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 Not compounded Annually no 100 1.400 1.650 1.900 2.200 2.500 -
President's Choice Fin'l Annually At maturity no 100 1.400 1.650 1.900 2.200 2.500 -
Tangerine Annually At maturity yes 1 1.350 1.650 1.900 2.200 2.550 -
ATB Financial Annually At maturity no 500 1.470 1.600 1.750 2.000 2.200 -
Meridian Credit Union Annually At maturity no 500 1.500 1.600 1.900 2.300 2.480 -
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 -
Peoples Trust Annually At maturity no 5,000 1.450 1.600 1.850 2.100 2.300 -
Empire Life Annually At maturity yes 100,000 1.350 1.550 1.750 2.050 2.350 2.350
Royal Bank of Canada Not compounded Annually no 500 1.300 1.550 1.750 1.600 2.200 -
Royal Bank of Canada Annually At maturity no 500 1.300 1.550 1.750 1.600 2.200 -
Equitable Life Annually At maturity yes 50,000 1.325 1.525 1.725 1.975 2.225 -
PACE Savings & Credit Un Annually At maturity no 1,000 1.200 1.500 1.600 1.750 2.100 -
Manulife Investments Annually At maturity no 2,500 1.200 1.450 1.650 1.900 2.200 2.200
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 -
Empire Life Annually At maturity yes 50,000 1.225 1.425 1.625 1.925 2.225 2.225
Canadian Western Trust Annually At maturity no 5,000 1.250 1.400 1.600 1.850 2.200 -
Equitable Life Annually At maturity yes 500 1.200 1.400 1.600 1.850 2.100 -
Equitable Life Annually At maturity yes 25,000 1.200 1.400 1.600 1.850 2.100 -
ATB Financial Semi-annually At maturity no 500 1.220 1.350 1.500 1.750 1.950 -
Industrial Alliance Annually At maturity yes 200,000 1.150 1.350 1.600 1.850 2.200 -
Industrial Alliance Not compounded Annually yes 200,000 1.150 1.350 1.600 1.850 2.200 -
Servus Credit Union Annually At maturity no 500 1.300 1.350 1.400 1.600 2.100 -
Standard Life Annually At maturity yes 1,000 1.150 1.350 1.550 1.750 1.950 2.075
Standard Life Annually At maturity yes 25,000 1.150 1.350 1.550 1.750 1.950 2.075
Standard Life Annually At maturity yes 50,000 1.150 1.350 1.550 1.750 1.950 2.075
Standard Life Annually At maturity yes 100,000 1.150 1.350 1.550 1.750 1.950 2.075
Standard Life Annually At maturity yes 500,000 1.150 1.350 1.550 1.750 1.950 2.075
Standard Life Annually At maturity yes 250,000 1.150 1.350 1.550 1.750 1.950 2.075
TD Canada Trust Not compounded Annually no 500 1.300 1.350 1.400 1.600 2.200 -
TD Canada Trust Annually At maturity no 500 1.300 1.350 1.400 1.600 2.200 -
Concentra Financial Annually At maturity no 1,000 1.200 1.300 1.500 1.600 2.250 -
Empire Life Annually At maturity yes 500 1.100 1.300 1.500 1.800 2.100 2.100
Industrial Alliance Not compounded Annually yes 100,000 1.100 1.300 1.550 1.800 2.150 -
Industrial Alliance Annually At maturity yes 100,000 1.100 1.300 1.550 1.800 2.150 -
Royal Bank of Canada Semi-annually At maturity yes 500 1.050 1.300 1.500 1.350 1.950 -
Sun Life - Trust Not compounded Annually no 1,000 1.150 1.300 1.700 2.100 2.450 -
Sun Life - Trust Annually At maturity no 1,000 1.150 1.300 1.700 2.100 2.450 -
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 25,000 1.050 1.250 1.500 1.750 2.100 -
Industrial Alliance Annually At maturity yes 25,000 1.050 1.250 1.500 1.750 2.100 -
Manulife Investments Annually At maturity yes 2,500 0.950 1.200 1.400 1.650 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
BMO Bank of Montreal Annually At maturity no 500 1.000 1.150 1.350 1.600 1.950 1.950
Caisses Desjardins Annually At maturity no 500 0.900 1.150 1.250 1.500 1.750 -
Caisses 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 -
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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 April 21, 2014

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

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