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

Sorted by: 1 Year Term 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
Parama Credit Union Annually At maturity no 1,000 2.400 1.850 2.000 2.100 2.250 -
Luminus Financial Annually At maturity no 500 2.300 2.250 2.300 2.350 2.400 -
MAXA Financial Not compounded Annually no 500 2.300 2.500 2.650 2.800 2.950 -
AcceleRate Financial Annually At maturity no 500 2.250 2.450 2.600 2.750 3.000 2.950
Achieva Financial Annually At maturity no 1,000 2.250 2.450 2.600 2.750 2.900 -
Hubert Financial Annually At maturity yes 1,000 2.250 - - - - -
Outlook Financial Annually At maturity yes 1,000 2.250 2.450 2.600 2.750 2.900 -
Outlook Financial Not compounded Annually yes 1,000 2.250 2.450 2.600 2.750 2.900 -
Your Neighbourhood C.U. Annually At maturity no 100,000 2.200 1.850 2.000 2.200 2.300 -
Your Neighbourhood C.U. Not compounded Annually no 100,000 2.200 1.850 2.000 2.200 2.300 -
Entegra Credit Union Annually At maturity no 1,000 2.150 2.350 2.500 2.650 2.800 -
Entegra Credit Union Not compounded Annually no 1,000 2.150 2.350 2.500 2.650 2.800 -
Steinbach Credit Union Annually At maturity no 500 2.150 2.400 2.500 2.650 3.000 -
Your Neighbourhood C.U. Not compounded Annually no 20,000 2.150 1.800 1.950 2.150 2.250 -
Your Neighbourhood C.U. Annually At maturity no 20,000 2.150 1.800 1.950 2.150 2.250 -
Effort Trust Company Annually At maturity no 1,000 2.100 2.250 2.300 2.350 2.400 -
Outlook Financial Not compounded Monthly yes 1,000 2.100 2.300 2.450 2.600 2.750 -
Your Neighbourhood C.U. Not compounded Annually no 1,000 2.100 1.750 1.900 2.100 2.200 -
Your Neighbourhood C.U. Annually At maturity no 1,000 2.100 1.750 1.900 2.100 2.200 -
Oaken Financial Annually At maturity no 1,000 2.000 2.350 2.650 2.750 3.000 -
MCAN Mortgage Corp. Not compounded Annually no 25,000 1.950 2.450 2.700 2.800 2.950 -
MCAN Mortgage Corp. Annually At maturity no 100,000 1.950 2.450 2.700 2.800 2.950 -
MCAN Mortgage Corp. Annually At maturity no 25,000 1.950 2.450 2.700 2.800 2.950 -
MCAN Mortgage Corp. Not compounded Annually no 100,000 1.950 2.450 2.700 2.800 2.950 -
Peoples Trust Annually At maturity no 1,000 1.950 2.050 2.250 2.350 2.500 -
Comtech Credit Union Annually At maturity no 200,000 1.900 2.100 2.250 2.400 2.750 -
Comtech Credit Union Annually At maturity no 100,000 1.900 2.100 2.250 2.400 2.750 -
Comtech Credit Union Annually At maturity no 50,000 1.900 2.100 2.250 2.400 2.750 -
MCAN Mortgage Corp. Annually At maturity no 5,000 1.850 2.350 2.600 2.700 2.850 -
MCAN Mortgage Corp. Not compounded Annually no 5,000 1.850 2.350 2.600 2.700 2.850 -
Motive Financial Annually At maturity no 500 1.830 2.280 2.650 2.720 2.970 -
Community Trust Annually At maturity no 50,000 1.800 2.300 2.400 2.400 2.500 -
Comtech Credit Union Annually At maturity no 1,000 1.800 1.820 1.850 2.250 2.350 -
FirstOntario Credit Un. Annually At maturity no 500 1.800 1.900 2.000 2.250 2.500 -
Tangerine Annually At maturity no 1 1.750 2.000 2.000 1.550 2.250 -
B2B Bank Annually At maturity no 1,000 1.710 2.180 2.400 2.470 2.720 -
