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

Sorted by: 4 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
AcceleRate Financial Annually At maturity no 500 2.250 2.400 2.500 2.750 2.800 2.850
MAXA Financial Not compounded Annually yes 500 2.250 2.400 2.500 2.700 2.800 -
State Bank of India (C) Annually Annually no 1,000 1.850 2.100 2.600 2.700 3.000 -
Achieva Financial Annually At maturity no 1,000 2.250 2.400 2.500 2.650 2.800 -
Hubert Financial Annually At maturity yes 1,000 2.350 2.450 2.550 2.650 2.950 -
Outlook Financial Not compounded Annually yes 1,000 2.200 2.400 2.500 2.650 2.800 -
Outlook Financial Annually At maturity yes 1,000 2.200 2.400 2.500 2.650 2.800 -
ICICI Bank Canada Annually At maturity yes 1,000 1.750 2.050 2.500 2.600 3.000 -
Oaken Financial Annually At maturity no 1,000 2.050 2.350 2.400 2.600 2.800 -
Entegra Credit Union Not compounded Annually no 1,000 2.150 2.300 2.400 2.550 2.700 -
Entegra Credit Union Annually At maturity no 1,000 2.150 2.300 2.400 2.550 2.700 -
Steinbach Credit Union Annually At maturity no 500 2.150 2.300 2.400 2.550 2.700 -
Outlook Financial Not compounded Monthly yes 1,000 2.050 2.250 2.350 2.500 2.650 -
Parama Credit Union Annually At maturity no 1,000 1.650 1.900 2.150 2.500 2.550 -
DUCA Financial Services Annually At maturity no 500 1.800 2.050 2.250 2.400 2.650 2.650
Comtech Credit Union Annually At maturity no 200,000 2.100 2.200 2.250 2.300 2.550 -
Comtech Credit Union Annually At maturity no 50,000 2.100 2.200 2.250 2.300 2.550 -
Comtech Credit Union Annually At maturity no 100,000 2.100 2.200 2.250 2.300 2.550 -
Comtech Credit Union Annually At maturity no 1,000 2.100 2.200 2.250 2.300 2.550 -
Libro Credit Union Not compounded Annually no 500 1.350 1.750 2.550 2.300 2.400 -
Your Neighbourhood C.U. Annually At maturity no 100,000 1.600 1.800 2.000 2.300 2.450 -
Your Neighbourhood C.U. Not compounded Annually no 100,000 1.600 1.800 2.000 2.300 2.450 -
Your Neighbourhood C.U. Not compounded Annually no 20,000 1.550 1.750 1.950 2.250 2.400 -
Your Neighbourhood C.U. Annually At maturity no 20,000 1.550 1.750 1.950 2.250 2.400 -
Your Neighbourhood C.U. Not compounded Annually no 500 1.500 1.700 1.900 2.200 2.350 -
Your Neighbourhood C.U. Annually At maturity no 500 1.500 1.700 1.900 2.200 2.350 -
Canadian Direct Fin'l Annually At maturity no 500 1.550 1.800 1.950 2.100 2.300 -
Coast Capital Savings Annually At maturity no 1,000 1.550 1.650 1.950 2.050 2.250 -
Alterna Bank Annually At maturity no 500 1.500 2.100 2.000 2.000 2.300 -
Alterna Savings Annually At maturity no 500 1.500 2.100 2.000 2.000 2.300 -
Effort Trust Annually At maturity no 1,000 1.500 1.750 1.850 2.000 2.150 -
Home Trust Company Annually At maturity no 1,000 1.500 1.750 1.850 2.000 2.150 -
Meridian Credit Union Annually At maturity no 500 1.400 1.500 1.800 2.000 2.100 -
Peace Hills Trust Annually At maturity no 1,000 1.450 1.750 1.850 2.000 2.250 -
Peace Hills Trust Not compounded Annually no 1,000 1.450 1.750 1.850 2.000 2.250 -
Community Trust Annually At maturity no 1,000 1.400 1.700 1.850 1.950 2.200 -
FirstOntario Credit Un. Annually At maturity no 500 1.500 1.700 1.800 1.900 2.000 -
MCAN Mortgage Corp. Not compounded Annually no 100,000 1.500 1.700 1.750 1.900 2.000 -
