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

Sorted by: 3 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 2.250 2.600 2.850 3.000 3.150 -
Motive Financial Annually At maturity no 500 2.180 2.560 2.770 2.800 3.060 -
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 -
Industrial Alliance Annually At maturity yes 200,000 1.650 2.250 2.750 2.950 1.900 -
Industrial Alliance Not compounded Annually yes 200,000 1.650 2.250 2.750 2.950 1.900 -
Outlook Financial Annually At maturity yes 1,000 2.400 2.600 2.750 2.900 3.100 -
Outlook Financial Not compounded Annually yes 1,000 2.400 2.600 2.750 2.900 3.100 -
Industrial Alliance Not compounded Annually yes 100,000 1.600 2.200 2.700 2.900 1.850 -
Industrial Alliance Annually At maturity yes 100,000 1.600 2.200 2.700 2.900 1.850 -
Entegra Credit Union Not compounded Annually no 1,000 2.300 2.500 2.650 2.800 3.000 -
Entegra Credit Union Annually At maturity no 1,000 2.300 2.500 2.650 2.800 3.000 -
Industrial Alliance Not compounded Annually yes 25,000 1.550 2.150 2.650 2.850 1.800 -
Industrial Alliance Annually At maturity yes 25,000 1.550 2.150 2.650 2.850 1.800 -
MAXA Financial Not compounded Annually no 500 2.300 2.500 2.650 2.800 2.950 -
Steinbach Credit Union Annually At maturity no 500 2.300 2.500 2.650 2.800 3.000 -
Home Bank - Agent Annually At maturity no 1,000 2.050 2.400 2.600 2.650 2.850 -
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 1.970 2.340 2.580 2.600 2.830 -
Canadian Western Bank Annually At maturity no 500 1.980 2.360 2.570 2.600 2.860 -
Home Trust Company-Agent Annually At maturity no 1,000 2.000 2.340 2.550 2.610 2.820 -
MCAN Mortgage Corp. Not compounded Annually no 100,000 1.700 2.200 2.550 2.650 2.800 -
MCAN Mortgage Corp. Annually At maturity no 100,000 1.700 2.200 2.550 2.650 2.800 -
MCAN Mortgage Corp. Annually At maturity no 25,000 1.700 2.200 2.550 2.650 2.800 -
MCAN Mortgage Corp. Not compounded Annually no 25,000 1.700 2.200 2.550 2.650 2.800 -
VersaBank (Pac&WestBank) Annually At maturity no 1,000 1.960 2.330 2.540 2.580 2.710 -
B2B Bank Annually At maturity no 1,000 1.950 2.310 2.520 2.550 2.810 -
Community Trust Annually At maturity no 50,000 1.700 2.400 2.500 2.600 2.700 -
Industrial Alliance Annually At maturity yes 1,000 1.400 2.000 2.500 2.700 1.650 -
Industrial Alliance Not compounded Annually yes 1,000 1.400 2.000 2.500 2.700 1.650 -
Hubert Financial Annually At maturity no 1,000 2.250 2.400 2.450 2.700 3.000 -
MCAN Mortgage Corp. Annually At maturity no 5,000 1.600 2.100 2.450 2.550 2.700 -
MCAN Mortgage Corp. Not compounded Annually no 5,000 1.600 2.100 2.450 2.550 2.700 -
Community Trust Annually At maturity no 1,000 1.600 2.300 2.400 2.500 2.600 -
Manulife Bank Annually At maturity no 2,500 2.000 2.150 2.350 2.550 2.800 -
Peace Hills Trust Not compounded Annually no 1,000 1.700 2.150 2.350 2.450 2.700 -
Peace Hills Trust Annually At maturity no 1,000 1.700 2.150 2.350 2.450 2.700 -
Effort Trust Company Annually At maturity no 1,000 2.100 2.300 2.300 2.350 2.400 -
Luminus Financial Annually At maturity no 500 2.300 2.250 2.300 2.350 2.400 -
Tangerine Annually At maturity no 1 2.000 2.150 2.300 2.400 2.600 -
ATB Financial Annually At maturity no 500 1.500 2.010 2.250 2.300 2.500 -
Comtech Credit Union Annually At maturity no 200,000 1.900 2.100 2.250 2.400 2.750 -
Comtech Credit Union Annually At maturity no 100,000 1.900 2.100 2.250 2.400 2.750 -
Comtech Credit Union Annually At maturity no 50,000 1.900 2.100 2.250 2.400 2.750 -
Peoples Trust Annually At maturity no 1,000 2.050 2.150 2.250 2.350 2.500 -
First Calgary Financial Annually At maturity no 500 1.700 2.000 2.150 2.250 2.500 -
Kindred Credit Union Annually At maturity no 250,000 1.450 1.850 2.150 2.250 2.300 -
Equitable Life Annually At maturity yes 500 1.450 2.000 2.100 2.200 2.400 -
