.600 -
Sun Life - Trust Annually At maturity yes 1,000 0.600 0.600 0.650 1.050 1.350 -
TD Canada Trust Annually At maturity no 500 0.850 0.900 1.000 1.050 1.500 -
Tangerine Annually At maturity no 1 1.400 1.600 1.700 1.800 1.900 -
VersaBank (Pac&WestBank) Annually At maturity no 1,000 1.400 1.450 1.550 1.650 1.800 -
WFCU Credit Union Annually At maturity no 500 0.850 0.950 1.050 1.150 1.400 -
Your Neighbourhood C.U. Annually At maturity no 100,000 1.400 1.600 1.900 2.100 2.200 -
Your Neighbourhood C.U. Annually At maturity no 500 1.300 1.500 1.800 2.000 2.100 -
Your Neighbourhood C.U. Annually At maturity no 20,000 1.350 1.550 1.850 2.050 2.150 -

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 29, 2016

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

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