Community Trust Annually At maturity no 1,000 1.700 2.200 2.300 2.300 2.400 -
First Calgary Financial Annually At maturity no 500 1.700 2.000 2.150 2.250 2.500 -
Home Bank - Agent Annually At maturity no 1,000 1.700 2.150 2.300 2.400 2.750 -
Peace Hills Trust Not compounded Annually no 1,000 1.700 2.150 2.350 2.450 2.700 -
Peace Hills Trust Annually At maturity no 1,000 1.700 2.150 2.350 2.450 2.700 -
Resurrection Credit Un. Annually At maturity no 1,000 1.700 1.850 1.950 2.200 2.300 -
Simplii Financial Not compounded Annually no 100 1.700 1.300 2.000 1.500 2.250 -
Simplii Financial Annually At maturity no 100 1.700 1.300 2.000 1.500 2.250 -
Home Trust Company-Agent Annually At maturity no 1,000 1.650 2.100 2.250 2.350 2.700 -
Canadian Western Bank Annually At maturity no 500 1.630 2.080 2.450 2.520 2.770 -
VersaBank (Pac&WestBank) Annually At maturity no 1,000 1.620 2.100 2.410 2.480 2.510 -
Canadian Western Trust Annually At maturity no 5,000 1.580 2.030 2.400 2.470 2.720 -
Manulife Bank Annually At maturity no 2,500 1.550 1.750 2.000 2.250 2.550 -
Sun Life - Trust Not compounded Annually no 1,000 1.550 1.600 1.700 2.000 2.250 -
Sun Life - Trust Annually At maturity no 1,000 1.550 1.600 1.700 2.000 2.250 -
ATB Financial Annually At maturity no 500 1.500 2.000 2.150 2.200 2.500 -
Alterna Bank Annually Annually no 500 1.500 1.600 1.800 1.800 2.100 -
Kindred Credit Union Annually At maturity no 250,000 1.450 1.850 2.150 2.250 2.300 -
Empire Life Annually At maturity yes 100,000 1.400 1.650 1.750 1.850 2.350 1.900
Kindred Credit Union Annually At maturity no 500 1.400 1.600 1.800 1.950 2.100 -
Kindred Credit Union Annually At maturity no 25,000 1.400 1.650 1.900 2.050 2.150 -
Kindred Credit Union Annually At maturity no 100,000 1.400 1.800 2.100 2.200 2.250 -
Kindred Credit Union Annually At maturity no 50,000 1.400 1.700 2.000 2.100 2.200 -
Rapport Credit Union Annually At maturity no 100,000 1.400 1.500 1.550 1.600 2.000 -
Rapport Credit Union Annually At maturity no 60,000 1.400 1.500 1.550 1.600 2.000 -
Sun Life - Insurance Not compounded Annually yes 1,000 1.400 1.400 1.400 1.850 2.150 -
Sun Life - Insurance Annually At maturity yes 1,000 1.400 1.400 1.400 1.850 2.150 -
Sun Life - Trust Not compounded Annually yes 1,000 1.400 1.400 1.400 1.850 2.150 -
Sun Life - Trust Annually At maturity yes 1,000 1.400 1.400 1.400 1.850 2.150 -
ICICI Bank Canada Annually At maturity yes 1,000 1.350 1.550 1.650 1.850 2.050 -
Industrial Alliance Not compounded Annually yes 200,000 1.350 1.650 2.750 2.850 1.850 -
Industrial Alliance Annually At maturity yes 200,000 1.350 1.650 2.750 2.850 1.850 -
SBI Canada Bank Annually Annually no 1,000 1.350 1.550 1.650 1.850 2.050 -
Industrial Alliance Not compounded Annually yes 100,000 1.300 1.600 2.700 2.800 1.800 -
Industrial Alliance Annually At maturity yes 100,000 1.300 1.600 2.700 2.800 1.800 -
Libro Credit Union Not compounded Annually no 500 1.300 1.650 1.800 1.950 2.150 -
Empire Life Annually At maturity yes 50,000 1.275 1.525 1.625 1.725 2.225 1.775
ATB Financial Semi-annually At maturity no 500 1.250 1.750 1.900 1.950 2.250 -