MCAN Mortgage Corp. Annually At maturity no 100,000 1.500 1.700 1.750 1.900 2.000 -
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 40,000 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 -
B2B Bank Annually At maturity no 1,000 1.350 1.700 1.800 1.850 2.050 -
Canadian Western Bank Annually At maturity no 500 1.300 1.550 1.700 1.850 2.050 -
MCAN Mortgage Corp. Annually At maturity no 25,000 1.450 1.650 1.700 1.850 1.950 -
MCAN Mortgage Corp. Not compounded Annually no 25,000 1.450 1.650 1.700 1.850 1.950 -
Manulife Bank Annually At maturity no 2,500 2.000 1.450 1.600 1.850 2.050 -
Pacific & Western Bank Annually At maturity no 1,000 1.360 1.610 1.710 1.850 2.000 -
MCAN Mortgage Corp. Annually At maturity no 5,000 1.400 1.600 1.650 1.800 1.900 -
MCAN Mortgage Corp. Not compounded Annually no 5,000 1.400 1.600 1.650 1.800 1.900 -
Industrial Alliance Annually At maturity yes 200,000 1.000 1.400 1.500 1.750 1.950 -
Industrial Alliance Not compounded Annually yes 200,000 1.000 1.400 1.500 1.750 1.950 -
Ontario Civil Service CU Annually At maturity no 20,000 1.300 1.450 1.500 1.750 2.050 -
Ontario Civil Service CU Annually At maturity no 10,000 1.300 1.450 1.500 1.750 2.050 -
PACE Savings & Credit Un Annually At maturity no 1,000 1.200 1.300 1.600 1.750 2.100 -
Peoples Trust Annually At maturity no 5,000 1.350 1.500 1.650 1.750 1.900 -
CFF Bank Annually At maturity no 25,000 1.350 1.400 1.550 1.700 1.900 -
CFF Bank Not compounded Annually no 25,000 1.350 1.400 1.550 1.700 1.900 -
Canadian Western Trust Annually At maturity no 5,000 1.250 1.450 1.650 1.700 1.950 -
Industrial Alliance Not compounded Annually yes 100,000 0.950 1.350 1.450 1.700 1.900 -
Industrial Alliance Annually At maturity yes 100,000 0.950 1.350 1.450 1.700 1.900 -
CFF Bank Annually At maturity no 5,000 1.250 1.350 1.500 1.650 1.850 -
CFF Bank Not compounded Annually no 5,000 1.250 1.350 1.500 1.650 1.850 -
Industrial Alliance Not compounded Annually yes 25,000 0.900 1.300 1.400 1.650 1.850 -
Industrial Alliance Annually At maturity yes 25,000 0.900 1.300 1.400 1.650 1.850 -
ATB Financial Annually At maturity no 500 1.500 2.000 1.400 1.600 2.350 -
Ontario Civil Service CU Annually At maturity no 1,000 1.000 1.100 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 -
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 -
Sun Life - Trust Annually At maturity no 1,000 1.200 1.300 1.400 1.600 2.150 -
Sun Life - Trust Not compounded Annually no 1,000 1.200 1.300 1.400 1.600 2.150 -
Tangerine Annually At maturity yes 1 1.050 1.300 1.400 1.600 1.800 -
Concentra Financial Annually At maturity no 1,000 1.100 1.200 1.400 1.500 1.700 -
First Calgary Financial Annually At maturity no 500 1.250 1.450 1.450 1.500 2.250 -
Industrial Alliance Annually At maturity yes 1,000 0.750 1.150 1.250 1.500 1.700 -
Industrial Alliance Not compounded Annually yes 1,000 0.750 1.150 1.250 1.500 1.700 -
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 -
Laurentienne Trust Annually At maturity no 500 0.850 1.100 1.250 1.400 1.750 -
Laurentienne Trust Not compounded Annually no 500 0.850 1.100 1.250 1.400 1.750 -
Windsor Family C.U. Annually At maturity no 500 0.900 1.100 1.250 1.400 1.750 -