Equitable Life Annually At maturity yes 25,000 1.450 2.000 2.100 2.200 2.400 -
Equitable Life Annually At maturity yes 50,000 1.450 2.000 2.100 2.200 2.400 -
Kindred Credit Union Annually At maturity no 100,000 1.400 1.800 2.100 2.200 2.250 -
ATB Financial Semi-annually At maturity no 500 1.250 1.760 2.000 2.050 2.250 -
Empire Life Annually At maturity yes 100,000 1.550 1.900 2.000 2.100 2.600 2.150
FirstOntario Credit Un. Annually At maturity no 500 1.800 1.900 2.000 2.250 2.500 -
Kindred Credit Union Annually At maturity no 50,000 1.400 1.700 2.000 2.100 2.200 -
Parama Credit Union Annually At maturity no 1,000 2.400 1.850 2.000 2.100 2.250 -
Simplii Financial Not compounded Annually no 100 1.700 1.300 2.000 1.500 2.250 -
Simplii Financial Annually At maturity no 100 1.700 1.300 2.000 1.500 2.250 -
Your Neighbourhood C.U. Annually At maturity no 100,000 1.700 1.850 2.000 2.200 2.300 -
Your Neighbourhood C.U. Not compounded Annually no 100,000 1.700 1.850 2.000 2.200 2.300 -
Resurrection Credit Un. Annually At maturity no 1,000 1.700 1.850 1.950 2.200 2.300 -
Your Neighbourhood C.U. Not compounded Annually no 20,000 1.650 1.800 1.950 2.150 2.250 -
Your Neighbourhood C.U. Annually At maturity no 20,000 1.650 1.800 1.950 2.150 2.250 -
Kindred Credit Union Annually At maturity no 25,000 1.400 1.650 1.900 2.050 2.150 -
Sun Life - Trust Not compounded Annually no 1,000 1.800 1.800 1.900 2.200 2.500 -
Sun Life - Trust Annually At maturity no 1,000 1.800 1.800 1.900 2.200 2.500 -
Your Neighbourhood C.U. Not compounded Annually no 1,000 1.600 1.750 1.900 2.100 2.200 -
Your Neighbourhood C.U. Annually At maturity no 1,000 1.600 1.750 1.900 2.100 2.200 -
Empire Life Annually At maturity yes 50,000 1.425 1.775 1.875 1.975 2.475 2.025
Comtech Credit Union Annually At maturity no 1,000 1.800 1.820 1.850 2.250 2.350 -
Alterna Bank Annually Annually no 500 1.500 1.600 1.800 1.800 2.100 -
Kindred Credit Union Annually At maturity no 500 1.400 1.600 1.800 1.950 2.100 -
Libro Credit Union Not compounded Annually no 500 1.300 1.650 1.800 1.950 2.150 -
Coast Capital Savings Annually At maturity no 1,000 1.200 1.300 1.750 1.600 2.000 -
Empire Life Annually At maturity yes 500 1.300 1.650 1.750 1.850 2.350 1.900
Manulife Investments Annually At maturity no 2,500 1.550 1.700 1.750 2.000 2.050 2.050
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 -
Sun Life - Insurance Not compounded Annually yes 1,000 1.700 1.600 1.600 2.050 2.350 -
Sun Life - Insurance Annually At maturity yes 1,000 1.700 1.600 1.600 2.050 2.350 -
Canada Life Annually At maturity yes 75,000 1.500 1.500 1.550 1.750 1.800 1.850
Canada Life Annually At maturity yes 25,000 1.500 1.500 1.550 1.750 1.800 1.850
Canada Life Annually At maturity yes 1,000 1.500 1.500 1.550 1.750 1.800 1.850
Great-West Life Not compounded Annually no 500 1.500 1.500 1.550 1.750 1.800 1.850
Great-West Life Not compounded Annually no 25,000 1.500 1.500 1.550 1.750 1.800 1.850
Great-West Life Not compounded Annually no 50,000 1.500 1.500 1.550 1.750 1.800 1.850
Great-West Life Annually At maturity no 500 1.500 1.500 1.550 1.750 1.800 1.850
Great-West Life Annually At maturity no 25,000 1.500 1.500 1.550 1.750 1.800 1.850
Great-West Life Annually At maturity no 50,000 1.500 1.500 1.550 1.750 1.800 1.850
Great-West Life Not compounded Annually yes 500 1.500 1.500 1.550 1.750 1.800 1.850
Great-West Life Not compounded Annually yes 25,000 1.500 1.500 1.550 1.750 1.800 1.850
Great-West Life Not compounded Annually yes 50,000 1.500 1.500 1.550 1.750 1.800 1.850
Great-West Life Annually At maturity yes 500 1.500 1.500 1.550 1.750 1.800 1.850
Great-West Life Annually At maturity yes 25,000 1.500 1.500 1.550 1.750 1.800 1.850
Great-West Life Annually At maturity yes 50,000 1.500 1.500 1.550 1.750 1.800 1.850
