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
Industrial Alliance Not compounded Annually yes 25,000 0.650 1.450 1.500 1.600 1.750 -
Industrial Alliance Annually At maturity yes 25,000 0.650 1.450 1.500 1.600 1.750 -
Manulife Bank Annually At maturity no 2,500 1.250 1.450 1.650 1.800 2.050 -
State Bank of India (C) Annually Annually no 1,000 1.300 1.400 1.600 1.800 2.000 -
Meridian Credit Union Annually At maturity no 500 1.250 1.350 1.550 1.750 2.000 -
President's Choice Fin'l Not compounded Annually no 100 1.200 1.350 1.500 1.600 1.900 -
President's Choice Fin'l Annually At maturity no 100 1.200 1.350 1.500 1.600 1.900 -
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 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 -
Tangerine Annually At maturity yes 1 1.200 1.350 1.500 1.600 1.900 -
Coast Capital Savings Annually At maturity no 1,000 1.200 1.300 1.500 1.600 1.850 -
Industrial Alliance Annually At maturity yes 1,000 0.500 1.300 1.350 1.450 1.600 -
Industrial Alliance Not compounded Annually yes 1,000 0.500 1.300 1.350 1.450 1.600 -
ATB Financial Annually At maturity no 500 1.100 1.250 1.300 1.400 1.600 -
Empire Life Annually At maturity yes 100,000 1.000 1.250 1.350 1.550 1.850 1.850
Sun Life - Trust Annually At maturity no 1,000 1.050 1.250 1.550 1.700 1.950 -
Sun Life - Trust Not compounded Annually no 1,000 1.050 1.250 1.550 1.700 1.950 -
Alterna Bank Annually At maturity no 500 1.000 1.200 1.200 1.350 1.550 -
Alterna Savings Annually At maturity no 500 1.000 1.200 1.200 1.350 1.550 -
PACE Savings & Credit Un Annually At maturity no 1,000 1.000 1.200 1.400 1.500 1.600 -
Equitable Life Annually At maturity yes 50,000 0.700 1.150 1.300 1.300 1.450 -
Equitable Life Annually At maturity yes 500 0.700 1.150 1.300 1.300 1.450 -
Equitable Life Annually At maturity yes 25,000 0.700 1.150 1.300 1.300 1.450 -
Empire Life Annually At maturity yes 50,000 0.875 1.125 1.225 1.425 1.725 1.725
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 -
First Calgary Financial Annually At maturity no 500 0.900 1.100 1.150 1.300 2.000 -
National Bank Annually At maturity no 500 0.900 1.100 1.200 1.350 1.500 -
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 1,000 1.000 1.100 1.150 1.200 1.700 -
BMO Bank of Montreal Not compounded Annually no 1,000 0.850 1.050 1.150 1.250 1.500 1.500
BMO Bank of Montreal Annually At maturity no 1,000 0.850 1.050 1.150 1.250 1.500 1.500
ATB Financial Semi-annually At maturity no 500 0.850 1.000 1.050 1.150 1.350 -
Caisses Desjardins Not compounded Annually no 1,000 0.850 1.000 1.050 1.200 1.500 -
Caisses Desjardins Annually At maturity no 500 0.850 1.000 1.050 1.200 1.500 -
Concentra Financial Annually At maturity no 1,000 0.900 1.000 1.100 1.200 1.500 -
Empire Life Annually At maturity yes 500 0.750 1.000 1.100 1.300 1.600 1.600
Fiducie Desjardins Not compounded Annually no 1,000 0.850 1.000 1.050 1.200 1.500 -
Fiducie Desjardins Annually At maturity no 1,000 - 1.000 1.050 1.200 1.500 -
Laurentian Bank Canada Not compounded Annually no 500 - 1.000 1.150 1.300 1.500 1.500
Laurentian Bank Canada Annually Annually no 500 - 1.000 1.150 1.300 1.500 1.500
Royal Bank of Canada Annually At maturity no 500 0.900 1.000 1.050 1.200 1.500 -
Royal Bank of Canada Not compounded Annually no 500 0.900 1.000 1.050 1.200 1.500 -
Caisses Desjardins Not compounded Semi-annually no 500 0.800 0.950 1.000 1.150 1.450 -
Caisses Desjardins Not compounded Monthly no 500 0.800 0.950 1.000 1.150 1.450 -
WFCU Credit Union Annually At maturity no 500 0.850 0.950 1.050 1.150 1.400 -
HSBC Bank Canada Annually At maturity no 500 0.850 0.900 1.050 1.200 1.450 -
HSBC Bank Canada Annually At maturity no 50,000 0.850 0.900 1.050 1.200 1.450 -
TD Canada Trust Not compounded Annually no 500 0.850 0.900 1.000 1.050 1.500 -
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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 February 08, 2016

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

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