ATB Financial Semi-annually At maturity no 500 1.250 1.750 1.150 1.350 2.100 -
BMO Bank of Montreal Annually At maturity no 1,000 1.000 1.150 1.250 1.350 1.600 1.800
BMO Bank of Montreal Not compounded Annually no 1,000 1.000 1.150 1.250 1.350 1.600 1.800
BMO Bank of Montreal Annually At maturity yes 1,000 0.750 0.900 1.100 1.350 1.700 -
Servus Credit Union Annually At maturity no 500 1.000 1.150 1.250 1.350 1.650 -
Caisses Desjardins Not compounded Annually no 1,000 1.000 1.150 1.250 1.300 1.650 -
Caisses Desjardins Annually At maturity no 500 1.000 1.150 1.250 1.300 1.650 -
Fiducie Desjardins Annually At maturity no 1,000 - 1.150 1.250 1.300 1.650 -
Fiducie Desjardins Not compounded Annually no 1,000 1.000 1.150 1.250 1.300 1.650 -
HSBC Bank Canada Annually At maturity no 50,000 0.950 1.000 1.100 1.300 1.650 -
HSBC Bank Canada Annually At maturity no 500 0.950 1.000 1.100 1.300 1.650 -
National Bank Annually At maturity no 500 0.650 0.950 1.100 1.300 1.450 -
Royal Bank of Canada Not compounded Annually no 500 1.000 1.200 1.300 1.300 1.650 -
Royal Bank of Canada Annually At maturity no 500 1.000 1.200 1.300 1.300 1.650 -
TD Canada Trust Not compounded Annually no 500 1.000 1.050 1.100 1.300 1.450 -
TD Canada Trust Annually At maturity no 500 1.000 1.050 1.100 1.300 1.450 -
Caisses Desjardins Not compounded Monthly no 500 0.950 1.100 1.200 1.250 1.600 -
Caisses Desjardins Not compounded Semi-annually no 500 0.950 1.100 1.200 1.250 1.600 -
Empire Life Annually At maturity yes 100,000 1.000 1.000 1.125 1.250 1.375 1.500
Equitable Life Annually At maturity yes 500 0.780 1.000 1.150 1.250 1.450 -
Equitable Life Annually At maturity yes 50,000 0.780 1.000 1.150 1.250 1.450 -
Equitable Life Annually At maturity yes 25,000 0.780 1.000 1.150 1.250 1.450 -
ATB Financial Annually At maturity yes 500 0.850 0.850 1.000 1.150 1.500 -
CIBC Annually At maturity no 500 0.650 0.850 0.950 1.150 1.500 -
Laurentian Bank Canada Annually At maturity no 500 0.600 0.850 1.000 1.150 1.500 -
Laurentian Bank Canada Not compounded Annually no 500 0.600 0.850 1.000 1.150 1.500 -
Laurentienne Trust Not compounded Quarterly no 500 0.600 0.850 1.000 1.150 1.500 -
Laurentienne Trust Not compounded Semi-annually no 500 0.600 0.850 1.000 1.150 1.500 -
Empire Life Annually At maturity yes 50,000 0.875 0.875 1.000 1.125 1.250 1.375
Manulife Investments Annually At maturity no 2,500 0.850 1.050 0.950 1.050 1.250 1.250
Royal Bank of Canada Semi-annually At maturity yes 500 0.750 0.950 1.050 1.050 1.400 -
Sun Life - Insurance Not compounded Annually yes 1,000 0.750 0.800 0.850 1.050 1.400 -
Sun Life - Insurance Annually At maturity yes 1,000 0.750 0.800 0.850 1.050 1.400 -
Sun Life - Trust Not compounded Annually yes 1,000 0.750 0.800 0.850 1.050 1.400 -
Sun Life - Trust Annually At maturity yes 1,000 0.750 0.800 0.850 1.050 1.400 -
Empire Life Annually At maturity yes 500 0.750 0.750 0.875 1.000 1.125 1.250
National Bank Annually At maturity yes 500 0.400 0.650 0.800 1.000 1.150 -
Standard Life Annually At maturity yes 25,000 0.775 0.825 0.850 0.975 1.100 1.225
Standard Life Annually At maturity yes 250,000 0.775 0.825 0.850 0.975 1.100 1.225
Standard Life Annually At maturity yes 100,000 0.775 0.825 0.850 0.975 1.100 1.225