London Life Annually At maturity yes 50,000 1.500 1.500 1.550 1.750 1.800 -
London Life Annually At maturity yes 1,000 1.500 1.500 1.550 1.750 1.800 -
Meridian Credit Union Annually At maturity no 500 1.250 1.350 1.550 1.750 2.000 -
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 100,000 1.400 1.500 1.550 1.600 2.000 -
Rapport Credit Union Annually At maturity no 60,000 1.400 1.500 1.550 1.600 2.000 -
Sun Life - Trust Not compounded Annually yes 1,000 1.600 1.550 1.550 2.000 2.350 -
Sun Life - Trust Annually At maturity yes 1,000 1.600 1.550 1.550 2.000 2.350 -
Manulife Investments Annually At maturity yes 2,500 1.300 1.450 1.500 1.750 1.800 1.800
Zag Bank Not compounded Annually no 250 1.200 1.300 1.500 1.600 2.000 -
Great-West Life Not compounded Monthly no 500 1.400 1.400 1.450 1.650 1.700 1.750
Great-West Life Not compounded Monthly no 25,000 1.400 1.400 1.450 1.650 1.700 1.750
Great-West Life Not compounded Monthly no 50,000 1.400 1.400 1.450 1.650 1.700 1.750
Great-West Life Not compounded Monthly yes 500 1.400 1.400 1.450 1.650 1.700 1.750
Great-West Life Not compounded Monthly yes 25,000 1.400 1.400 1.450 1.650 1.700 1.750
Great-West Life Not compounded Monthly yes 50,000 1.400 1.400 1.450 1.650 1.700 1.750
Alterna Savings Annually Annually no 500 1.150 1.300 1.400 1.500 1.700 -
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 -
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 -
Royal Bank of Canada Annually At maturity no 500 0.900 1.250 1.350 1.500 1.600 -
Royal Bank of Canada Not compounded Annually no 500 0.900 1.250 1.350 1.500 1.600 -
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 -
BMO Bank of Montreal Annually At maturity no 1,000 0.850 1.050 1.150 1.250 1.500 1.500
BMO Bank of Montreal Not compounded Annually no 1,000 0.850 1.050 1.150 1.250 1.500 1.500
Laurentian Bank Canada Annually Annually no 500 - 1.100 1.150 1.300 1.600 1.600
Laurentian Bank Canada Not compounded Annually no 500 - 1.100 1.150 1.300 1.600 1.600
National Bank Annually At maturity no 500 0.900 1.100 1.150 1.300 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 -
Royal Bank of Canada Semi-annually At maturity yes 500 0.650 1.000 1.100 1.250 1.350 -
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 -
BMO Bank of Montreal Annually At maturity yes 1,000 0.600 0.800 0.900 1.000 1.250 -
Laurentian Bank Canada Annually Annually yes 500 - 0.800 0.900 1.050 1.250 -
Laurentian Bank Canada Not compounded Semi-annually no 500 0.650 0.850 0.900 1.050 1.350 1.350
Laurentian Bank Canada Not compounded Quarterly no 500 0.650 0.850 0.900 1.050 1.350 1.350
Laurentian Bank Canada Not compounded Annually yes 500 - 0.800 0.900 1.050 1.250 -
CIBC Annually At maturity no 500 0.550 0.650 0.850 1.050 1.250 -
National Bank Annually At maturity yes 500 0.650 0.800 0.850 0.900 1.150 -
Laurentian Bank Canada Not compounded Monthly no 500 0.550 0.600 0.650 0.800 1.100 1.100
Laurentian Bank Canada Not compounded Semi-annually yes 500 0.300 0.500 0.650 0.800 1.000 -
CIBC Annually At maturity yes 500 0.300 0.400 0.600 - - -
Laurentian Bank Canada Not compounded Monthly yes 500 0.300 0.250 0.400 0.550 0.750 -
ATB Financial Annually At maturity yes 500 0.350 0.350 0.350 0.350 0.350 -
ATB Financial Semi-annually At maturity yes 500 0.100 0.100 0.100 0.100 0.100 -
Alterna Savings Not compounded Annually yes 500 0.750 - - - - -
CIBC Not compounded Annually cashable 500 0.450 - - - - -
Laurentian Bank Canada Not compounded At maturity yes 500 0.650 0.650 - - - -
Laurentian Bank Canada Not compounded At maturity no 500 0.900 0.900 - - - -

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 January 18, 2018

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

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