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

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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
Kindred Credit Union Annually At maturity no 500 1.300 1.500 1.700 1.850 2.000 -
ICICI Bank Canada Annually At maturity yes 1,000 1.350 1.550 1.650 1.850 2.050 -
Libro Credit Union Not compounded Annually no 500 1.150 1.500 1.650 1.800 1.900 -
Community Trust Annually At maturity no 1,000 1.330 1.530 1.630 1.730 1.880 -
ATB Financial Annually At maturity no 500 1.200 1.500 1.600 1.800 2.000 -
Industrial Alliance Annually At maturity yes 1,000 1.300 1.500 1.600 1.600 1.500 -
Industrial Alliance Not compounded Annually yes 1,000 1.300 1.500 1.600 1.600 1.500 -
Peace Hills Trust Not compounded Annually no 1,000 1.000 1.400 1.600 1.700 1.850 -
Peace Hills Trust Annually At maturity no 1,000 1.000 1.400 1.600 1.700 1.850 -
State Bank of India (C) Annually Annually no 1,000 1.300 1.400 1.600 1.800 2.000 -
Canadian Western Bank Annually At maturity no 500 1.260 1.430 1.560 1.800 2.000 -
B2B Bank Annually At maturity no 1,000 1.150 1.440 1.550 1.750 1.900 -
Meridian Credit Union Annually At maturity no 500 1.250 1.350 1.550 1.750 2.000 -
Rapport Credit Union Annually At maturity no 60,000 1.400 1.500 1.550 1.600 2.000 -
Rapport Credit Union Annually At maturity no 100,000 1.400 1.500 1.550 1.600 2.000 -
Canadian Western Trust Annually At maturity no 5,000 1.190 1.400 1.500 1.700 1.950 -
VersaBank (Pac&WestBank) Annually At maturity no 1,000 1.200 1.380 1.500 1.700 1.800 -
Zag Bank Not compounded Annually no 250 1.200 1.300 1.500 1.600 2.000 -
DUCA Financial Services Annually At maturity no 500 1.000 1.200 1.450 1.550 1.750 1.750
Manulife Bank Annually At maturity no 2,500 1.000 1.250 1.400 1.600 1.750 -
PACE Savings & Credit Un Annually At maturity no 1,000 1.000 1.200 1.400 1.500 1.600 -
Rapport Credit Union Annually At maturity no 40,000 1.250 1.350 1.400 1.450 2.000 -
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 -
ATB Financial Semi-annually At maturity no 500 0.950 1.250 1.350 1.550 1.750 -
Equitable Life Annually At maturity yes 25,000 0.550 1.050 1.300 1.500 1.650 -
Equitable Life Annually At maturity yes 500 0.550 1.050 1.300 1.500 1.650 -
Equitable Life Annually At maturity yes 50,000 0.550 1.050 1.300 1.500 1.650 -
Royal Bank of Canada Annually At maturity no 500 0.900 1.150 1.250 1.500 1.600 -
Royal Bank of Canada Not compounded Annually no 500 0.900 1.150 1.250 1.500 1.600 -
Sun Life - Trust Annually At maturity no 1,000 1.050 1.150 1.250 1.500 1.850 -
Sun Life - Trust Not compounded Annually no 1,000 1.050 1.150 1.250 1.500 1.850 -
Alterna Savings Annually Annually no 500 1.150 1.200 1.200 1.350 2.000 -
National Bank Annually At maturity no 500 0.900 1.100 1.200 1.350 1.500 -
BMO Bank of Montreal Not compounded At maturity cashable 100,000 0.850 1.050 1.150 1.250 1.500 1.500
BMO Bank of Montreal Not compounded Annually cashable 100,000 0.850 1.050 1.150 1.250 1.500 1.500
Desjardins - Caisses Annually At maturity no 1,000 0.850 1.100 1.150 1.300 1.500 -
Desjardins - Fiducie Annually At maturity no 1,000 0.850 1.100 1.150 1.300 1.500 -
Empire Life Annually At maturity yes 100,000 0.750 1.000 1.150 1.350 1.750 1.350
First Calgary Financial Annually At maturity no 500 0.900 1.100 1.150 1.300 2.000 -
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
Manulife Investments Annually At maturity no 2,500 0.650 0.850 1.150 1.300 1.500 1.600
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 -
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 -
WFCU Credit Union Annually At maturity no 500 0.850 0.950 1.050 1.150 1.400 -
Empire Life Annually At maturity yes 50,000 0.625 0.875 1.025 1.225 1.625 1.225
Royal Bank of Canada Semi-annually At maturity yes 500 0.650 0.900 1.000 1.250 1.350 -
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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 26, 2017

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

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