Standard Life Annually At maturity yes 50,000 0.775 0.825 0.850 0.975 1.100 1.225
Standard Life Annually At maturity yes 1,000 0.775 0.825 0.850 0.975 1.100 1.225
Standard Life Annually At maturity yes 500,000 0.775 0.825 0.850 0.975 1.100 1.225
Canada Life Annually At maturity yes 75,000 0.800 0.800 0.850 0.950 1.100 1.450
Great-West Life Annually At maturity yes 50,000 0.800 0.800 0.850 0.950 1.100 1.450
Great-West Life Not compounded Annually no 50,000 0.800 0.800 0.850 0.950 1.100 1.450
Great-West Life Annually At maturity no 50,000 0.800 0.800 0.850 0.950 1.100 1.450
Great-West Life Not compounded Annually yes 50,000 0.800 0.800 0.850 0.950 1.100 1.450
London Life Annually At maturity yes 50,000 0.800 0.800 0.850 0.950 1.100 -
ATB Financial Semi-annually At maturity yes 500 0.600 0.600 0.750 0.900 1.250 -
Laurentian Bank Canada Not compounded Annually yes 500 0.350 0.600 0.750 0.900 1.250 -
Laurentian Bank Canada Annually At maturity yes 500 0.350 0.600 0.750 0.900 1.250 -
Laurentienne Trust Not compounded Monthly no 500 0.500 0.600 0.750 0.900 1.250 -
Canada Life Annually At maturity yes 25,000 0.675 0.675 0.725 0.825 0.975 1.325
Great-West Life Annually At maturity no 25,000 0.675 0.675 0.725 0.825 0.975 1.325
Great-West Life Not compounded Annually yes 25,000 0.675 0.675 0.725 0.825 0.975 1.325
Great-West Life Annually At maturity yes 25,000 0.675 0.675 0.725 0.825 0.975 1.325
Great-West Life Not compounded Annually no 25,000 0.675 0.675 0.725 0.825 0.975 1.325
Manulife Investments Annually At maturity yes 2,500 0.600 0.800 0.700 0.800 1.000 1.000
Canada Life Annually At maturity yes 1,000 0.550 0.550 0.600 0.700 0.850 1.200
Great-West Life Not compounded Annually no 500 0.550 0.550 0.600 0.700 0.850 1.200
Great-West Life Annually At maturity no 500 0.550 0.550 0.600 0.700 0.850 1.200
Great-West Life Not compounded Annually yes 500 0.550 0.550 0.600 0.700 0.850 1.200
Great-West Life Annually At maturity yes 500 0.550 0.550 0.600 0.700 0.850 1.200
London Life Annually At maturity yes 1,000 0.550 0.550 0.600 0.700 0.850 -
Great-West Life Not compounded Monthly no 50,000 0.300 0.300 0.350 0.450 0.600 0.950
Great-West Life Not compounded Monthly yes 50,000 0.300 0.300 0.350 0.450 0.600 0.950
Great-West Life Not compounded Monthly no 25,000 0.175 0.175 0.225 0.325 0.475 0.825
Great-West Life Not compounded Monthly yes 25,000 0.175 0.175 0.225 0.325 0.475 0.825
Great-West Life Not compounded Monthly no 500 0.050 0.050 0.100 0.200 0.350 0.700
Great-West Life Not compounded Monthly yes 500 0.050 0.050 0.100 0.200 0.350 0.700
Alterna Bank Not compounded Annually yes 500 1.050 - - - - -
Alterna Savings Not compounded Annually yes 500 1.050 - - - - -
CFF Bank Not compounded At maturity cashable 25,000 0.850 - - - - -
CFF Bank Not compounded At maturity cashable 10,000 0.750 - - - - -
CIBC Not compounded Annually cashable 500 0.500 - - - - -
CIBC Annually At maturity yes 500 0.400 0.600 0.700 - - -
Concentra Financial Not compounded Annually cashable 5,000 0.700 - - - - -

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 January 30, 2015

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

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