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
Your Neighbourhood C.U. Not compounded Annually no 500 1.700 1.800 1.900 2.250 2.450 -
Your Neighbourhood C.U. Annually At maturity no 500 1.700 1.800 1.900 2.250 2.450 -
Community Trust Annually At maturity no 1,000 1.400 1.700 1.850 2.100 2.400 -
Peoples Trust Annually At maturity no 5,000 1.400 1.700 1.850 2.100 2.300 -
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 -
ATB Financial Annually At maturity no 500 1.300 1.650 1.700 1.750 2.000 -
Concentra Financial Annually At maturity no 1,000 1.250 1.450 1.700 1.900 2.000 -
First Calgary Financial Annually At maturity no 500 1.250 1.650 1.700 1.750 2.350 -
Royal Bank of Canada Not compounded Annually no 500 1.300 1.650 1.700 1.750 2.000 -
Royal Bank of Canada Annually At maturity no 500 1.300 1.650 1.700 1.750 2.000 -
Sun Life - Trust Annually At maturity no 1,000 1.300 1.450 1.700 2.050 2.400 -
Sun Life - Trust Not compounded Annually no 1,000 1.300 1.450 1.700 2.050 2.400 -
Canadian Western Trust Annually At maturity no 5,000 1.250 1.400 1.600 1.850 2.100 -
PACE Savings & Credit Un Annually At maturity no 1,000 1.200 1.300 1.600 1.750 2.100 -
Equitable Life Annually At maturity yes 50,000 1.000 1.400 1.550 1.800 2.150 -
Equitable Life Annually At maturity yes 25,000 1.000 1.400 1.550 1.800 2.150 -
Equitable Life Annually At maturity yes 500 1.000 1.400 1.550 1.800 2.150 -
Empire Life Annually At maturity yes 100,000 1.250 1.350 1.500 1.750 2.000 2.000
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 1.050 1.400 1.450 1.500 1.750 -
Desjardins Fin. Security Annually At maturity no 10,000 0.850 1.000 1.450 1.700 1.950 1.950
Desjardins Fin. Security Annually At maturity yes 500 0.850 1.000 1.450 1.700 1.950 1.950
Desjardins Fin. Security Not compounded Annually yes 500 0.850 1.000 1.450 1.700 1.950 1.950
Royal Bank of Canada Semi-annually At maturity yes 500 1.050 1.400 1.450 1.500 1.750 -
Industrial Alliance Annually At maturity yes 200,000 1.100 1.250 1.400 1.650 1.950 -
Industrial Alliance Not compounded Annually yes 200,000 1.100 1.250 1.400 1.650 1.950 -
Manulife Investments Annually At maturity no 2,500 0.950 1.350 1.400 1.550 1.650 1.700
Servus Credit Union Annually At maturity no 500 1.300 1.350 1.400 1.600 2.000 -
Standard Life Annually At maturity yes 500,000 1.125 1.275 1.400 1.475 1.550 1.625
Standard Life Annually At maturity yes 250,000 1.125 1.275 1.400 1.475 1.550 1.625
Standard Life Annually At maturity yes 100,000 1.125 1.275 1.400 1.475 1.550 1.625
Standard Life Annually At maturity yes 50,000 1.125 1.275 1.400 1.475 1.550 1.625
Standard Life Annually At maturity yes 25,000 1.125 1.275 1.400 1.475 1.550 1.625
Standard Life Annually At maturity yes 1,000 1.125 1.275 1.400 1.475 1.550 1.625
TD Canada Trust Not compounded Annually no 500 1.300 1.350 1.400 1.600 2.000 -
TD Canada Trust Annually At maturity no 500 1.300 1.350 1.400 1.600 2.000 -
Empire Life Annually At maturity yes 50,000 1.125 1.225 1.375 1.625 1.875 1.875
BMO Bank of Montreal Not compounded At maturity cashable 500 1.000 1.150 1.350 1.600 1.950 1.950
BMO Bank of Montreal Not compounded Annually cashable 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 -
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 100,000 1.050 1.200 1.350 1.600 1.900 -
Industrial Alliance Annually At maturity yes 100,000 1.050 1.200 1.350 1.600 1.900 -
Ontario Civil Service CU Annually At maturity no 5,000 1.000 1.100 1.350 1.600 1.900 -
Ontario Civil Service CU Annually At maturity no 1,000 1.000 1.100 1.350 1.600 1.900 -
Desjardins Fin. Security Not compounded Monthly yes 10,000 0.700 0.850 1.300 1.550 1.800 1.800
Desjardins Fin. Security Not compounded Semi-annually yes 10,000 0.700 0.850 1.300 1.550 1.800 1.800
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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 October 30, 2014

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.