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Savings Rates | GIC/GIA: 1 to 6 years (Registered)
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| Financial Institution | Compound Frequency | Payment Frequency | Redeemable | Minimum Deposit | Term in Years | |||||
| 1 | 2 | 3 | 4 | 5 | 6 | |||||
| Ontario Civil Service CU | Annually | At maturity | no | 40,000 | 1.350 | 1.600 | 1.750 | 1.900 | 2.200 | - |
|---|---|---|---|---|---|---|---|---|---|---|
| Peoples Trust | Annually | At maturity | no | 5,000 | 1.000 | 1.500 | 1.750 | 1.750 | 2.000 | - |
| ATB Financial | Annually | At maturity | no | 500 | 1.500 | 1.600 | 1.700 | 2.000 | 2.150 | - |
| Equitable Life | Annually | At maturity | yes | 50,000 | 1.175 | 1.575 | 1.700 | 1.875 | 2.125 | - |
| First Calgary Financial | Annually | At maturity | no | 500 | 1.250 | 1.650 | 1.700 | 1.750 | 2.000 | - |
| MonCana Bank of Canada | Annually | At maturity | no | 5,000 | 1.800 | 1.600 | 1.700 | 1.800 | 1.900 | - |
| MonCana Bank of Canada | Not compounded | Annually | no | 5,000 | 1.800 | 1.600 | 1.700 | 1.800 | 1.900 | - |
| Industrial Alliance | Annually | At maturity | yes | 200,000 | 1.050 | 1.450 | 1.650 | 1.800 | 2.050 | - |
| Industrial Alliance | Not compounded | Annually | yes | 200,000 | 1.050 | 1.450 | 1.650 | 1.800 | 2.050 | - |
| President's Choice Fin'l | Not compounded | Annually | no | 100 | 1.250 | 1.450 | 1.650 | 1.900 | 2.100 | - |
| President's Choice Fin'l | Annually | At maturity | no | 100 | 1.250 | 1.450 | 1.650 | 1.900 | 2.100 | - |
| Sun Life - Trust | Annually | At maturity | no | 1,000 | 1.500 | 1.650 | 1.650 | 2.000 | 2.200 | - |
| Sun Life - Trust | Not compounded | Annually | no | 1,000 | 1.500 | 1.650 | 1.650 | 2.000 | 2.200 | - |
| Empire Life | Annually | At maturity | yes | 100,000 | 1.250 | 1.500 | 1.625 | 1.750 | 2.000 | 2.000 |
| Canadian Western Trust | Annually | At maturity | no | 5,000 | 1.250 | 1.350 | 1.600 | 1.850 | 2.200 | - |
| Industrial Alliance | Annually | At maturity | yes | 100,000 | 1.000 | 1.400 | 1.600 | 1.750 | 2.000 | - |
| Industrial Alliance | Not compounded | Annually | yes | 100,000 | 1.000 | 1.400 | 1.600 | 1.750 | 2.000 | - |
| Libro Financial Group | Not compounded | Annually | no | 1,000 | 1.100 | 1.500 | 1.600 | 1.750 | 1.850 | - |
| Manulife Investments | Annually | At maturity | no | 2,500 | 1.350 | 1.450 | 1.600 | 1.650 | 1.750 | 1.750 |
| PACE Savings & Credit Un | Annually | At maturity | no | 1,000 | 1.200 | 1.500 | 1.600 | 1.750 | 2.100 | - |
| Equitable Life | Annually | At maturity | yes | 500 | 1.050 | 1.450 | 1.575 | 1.750 | 2.000 | - |
| Equitable Life | Annually | At maturity | yes | 25,000 | 1.050 | 1.450 | 1.575 | 1.750 | 2.000 | - |
| Industrial Alliance | Annually | At maturity | yes | 25,000 | 0.950 | 1.350 | 1.550 | 1.700 | 1.950 | - |
| Industrial Alliance | Not compounded | Annually | yes | 25,000 | 0.950 | 1.350 | 1.550 | 1.700 | 1.950 | - |
| Royal Bank of Canada | Semi-annually | At maturity | yes | 500 | 1.050 | 1.050 | 1.550 | 1.350 | 1.950 | - |
| Standard Life | Annually | At maturity | yes | 25,000 | 1.300 | 1.425 | 1.550 | 1.700 | 1.850 | 1.900 |
| Standard Life | Annually | At maturity | yes | 250,000 | 1.300 | 1.425 | 1.550 | 1.700 | 1.850 | 1.900 |
| Standard Life | Annually | At maturity | yes | 100,000 | 1.300 | 1.425 | 1.550 | 1.700 | 1.850 | 1.900 |
| Standard Life | Annually | At maturity | yes | 50,000 | 1.300 | 1.425 | 1.550 | 1.700 | 1.850 | 1.900 |
| Standard Life | Annually | At maturity | yes | 1,000 | 1.300 | 1.425 | 1.550 | 1.700 | 1.850 | 1.900 |
| Standard Life | Annually | At maturity | yes | 500,000 | 1.300 | 1.425 | 1.550 | 1.700 | 1.850 | 1.900 |
| Empire Life | Annually | At maturity | yes | 50,000 | 1.125 | 1.375 | 1.500 | 1.625 | 1.875 | 1.875 |
| 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 | - |
| ATB Financial | Semi-annually | At maturity | no | 500 | 1.250 | 1.350 | 1.450 | 1.750 | 1.900 | - |
| Sun Life - Insurance | Not compounded | Annually | yes | 1,000 | 1.100 | 1.250 | 1.450 | 1.650 | 1.850 | - |
| Sun Life - Insurance | Annually | At maturity | yes | 1,000 | 1.100 | 1.250 | 1.450 | 1.650 | 1.850 | - |
| Canada Life | Annually | At maturity | yes | 75,000 | 1.150 | 1.250 | 1.400 | 1.450 | 1.550 | 1.950 |
| Concentra Financial | Annually | At maturity | no | 1,000 | 1.150 | 1.300 | 1.400 | 1.600 | 2.000 | - |
| Great-West Life | Not compounded | Annually | no | 50,000 | 1.150 | 1.250 | 1.400 | 1.450 | 1.550 | 1.950 |
| Great-West Life | Annually | At maturity | no | 50,000 | 1.150 | 1.250 | 1.400 | 1.450 | 1.550 | 1.950 |
| Great-West Life | Not compounded | Annually | yes | 50,000 | 1.150 | 1.250 | 1.400 | 1.450 | 1.550 | 1.950 |
| Great-West Life | Annually | At maturity | yes | 50,000 | 1.150 | 1.250 | 1.400 | 1.450 | 1.550 | 1.950 |
| Industrial Alliance | Annually | At maturity | yes | 1,000 | 0.800 | 1.200 | 1.400 | 1.550 | 1.800 | - |
| Industrial Alliance | Not compounded | Annually | yes | 1,000 | 0.800 | 1.200 | 1.400 | 1.550 | 1.800 | - |
| London Life | Annually | At maturity | yes | 50,000 | 1.150 | 1.250 | 1.400 | 1.450 | 1.550 | - |
| Empire Life | Annually | At maturity | yes | 500 | 1.000 | 1.250 | 1.375 | 1.500 | 1.750 | 1.750 |
| 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 |
| HSBC Bank Canada | Annually | At maturity | no | 500 | 1.150 | 1.250 | 1.350 | 1.600 | 1.950 | - |
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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 18, 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.