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
Oaken Financial Annually At maturity no 1,000 2.750 3.100 3.150 3.200 3.250 -
Resurrection Credit Un. Annually At maturity no 1,000 2.750 2.000 2.150 2.250 2.550 -
Community Trust Annually At maturity no 50,000 2.500 2.900 2.950 2.950 3.200 -
Motive Financial Annually At maturity no 500 2.500 2.890 3.120 3.150 3.350 -
Hubert Financial Annually At maturity no 1,000 2.450 2.750 2.750 3.250 3.150 -
AcceleRate Financial Annually At maturity no 500 2.400 2.600 2.750 2.900 3.100 3.100
Achieva Financial Annually At maturity no 1,000 2.400 2.600 2.750 2.900 3.100 -
Community Trust Annually At maturity no 1,000 2.400 2.800 2.850 2.850 3.100 -
Effort Trust Company Annually At maturity no 1,000 2.400 2.650 2.650 2.650 2.650 -
MAXA Financial Not compounded Annually no 500 2.400 2.600 2.750 2.900 3.100 -
MCAN Mortgage Corp. Annually At maturity no 100,000 2.400 2.750 2.900 2.950 3.150 -
MCAN Mortgage Corp. Annually At maturity no 25,000 2.400 2.750 2.900 2.950 3.150 -
MCAN Mortgage Corp. Not compounded Annually no 100,000 2.400 2.750 2.900 2.950 3.150 -
MCAN Mortgage Corp. Not compounded Annually no 25,000 2.400 2.750 2.900 2.950 3.150 -
Outlook Financial Not compounded Annually yes 1,000 2.400 2.600 2.750 2.900 3.100 -
Outlook Financial Annually At maturity yes 1,000 2.400 2.600 2.750 2.900 3.100 -
Peoples Trust Annually At maturity no 1,000 2.400 2.650 2.750 2.850 3.050 -
Home Bank - Agent Annually At maturity no 1,000 2.360 2.730 2.970 3.010 3.200 -
Home Trust Company-Agent Annually At maturity no 1,000 2.310 2.680 2.920 2.960 3.150 -
Canadian Western Bank Annually At maturity no 500 2.300 2.690 2.920 2.950 3.150 -
Entegra Credit Union Annually At maturity no 1,000 2.300 2.500 2.650 2.800 3.000 -
Entegra Credit Union Not compounded Annually no 1,000 2.300 2.500 2.650 2.800 3.000 -
Luminus Financial Annually At maturity no 500 2.300 2.450 2.300 2.350 2.400 -
MCAN Mortgage Corp. Not compounded Annually no 5,000 2.300 2.650 2.800 2.850 3.050 -
MCAN Mortgage Corp. Annually At maturity no 5,000 2.300 2.650 2.800 2.850 3.050 -
Steinbach Credit Union Annually At maturity no 500 2.300 2.500 2.650 2.800 3.000 -
Tangerine Annually At maturity no 1 2.300 2.500 2.600 2.650 3.000 -
B2B Bank Annually At maturity no 1,000 2.250 2.640 2.800 2.850 3.120 -
Outlook Financial Not compounded Monthly yes 1,000 2.250 2.450 2.600 2.750 2.950 -
Canadian Western Trust Annually At maturity no 5,000 2.200 2.620 2.850 2.900 3.080 -
ATB Financial Annually At maturity no 500 2.100 2.400 2.600 2.750 2.800 -
VersaBank (Pac&WestBank) Annually At maturity no 1,000 2.060 2.360 2.610 2.780 2.860 -
Comtech Credit Union Annually At maturity no 1,000 2.050 2.200 2.380 2.520 2.750 -
Comtech Credit Union Annually At maturity no 200,000 2.050 2.200 2.380 2.520 2.750 -
Comtech Credit Union Annually At maturity no 100,000 2.050 2.200 2.380 2.520 2.750 -
Comtech Credit Union Annually At maturity no 50,000 2.050 2.200 2.380 2.520 2.750 -
First Calgary Financial Annually At maturity no 500 2.050 2.250 2.350 2.450 2.750 -
FirstOntario Credit Un. Annually At maturity no 500 2.000 1.900 2.000 2.250 2.500 -
Meridian Credit Union Annually At maturity no 500 2.000 2.150 2.200 2.350 2.600 -
Parama Credit Union Annually At maturity no 1,000 2.000 3.000 2.200 2.350 2.600 -
Simplii Financial Annually At maturity no 100 2.000 2.200 2.500 2.600 2.750 -
Simplii Financial Not compounded Annually no 100 2.000 2.200 2.500 2.600 2.750 -
Industrial Alliance Annually At maturity yes 200,000 1.950 2.600 2.550 2.100 2.150 -
Industrial Alliance Not compounded Annually yes 200,000 1.950 2.600 2.550 2.100 2.150 -
