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
CFF Bank Not compounded Annually no 25,000 1.200 1.400 1.550 1.700 1.900 -
Manulife Bank Annually At maturity no 2,500 1.250 1.450 1.550 1.750 1.950 -
Meridian Credit Union Annually At maturity no 500 1.250 1.350 1.550 1.750 2.000 -
Alterna Bank Annually At maturity no 500 1.200 1.750 1.500 1.700 1.850 -
Alterna Savings Annually At maturity no 500 1.200 1.750 1.500 1.700 1.850 -
CFF Bank Annually At maturity no 5,000 1.100 1.350 1.500 1.650 1.850 -
CFF Bank Not compounded Annually no 5,000 1.100 1.350 1.500 1.650 1.850 -
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 -
Concentra Financial Annually At maturity no 1,000 1.100 1.200 1.400 1.500 1.700 -
Industrial Alliance Annually At maturity yes 200,000 1.000 1.350 1.400 1.550 1.750 -
Industrial Alliance Not compounded Annually yes 200,000 1.000 1.350 1.400 1.550 1.750 -
President's Choice Fin'l Not compounded Annually no 100 1.050 1.300 1.400 1.600 1.800 -
President's Choice Fin'l Annually At maturity no 100 1.050 1.300 1.400 1.600 1.800 -
Tangerine Annually At maturity yes 1 1.050 1.300 1.400 1.600 1.800 -
Industrial Alliance Not compounded Annually yes 100,000 0.950 1.300 1.350 1.500 1.700 -
Industrial Alliance Annually At maturity yes 100,000 0.950 1.300 1.350 1.500 1.700 -
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 -
Sun Life - Trust Annually At maturity no 1,000 1.150 1.250 1.350 1.550 1.950 -
Sun Life - Trust Not compounded Annually no 1,000 1.150 1.250 1.350 1.550 1.950 -
Industrial Alliance Not compounded Annually yes 25,000 0.900 1.250 1.300 1.450 1.650 -
Industrial Alliance Annually At maturity yes 25,000 0.900 1.250 1.300 1.450 1.650 -
ATB Financial Annually At maturity no 500 1.500 2.000 1.150 1.300 2.150 -
BMO Bank of Montreal Not compounded Annually no 1,000 1.000 1.050 1.150 1.250 1.500 1.500
BMO Bank of Montreal Annually At maturity no 1,000 1.000 1.050 1.150 1.250 1.500 1.500
Bank of Nova Scotia Annually At maturity no 500 0.900 1.100 1.150 1.300 1.500 -
Bk Nova Scotia Mtg. Corp Annually At maturity no 500 0.900 1.100 1.150 1.300 1.500 -
First Calgary Financial Annually At maturity no 500 0.900 1.100 1.150 1.300 1.500 -
Industrial Alliance Annually At maturity yes 1,000 0.750 1.100 1.150 1.300 1.500 -
Industrial Alliance Not compounded Annually yes 1,000 0.750 1.100 1.150 1.300 1.500 -
Servus Credit Union Annually At maturity no 500 0.900 1.050 1.150 1.300 1.500 -
Windsor Family C.U. Annually At maturity no 500 0.900 1.100 1.150 1.300 1.500 -
Caisses Desjardins Not compounded Annually no 1,000 0.850 1.050 1.100 1.250 1.500 -
Caisses Desjardins Annually At maturity no 500 0.850 1.050 1.100 1.250 1.500 -
Fiducie Desjardins Not compounded Annually no 1,000 0.850 1.050 1.100 1.250 1.500 -
Fiducie Desjardins Annually At maturity no 1,000 - 1.050 1.100 1.250 1.500 -
HSBC Bank Canada Annually At maturity no 50,000 0.950 1.000 1.100 1.300 1.500 -
HSBC Bank Canada Annually At maturity no 500 0.950 1.000 1.100 1.300 1.500 -
National Bank Annually At maturity no 500 0.650 0.950 1.100 1.300 1.450 -
TD Canada Trust Annually At maturity no 500 1.000 1.050 1.100 1.200 1.300 -
TD Canada Trust Not compounded Annually no 500 1.000 1.050 1.100 1.200 1.300 -
Caisses Desjardins Not compounded Semi-annually no 500 0.800 1.000 1.050 1.200 1.450 -
Caisses Desjardins Not compounded Monthly no 500 0.800 1.000 1.050 1.200 1.450 -
Royal Bank of Canada Not compounded Annually no 500 0.850 1.050 1.050 1.300 1.500 -
Royal Bank of Canada Annually At maturity no 500 0.850 1.050 1.050 1.300 1.500 -
ATB Financial Annually At maturity yes 500 0.850 0.850 1.000 1.150 1.500 -
Empire Life Annually At maturity yes 100,000 0.875 0.875 1.000 1.125 1.375 1.500
Equitable Life Annually At maturity yes 50,000 0.700 1.000 1.000 1.050 1.350 -
Equitable Life Annually At maturity yes 25,000 0.700 1.000 1.000 1.050 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 March 28, 2015

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.