Industrial Alliance Not compounded Annually yes 25,000 1.250 1.550 2.650 2.750 1.750 -
Industrial Alliance Annually At maturity yes 25,000 1.250 1.550 2.650 2.750 1.750 -
Meridian Credit Union Annually At maturity no 500 1.250 1.350 1.550 1.750 2.000 -
PACE Savings & Credit Un Annually At maturity no 1,000 1.250 1.350 1.550 1.750 2.000 -
Rapport Credit Union Annually At maturity no 40,000 1.250 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 -
Coast Capital Savings Annually At maturity no 1,000 1.200 1.300 1.750 1.600 2.000 -
Equitable Life Annually At maturity yes 50,000 1.200 1.950 2.000 2.050 2.150 -
Equitable Life Annually At maturity yes 25,000 1.200 1.950 2.000 2.050 2.150 -
Equitable Life Annually At maturity yes 500 1.200 1.950 2.000 2.050 2.150 -
Zag Bank Not compounded Annually no 250 1.200 1.300 1.500 1.600 2.000 -
Alterna Savings Annually Annually no 500 1.150 1.300 1.400 1.500 1.700 -
Empire Life Annually At maturity yes 500 1.150 1.400 1.500 1.600 2.100 1.650
Canada Life Annually At maturity yes 25,000 1.100 1.100 1.300 1.450 1.550 1.600
Canada Life Annually At maturity yes 75,000 1.100 1.100 1.300 1.450 1.550 1.600
Canada Life Annually At maturity yes 1,000 1.100 1.100 1.300 1.450 1.550 1.600
Great-West Life Not compounded Annually no 500 1.100 1.100 1.300 1.450 1.550 1.600
Great-West Life Not compounded Annually no 25,000 1.100 1.100 1.300 1.450 1.550 1.600
Great-West Life Not compounded Annually no 50,000 1.100 1.100 1.300 1.450 1.550 1.600
Great-West Life Annually At maturity no 500 1.100 1.100 1.300 1.450 1.550 1.600
Great-West Life Annually At maturity no 25,000 1.100 1.100 1.300 1.450 1.550 1.600
Great-West Life Annually At maturity no 50,000 1.100 1.100 1.300 1.450 1.550 1.600
Great-West Life Not compounded Annually yes 500 1.100 1.100 1.300 1.450 1.550 1.600
Great-West Life Not compounded Annually yes 25,000 1.100 1.100 1.300 1.450 1.550 1.600
Great-West Life Not compounded Annually yes 50,000 1.100 1.100 1.300 1.450 1.550 1.600
Great-West Life Annually At maturity yes 500 1.100 1.100 1.300 1.450 1.550 1.600
Great-West Life Annually At maturity yes 25,000 1.100 1.100 1.300 1.450 1.550 1.600
Great-West Life Annually At maturity yes 50,000 1.100 1.100 1.300 1.450 1.550 1.600
Industrial Alliance Annually At maturity yes 1,000 1.100 1.400 2.500 2.600 1.600 -
Industrial Alliance Not compounded Annually yes 1,000 1.100 1.400 2.500 2.600 1.600 -
London Life Annually At maturity yes 50,000 1.100 1.100 1.300 1.450 1.550 -
London Life Annually At maturity yes 1,000 1.100 1.100 1.300 1.450 1.550 -
Great-West Life Not compounded Monthly no 500 1.000 1.000 1.200 1.350 1.450 1.500
Great-West Life Not compounded Monthly no 25,000 1.000 1.000 1.200 1.350 1.450 1.500
Great-West Life Not compounded Monthly no 50,000 1.000 1.000 1.200 1.350 1.450 1.500
Great-West Life Not compounded Monthly yes 500 1.000 1.000 1.200 1.350 1.450 1.500
Great-West Life Not compounded Monthly yes 25,000 1.000 1.000 1.200 1.350 1.450 1.500
Great-West Life Not compounded Monthly yes 50,000 1.000 1.000 1.200 1.350 1.450 1.500