Sun Life - Trust Annually At maturity no 1,000 1.950 1.900 2.000 2.300 2.600 -
Sun Life - Trust Not compounded Annually no 1,000 1.950 1.900 2.000 2.300 2.600 -
Industrial Alliance Not compounded Annually yes 100,000 1.900 2.550 2.500 2.050 2.100 -
Industrial Alliance Annually At maturity yes 100,000 1.900 2.550 2.500 2.050 2.100 -
Manulife Bank Annually At maturity no 2,500 1.900 2.250 2.550 2.700 2.800 -
Your Neighbourhood C.U. Annually At maturity no 100,000 1.900 2.050 2.200 2.300 2.450 -
Your Neighbourhood C.U. Not compounded Annually no 100,000 1.900 2.050 2.200 2.300 2.450 -
ATB Financial Semi-annually At maturity no 500 1.850 2.150 2.350 2.500 2.550 -
Industrial Alliance Annually At maturity yes 25,000 1.850 2.500 2.450 2.000 2.050 -
Industrial Alliance Not compounded Annually yes 25,000 1.850 2.500 2.450 2.000 2.050 -
Your Neighbourhood C.U. Not compounded Annually no 20,000 1.850 2.000 2.150 2.250 2.400 -
Your Neighbourhood C.U. Annually At maturity no 20,000 1.850 2.000 2.150 2.250 2.400 -
Sun Life - Insurance Annually At maturity yes 1,000 1.800 1.750 1.800 2.150 2.500 -
Sun Life - Insurance Not compounded Annually yes 1,000 1.800 1.750 1.800 2.150 2.500 -
Your Neighbourhood C.U. Not compounded Annually no 1,000 1.800 1.950 2.100 2.200 2.350 -
Your Neighbourhood C.U. Annually At maturity no 1,000 1.800 1.950 2.100 2.200 2.350 -
Manulife Investments Annually At maturity no 2,500 1.750 1.800 1.850 1.850 1.950 1.950
Peace Hills Trust Not compounded Annually no 1,000 1.750 2.250 2.700 2.700 3.000 -
Peace Hills Trust Annually At maturity no 1,000 1.750 2.250 2.700 2.700 3.000 -
Sun Life - Trust Annually At maturity yes 1,000 1.750 1.650 1.650 2.100 2.450 -
Sun Life - Trust Not compounded Annually yes 1,000 1.750 1.650 1.650 2.100 2.450 -
Empire Life Annually At maturity yes 100,000 1.700 2.050 2.200 2.350 2.800 2.300
Industrial Alliance Not compounded Annually yes 1,000 1.700 2.350 2.300 1.850 1.900 -
Industrial Alliance Annually At maturity yes 1,000 1.700 2.350 2.300 1.850 1.900 -
Canada Life Annually At maturity yes 25,000 1.600 1.650 1.850 1.900 1.800 1.850
Canada Life Annually At maturity yes 75,000 1.600 1.650 1.850 1.900 1.800 1.850
Canada Life Annually At maturity yes 1,000 1.600 1.650 1.850 1.900 1.800 1.850
Great-West Life Not compounded Annually no 500 1.600 1.650 1.850 1.900 1.800 1.850
Great-West Life Not compounded Annually no 25,000 1.600 1.650 1.850 1.900 1.800 1.850
Great-West Life Not compounded Annually no 50,000 1.600 1.650 1.850 1.900 1.800 1.850
Great-West Life Annually At maturity no 500 1.600 1.650 1.850 1.900 1.800 1.850
Great-West Life Annually At maturity no 25,000 1.600 1.650 1.850 1.900 1.800 1.850
Great-West Life Annually At maturity no 50,000 1.600 1.650 1.850 1.900 1.800 1.850
Great-West Life Not compounded Annually yes 500 1.600 1.650 1.850 1.900 1.800 1.850
Great-West Life Not compounded Annually yes 25,000 1.600 1.650 1.850 1.900 1.800 1.850
Great-West Life Not compounded Annually yes 50,000 1.600 1.650 1.850 1.900 1.800 1.850
Great-West Life Annually At maturity yes 500 1.600 1.650 1.850 1.900 1.800 1.850
Great-West Life Annually At maturity yes 25,000 1.600 1.650 1.850 1.900 1.800 1.850
Great-West Life Annually At maturity yes 50,000 1.600 1.650 1.850 1.900 1.800 1.850
Kindred Credit Union Annually At maturity no 250,000 1.600 2.000 2.300 2.450 2.500 -
London Life Annually At maturity yes 1,000 1.600 1.650 1.850 1.900 1.800 -
London Life Annually At maturity yes 50,000 1.600 1.650 1.850 1.900 1.800 -
Manulife Investments Annually At maturity yes 2,500 1.600 1.650 1.700 1.700 1.800 1.800
Empire Life Annually At maturity yes 50,000 1.575 1.925 2.075 2.225 2.675 2.175
