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

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Sorted by: 2 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
President's Choice Fin'l Annually At maturity no 100 1.400 1.650 1.900 2.200 2.500 -
Royal Bank of Canada Not compounded Annually no 500 1.300 1.650 1.700 1.750 2.000 -
Royal Bank of Canada Annually At maturity no 500 1.300 1.650 1.700 1.750 2.000 -
Tangerine Annually At maturity yes 1 1.350 1.650 1.900 2.200 2.550 -
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 -
Manulife Bank Annually At maturity no 2,500 1.400 1.600 1.900 2.100 2.300 -
Meridian Credit Union Annually At maturity no 500 1.500 1.600 1.900 2.200 2.300 -
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 100,000 1.350 1.600 1.750 1.900 2.200 -
Ontario Civil Service CU Annually At maturity no 60,000 1.350 1.600 1.750 1.900 2.200 -
ATB Financial Semi-annually At maturity no 500 1.380 1.550 1.500 1.750 1.950 -
Concentra Financial Annually At maturity no 1,000 1.250 1.450 1.700 1.900 2.000 -
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 20,000 1.300 1.450 1.500 1.750 2.050 -
Sun Life - Trust Annually At maturity no 1,000 1.300 1.450 1.700 2.050 2.400 -
Sun Life - Trust Not compounded Annually no 1,000 1.300 1.450 1.700 2.050 2.400 -
Canadian Western Trust Annually At maturity no 5,000 1.250 1.400 1.600 1.850 2.100 -
Equitable Life Annually At maturity yes 500 0.850 1.400 1.500 1.750 2.000 -
Equitable Life Annually At maturity yes 50,000 0.850 1.400 1.500 1.750 2.000 -
Equitable Life Annually At maturity yes 25,000 0.850 1.400 1.500 1.750 2.000 -
Royal Bank of Canada Semi-annually At maturity yes 500 1.050 1.400 1.450 1.500 1.750 -
Empire Life Annually At maturity yes 100,000 1.250 1.350 1.500 1.750 2.000 2.000
Manulife Investments Annually At maturity no 2,500 0.950 1.350 1.400 1.550 1.650 1.700
Servus Credit Union Annually At maturity no 500 1.300 1.350 1.400 1.600 2.000 -
TD Canada Trust Not compounded Annually no 500 1.300 1.350 1.400 1.600 2.000 -
TD Canada Trust Annually At maturity no 500 1.300 1.350 1.400 1.600 2.000 -
PACE Savings & Credit Un Annually At maturity no 1,000 1.200 1.300 1.600 1.750 2.100 -
Standard Life Annually At maturity yes 1,000 1.125 1.275 1.400 1.475 1.550 1.625
Standard Life Annually At maturity yes 500,000 1.125 1.275 1.400 1.475 1.550 1.625
Standard Life Annually At maturity yes 250,000 1.125 1.275 1.400 1.475 1.550 1.625
Standard Life Annually At maturity yes 100,000 1.125 1.275 1.400 1.475 1.550 1.625
Standard Life Annually At maturity yes 50,000 1.125 1.275 1.400 1.475 1.550 1.625
Standard Life Annually At maturity yes 25,000 1.125 1.275 1.400 1.475 1.550 1.625
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 -
Industrial Alliance Not compounded Annually yes 200,000 1.100 1.250 1.400 1.650 1.950 -
Industrial Alliance Annually At maturity yes 200,000 1.100 1.250 1.400 1.650 1.950 -
Empire Life Annually At maturity yes 50,000 1.125 1.225 1.375 1.625 1.875 1.875
Industrial Alliance Not compounded Annually yes 100,000 1.050 1.200 1.350 1.600 1.900 -
Industrial Alliance Annually At maturity yes 100,000 1.050 1.200 1.350 1.600 1.900 -
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 Not compounded Annually no 500 1.000 1.150 1.350 1.600 1.950 1.950
Caisses Desjardins Not compounded Annually no 1,000 0.900 1.150 1.250 1.500 1.750 -
Caisses Desjardins Annually At maturity no 500 0.900 1.150 1.250 1.500 1.750 -
Fiducie Desjardins Not compounded Annually no 1,000 0.900 1.150 1.250 1.500 1.750 -
Fiducie Desjardins Annually At maturity no 1,000 - 1.150 1.250 1.500 1.750 -
Industrial Alliance Not compounded Annually yes 25,000 1.000 1.150 1.300 1.550 1.850 -
Industrial Alliance Annually At maturity yes 25,000 1.000 1.150 1.300 1.550 1.850 -
National Bank Annually At maturity no 500 0.900 1.150 1.250 1.500 1.750 -
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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 October 25, 2014

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

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