HSBC Bank Canada Annually At maturity no 500 1.000 1.250 1.350 1.500 1.600 -
HSBC Bank Canada Annually At maturity no 50,000 1.000 1.250 1.350 1.500 1.600 -
Manulife Investments Annually At maturity no 2,500 1.000 1.250 1.550 1.700 1.800 1.850
Rapport Credit Union Annually At maturity no 10,000 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 -
Rapport Credit Union Annually At maturity no 5,000 1.000 1.100 1.150 1.200 1.700 -
TD Canada Trust Not compounded Annually no 500 1.000 1.250 1.350 1.500 1.600 -
TD Canada Trust Annually At maturity no 500 1.000 1.250 1.350 1.500 1.600 -
Desjardins - Caisses Annually At maturity no 500 0.900 1.100 1.150 1.300 1.550 -
Desjardins - Fiducie Annually At maturity no 500 0.900 1.100 1.150 1.300 1.550 -
Laurentian Bank Canada Not compounded At maturity no 500 0.900 0.900 - - - -
National Bank Annually At maturity no 500 0.900 1.100 1.150 1.300 1.600 -
Royal Bank of Canada Annually At maturity no 500 0.900 1.250 1.350 1.500 1.600 -
Royal Bank of Canada Not compounded Annually no 500 0.900 1.250 1.350 1.500 1.600 -
BMO Bank of Montreal Not compounded Annually no 1,000,000 0.850 1.050 1.150 1.250 1.500 1.500
BMO Bank of Montreal Annually At maturity no 1,000,000 0.850 1.050 1.150 1.250 1.500 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 -
Alterna Savings Not compounded Annually yes 500 0.750 - - - - -
Manulife Investments Annually At maturity yes 2,500 0.750 1.000 1.300 1.450 1.550 1.600
Laurentian Bank Canada Not compounded Quarterly no 500 0.650 0.850 0.900 1.050 1.350 1.350
Laurentian Bank Canada Not compounded Semi-annually no 500 0.650 0.850 0.900 1.050 1.350 1.350
Laurentian Bank Canada Not compounded At maturity yes 500 0.650 0.650 - - - -
National Bank Annually At maturity yes 500 0.650 0.800 0.850 0.900 1.150 -
Royal Bank of Canada Semi-annually At maturity yes 500 0.650 1.000 1.100 1.250 1.350 -
BMO Bank of Montreal Annually At maturity yes 1,000,000 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 -
Laurentian Bank Canada Not compounded Monthly no 500 0.550 0.600 0.650 0.800 1.100 1.100
CIBC Not compounded Annually cashable 500 0.450 - - - - -
ATB Financial Annually At maturity yes 500 0.350 0.350 0.350 0.350 0.350 -
CIBC Annually At maturity yes 500 0.300 0.400 0.600 - - -
Laurentian Bank Canada Not compounded Monthly yes 500 0.300 0.250 0.400 0.550 0.750 -
Laurentian Bank Canada Not compounded Semi-annually yes 500 0.300 0.500 0.650 0.800 1.000 -
ATB Financial Semi-annually At maturity yes 500 0.100 0.100 0.100 0.100 0.100 -
Hubert Financial Annually At maturity no 1,000 - 2.400 2.450 2.700 3.000 -
Laurentian Bank Canada Not compounded Annually yes 500 - 0.800 0.900 1.050 1.250 -
Laurentian Bank Canada Not compounded Annually no 500 - 1.100 1.150 1.300 1.600 1.600
Laurentian Bank Canada Annually Annually yes 500 - 0.800 0.900 1.050 1.250 -
Laurentian Bank Canada Annually Annually no 500 - 1.100 1.150 1.300 1.600 1.600

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 December 13, 2017

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

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