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Savings Rates | GIC/GIA: 1 to 6 years (Non-Registered)
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| Financial Institution | Compound Frequency | Payment Frequency | Redeemable | Minimum Deposit | Term in Years | |||||
| 1 | 2 | 3 | 4 | 5 | 6 | |||||
| Effort Trust | Not compounded | Monthly | no | 5,000 | 1.500 | 1.650 | 1.800 | 1.950 | 2.100 | - |
|---|---|---|---|---|---|---|---|---|---|---|
| HomEquity Bank | Annually | At maturity | no | 5,000 | 1.500 | 1.650 | 1.800 | 2.000 | 2.250 | - |
| HomEquity Bank | Not compounded | Annually | no | 5,000 | 1.500 | 1.650 | 1.800 | 2.000 | 2.250 | - |
| Meridian Credit Union | Annually | At maturity | no | 500 | 1.500 | 1.600 | 1.800 | 1.900 | 2.250 | - |
| Sun Life - Trust | Not compounded | Annually | no | 1,000 | 1.500 | 1.650 | 1.650 | 2.000 | 2.200 | - |
| Sun Life - Trust | Annually | At maturity | no | 1,000 | 1.500 | 1.650 | 1.650 | 2.000 | 2.200 | - |
| Your Neighbourhood C.U. | Annually | At maturity | no | 100,000 | 1.500 | 1.750 | 1.900 | 2.100 | 2.300 | - |
| Your Neighbourhood C.U. | Not compounded | Annually | no | 100,000 | 1.500 | 1.750 | 1.900 | 2.100 | 2.300 | - |
| AGF Trust | Not compounded | Annually | no | 5,000 | 1.450 | 1.750 | 1.850 | 2.050 | 2.200 | - |
| AGF Trust | Annually | At maturity | no | 5,000 | 1.450 | 1.750 | 1.850 | 2.050 | 2.200 | - |
| Alterna Bank | Not compounded | Annually | no | 500 | 1.450 | 1.750 | 1.950 | 2.000 | 2.300 | - |
| Alterna Savings | Not compounded | Annually | no | 500 | 1.450 | 1.750 | 1.950 | 2.000 | 2.300 | - |
| B2B Bank | Not compounded | Annually | no | 1,000 | 1.450 | 1.750 | 1.850 | 2.050 | 2.200 | - |
| B2B Bank | Annually | At maturity | no | 1,000 | 1.450 | 1.750 | 1.850 | 2.050 | 2.200 | - |
| B2B Bank | Not compounded | At maturity | no | 25,000 | 1.450 | - | - | - | - | - |
| B2B Bank | Not compounded | At maturity | no | 1,000 | 1.450 | - | - | - | - | - |
| B2B Bank | Not compounded | At maturity | no | 5,000 | 1.450 | - | - | - | - | - |
| Canadian Direct Fin'l | Annually | At maturity | no | 1,000 | 1.450 | 1.700 | 1.850 | 2.000 | 2.200 | - |
| Canadian Direct Fin'l | Not compounded | Annually | no | 100,000 | 1.450 | 1.700 | 1.850 | 2.000 | 2.200 | - |
| Canadian Direct Fin'l | Not compounded | Annually | no | 1,000 | 1.450 | 1.700 | 1.850 | 2.000 | 2.200 | - |
| Canadian Direct Fin'l | Annually | At maturity | no | 100,000 | 1.450 | 1.700 | 1.850 | 2.000 | 2.200 | - |
| Canadian Western Bank | Not compounded | Annually | no | 1,000 | 1.450 | 1.700 | 1.850 | 2.000 | 2.200 | - |
| Canadian Western Bank | Annually | At maturity | no | 1,000 | 1.450 | 1.700 | 1.850 | 2.000 | 2.200 | - |
| Community Trust | Annually | At maturity | no | 5,000 | 1.450 | 1.650 | 1.750 | 1.850 | 2.000 | - |
| Community Trust | Not compounded | Annually | no | 5,000 | 1.450 | 1.650 | 1.750 | 1.850 | 2.000 | - |