Equitable Life Annually At maturity yes 50,000 1.550 2.050 2.450 2.450 2.600 -
Equitable Life Annually At maturity yes 25,000 1.550 2.050 2.450 2.450 2.600 -
Equitable Life Annually At maturity yes 500 1.550 2.050 2.450 2.450 2.600 -
Kindred Credit Union Annually At maturity no 500 1.550 1.750 1.950 2.150 2.300 -
Kindred Credit Union Annually At maturity no 25,000 1.550 1.800 2.050 2.250 2.350 -
Kindred Credit Union Annually At maturity no 100,000 1.550 1.950 2.250 2.400 2.450 -
Kindred Credit Union Annually At maturity no 50,000 1.550 1.850 2.150 2.300 2.400 -
Libro Credit Union Not compounded Annually no 500 1.550 1.900 2.000 2.100 2.300 -
Alterna Bank Not compounded Annually no 500 1.500 1.600 1.800 1.800 2.100 -
Great-West Life Not compounded Monthly no 500 1.500 1.550 1.750 1.800 1.700 1.750
Great-West Life Not compounded Monthly no 25,000 1.500 1.550 1.750 1.800 1.700 1.750
Great-West Life Not compounded Monthly no 50,000 1.500 1.550 1.750 1.800 1.700 1.750
Great-West Life Not compounded Monthly yes 500 1.500 1.550 1.750 1.800 1.700 1.750
Great-West Life Not compounded Monthly yes 25,000 1.500 1.550 1.750 1.800 1.700 1.750
Great-West Life Not compounded Monthly yes 50,000 1.500 1.550 1.750 1.800 1.700 1.750
Empire Life Annually At maturity yes 500 1.450 1.800 1.950 2.100 2.550 2.050
Rapport Credit Union Annually At maturity no 100,000 1.400 1.500 1.550 1.900 2.000 -
Rapport Credit Union Annually At maturity no 60,000 1.400 1.500 1.550 1.900 2.000 -
ICICI Bank Canada Annually At maturity yes 1,000 1.350 1.550 1.650 1.850 2.050 -
SBI Canada Bank Annually Annually no 1,000 1.350 1.550 1.650 1.850 2.050 -
Coast Capital Savings Annually At maturity no 1,000 1.300 1.400 1.750 1.800 2.100 -
Alterna Savings Not compounded Annually no 500 1.250 1.400 1.500 1.600 3.100 -
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 -
Zag Bank Not compounded Annually no 250 1.200 2.500 1.500 1.600 2.000 -
Laurentian Bank Canada Not compounded At maturity no 500 1.100 1.100 - - - -
Laurentian Bank Canada Not compounded Monthly no 500 1.100 1.300 1.400 1.450 1.500 1.500
Royal Bank of Canada Annually At maturity no 500 1.100 1.250 1.350 1.500 1.600 -
Royal Bank of Canada Not compounded Annually no 500 1.100 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 -
HSBC Bank Canada Annually At maturity no 500 1.000 1.250 1.350 1.500 1.600 -
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 1.150 1.250 1.400 1.550 -
Desjardins - Fiducie Annually At maturity no 500 0.900 1.150 1.250 1.400 1.550 -
National Bank Annually At maturity no 500 0.900 1.100 1.150 1.300 1.600 -
Alterna Savings Not compounded Annually yes 500 0.850 - - - - -
BMO Bank of Montreal Not compounded Annually no 100,000 0.850 1.050 1.150 1.250 1.500 1.500
BMO Bank of Montreal Not compounded Annually no 100,000 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 -
Royal Bank of Canada Semi-annually At maturity yes 500 0.850 1.000 1.100 1.250 1.350 -
National Bank Annually At maturity yes 500 0.650 0.800 0.850 0.900 1.150 -
BMO Bank of Montreal Annually At maturity yes 100,000 0.600 0.800 0.900 1.000 1.250 -
CIBC Not compounded Annually cashable 500 0.600 - - - - -
CIBC Annually At maturity no 500 0.550 0.650 0.850 1.050 1.250 -
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 - - -
ATB Financial Semi-annually At maturity yes 500 0.100 0.100 0.100 0.100 0.100 -
Laurentian Bank Canada Annually Annually no 500 - 1.300 1.400 1.450 1.500 1.500
Laurentian Bank Canada Not compounded Annually no 500 - 1.300 1.400 1.450 1.500 1.500

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, 2018

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

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