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
Tangerine Annually At maturity yes 1 1.350 1.650 1.900 2.200 2.550 -
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 -
Peoples Trust Annually At maturity no 5,000 1.400 1.700 1.850 2.100 2.300 -
ATB Financial Annually At maturity no 500 1.630 1.800 1.750 2.000 2.200 -
Ontario Civil Service CU Annually At maturity no 60,000 1.350 1.600 1.750 1.900 2.200 -
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 -
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 -
ATB Financial Semi-annually At maturity no 500 1.380 1.550 1.500 1.750 1.950 -
Empire Life Annually At maturity yes 100,000 1.250 1.350 1.500 1.750 2.000 2.000
Industrial Alliance Annually At maturity yes 200,000 1.100 1.400 1.500 1.800 2.050 -
Industrial Alliance Not compounded Annually yes 200,000 1.100 1.400 1.500 1.800 2.050 -
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 -
Equitable Life Annually At maturity yes 500 0.750 1.300 1.450 1.800 1.900 -
Equitable Life Annually At maturity yes 25,000 0.750 1.300 1.450 1.800 1.900 -
Equitable Life Annually At maturity yes 50,000 0.750 1.300 1.450 1.800 1.900 -
Industrial Alliance Not compounded Annually yes 100,000 1.050 1.350 1.450 1.750 2.000 -
Industrial Alliance Annually At maturity yes 100,000 1.050 1.350 1.450 1.750 2.000 -
Royal Bank of Canada Semi-annually At maturity yes 500 1.050 1.400 1.450 1.500 1.750 -
Desjardins Fin. Security Not compounded Annually yes 500 0.850 0.950 1.400 1.650 1.900 -
Desjardins Fin. Security Annually At maturity yes 500 0.850 0.950 1.400 1.650 1.900 -
Industrial Alliance Not compounded Annually yes 25,000 1.000 1.300 1.400 1.700 1.950 -
Industrial Alliance Annually At maturity yes 25,000 1.000 1.300 1.400 1.700 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 1.250 1.350 1.400 1.600 2.000 -
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 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 -
HSBC Bank Canada Annually At maturity no 50,000 1.150 1.250 1.350 1.600 1.950 -
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 -
Bank of Nova Scotia Annually At maturity no 500 0.900 1.100 1.250 1.400 1.750 -
Bk Nova Scotia Mtg. Corp Annually At maturity no 500 0.900 1.100 1.250 1.400 1.750 -
CIBC Annually At maturity no 500 0.900 1.100 1.250 1.400 1.750 -
Caisses Desjardins Annually At maturity no 500 0.900 1.150 1.250 1.500 1.750 -
Caisses Desjardins Not compounded Annually no 1,000 0.900 1.150 1.250 1.500 1.750 -
Empire Life Annually At maturity yes 500 1.000 1.100 1.250 1.500 1.750 1.750
Fiducie Desjardins Annually At maturity no 1,000 - 1.150 1.250 1.500 1.750 -
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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 21, 2014

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

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