| Korea Exchange Bank | Annually | At maturity | no | 3,500 | 1.450 | 1.800 | 1.950 | 2.100 | 2.250 | - |
| Korea Exchange Bank | Not compounded | Annually | no | 3,500 | 1.450 | 1.800 | 1.950 | 2.100 | 2.250 | - |
| Pacific & Western Bank | Annually | At maturity | no | 1,000 | 1.450 | 1.700 | 1.800 | 2.050 | 2.200 | - |
| Pacific & Western Bank | Not compounded | Annually | no | 1,000 | 1.450 | 1.700 | 1.800 | 2.050 | 2.200 | - |
| Peace Hills Trust | Not compounded | Annually | no | 1,000 | 1.450 | 1.750 | 1.900 | 2.050 | 2.200 | - |
| Peace Hills Trust | Annually | At maturity | no | 1,000 | 1.450 | 1.750 | 1.900 | 2.050 | 2.200 | - |
| Your Neighbourhood C.U. | Annually | At maturity | no | 20,000 | 1.450 | 1.700 | 1.850 | 2.050 | 2.250 | - |
| Your Neighbourhood C.U. | Not compounded | Annually | no | 20,000 | 1.450 | 1.700 | 1.850 | 2.050 | 2.250 | - |
| Alterna Bank | Not compounded | Monthly | no | 500 | 1.440 | 1.740 | 1.930 | 1.980 | 2.280 | - |
| Alterna Savings | Not compounded | Monthly | no | 500 | 1.440 | 1.740 | 1.930 | 1.980 | 2.280 | - |
| Equitable Trust | Not compounded | Annually | no | 5,000 | 1.400 | 1.700 | 1.800 | 2.160 | 2.260 | - |
| Equitable Trust | Annually | At maturity | no | 5,000 | 1.400 | 1.700 | 1.800 | 2.160 | 2.260 | - |
| Home Trust Company | Not compounded | Annually | cashable | 5,000 | 1.400 | - | - | - | - | - |
| Manulife Bank | Annually | At maturity | no | 2,500 | 1.400 | 1.650 | 1.750 | 2.000 | 2.200 | - |
| Manulife Bank | Not compounded | Annually | no | 2,500 | 1.400 | 1.650 | 1.750 | 2.000 | 2.200 | - |
| Manulife Trust | Annually | At maturity | no | 2,500 | 1.400 | 1.650 | 1.750 | 2.000 | 2.200 | - |
| Manulife Trust | Not compounded | Annually | no | 2,500 | 1.400 | 1.650 | 1.750 | 2.000 | 2.200 | - |
| Peoples Trust | Not compounded | Monthly | no | 5,000 | 1.400 | 1.550 | 1.550 | 1.750 | 1.800 | - |
| Peoples Trust | Not compounded | Semi-annually | no | 5,000 | 1.400 | 1.550 | 1.550 | 1.750 | 1.800 | - |
| Peoples Trust | Not compounded | Quarterly | no | 5,000 | 1.400 | 1.550 | 1.550 | 1.750 | 1.800 | - |
| Teachers Credit Union | Not compounded | Annually | no | 500 | 1.400 | 1.650 | 1.800 | 2.200 | 2.500 | - |
| Your Neighbourhood C.U. | Annually | At maturity | no | 500 | 1.400 | 1.650 | 1.800 | 2.000 | 2.200 | - |
| Your Neighbourhood C.U. | Not compounded | Annually | no | 500 | 1.400 | 1.650 | 1.800 | 2.000 | 2.200 | - |
| MonCana Bank of Canada | Annually | Semi-annually | no | 1,000 | 1.375 | 1.475 | 1.575 | 1.875 | 2.025 | - |
| Empire Life | Annually | At maturity | yes | 100,000 | 1.350 | 1.600 | 1.725 | 1.850 | 2.100 | 2.100 |
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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 May 22, 2013
This information is current as of the date and time posted and is subject to change without notice.
© Copyright 2007 CANNEX Financial Exchanges Limited. All rights reserved.