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
Oaken Financial Annually At maturity no 1,000 2.400 2.600 2.650 2.850 3.050 -
AcceleRate Financial Annually At maturity no 500 2.250 2.400 2.500 2.750 2.750 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 -
Outlook Financial Annually At maturity yes 1,000 2.200 2.400 2.500 2.650 2.800 -
Outlook Financial Not compounded Annually 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 -
Entegra Credit Union Annually At maturity no 1,000 2.150 2.300 2.400 2.550 2.700 -
Entegra Credit Union Not compounded Annually no 1,000 2.150 2.300 2.400 2.550 2.700 -
MAXA Financial Not compounded Annually yes 500 2.150 2.250 2.400 2.550 2.700 0.000
Outlook Financial Not compounded Monthly yes 1,000 2.050 2.250 2.350 2.500 2.650 -
Peace Hills Trust Not compounded Annually no 1,000 1.450 1.900 2.250 2.500 2.700 -
Peace Hills Trust Annually At maturity no 1,000 1.450 1.900 2.250 2.500 2.700 -
Steinbach Credit Union Annually At maturity no 500 2.100 2.200 2.350 2.450 2.600 -
Canadian Direct Fin'l Annually At maturity no 500 1.810 2.060 2.260 2.410 2.560 -
Effort Trust Annually At maturity no 1,000 1.950 2.100 2.300 2.400 2.600 -
DUCA Financial Services Annually At maturity no 500 1.600 1.950 2.000 2.350 2.600 2.600
Parama Credit Union Annually At maturity no 1,000 1.650 1.900 2.150 2.350 2.550 -
Your Neighbourhood C.U. Annually At maturity no 100,000 1.800 1.900 2.000 2.350 2.550 -
Your Neighbourhood C.U. Not compounded Annually no 100,000 1.800 1.900 2.000 2.350 2.550 -
Home Trust Company Annually At maturity no 1,000 1.950 2.050 2.150 2.300 2.500 -
Your Neighbourhood C.U. Not compounded Annually no 20,000 1.750 1.850 1.950 2.300 2.500 -
Your Neighbourhood C.U. Annually At maturity no 20,000 1.750 1.850 1.950 2.300 2.500 -
FirstOntario Credit Un. Annually At maturity no 500 1.800 2.250 1.950 2.250 2.600 -
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 -
B2B Bank Annually At maturity no 1,000 1.500 1.900 2.050 2.200 2.450 -
Libro Credit Union Not compounded Annually no 500 1.350 1.750 2.000 2.200 2.400 -
MCAN Mortgage Corp. Annually At maturity no 100,000 1.950 2.100 2.200 2.200 2.400 -
MCAN Mortgage Corp. Not compounded Annually no 100,000 1.950 2.100 2.200 2.200 2.400 -
Meridian Credit Union Annually At maturity no 500 1.500 1.600 1.900 2.200 2.300 -
President's Choice Fin'l Annually At maturity no 100 1.400 1.650 1.900 2.200 2.500 -
President's Choice Fin'l Not compounded Annually no 100 1.400 1.650 1.900 2.200 2.500 -
Tangerine Annually At maturity yes 1 1.350 1.650 1.900 2.200 2.550 -
Canadian Western Bank Annually At maturity no 500 1.560 1.810 2.010 2.160 2.310 -
CFF Bank Not compounded Annually no 25,000 1.800 1.850 2.000 2.150 2.400 -
CFF Bank Annually At maturity no 25,000 1.800 1.850 2.000 2.150 2.400 -
Comtech Credit Union Annually At maturity no 50,000 2.100 1.700 2.000 2.150 2.850 -
Comtech Credit Union Annually At maturity no 200,000 2.100 1.700 2.000 2.150 2.850 -
Comtech Credit Union Annually At maturity no 100,000 2.100 1.700 2.000 2.150 2.850 -
Comtech Credit Union Annually At maturity no 1,000 2.100 1.700 2.000 2.150 2.850 -
MCAN Mortgage Corp. Not compounded Annually no 25,000 1.900 2.050 2.150 2.150 2.350 -
MCAN Mortgage Corp. Annually At maturity no 25,000 1.900 2.050 2.150 2.150 2.350 -
Pacific & Western Bank Annually At maturity no 1,000 1.600 1.800 2.020 2.150 2.200 -
CFF Bank Annually At maturity no 5,000 1.750 1.800 1.950 2.100 2.350 -
CFF Bank Not compounded Annually no 5,000 1.750 1.800 1.950 2.100 2.350 -
Community Trust Annually At maturity no 1,000 1.400 1.700 1.850 2.100 2.400 -
MCAN Mortgage Corp. Not compounded Annually no 5,000 1.850 2.000 2.100 2.100 2.300 -
MCAN Mortgage Corp. Annually At maturity no 5,000 1.850 2.000 2.100 2.100 2.300 -
Manulife Bank Annually At maturity no 2,500 1.400 1.600 1.900 2.100 2.300 -
Peoples Trust Annually At maturity no 5,000 1.400 1.700 1.850 2.100 2.300 -
Coast Capital Savings Annually At maturity no 1,000 1.550 1.650 1.950 2.050 2.250 -
Sun Life - Trust Not compounded Annually no 1,000 1.300 1.450 1.700 2.050 2.450 -
Sun Life - Trust Annually At maturity no 1,000 1.300 1.450 1.700 2.050 2.450 -
Alterna Bank Annually At maturity no 500 1.500 1.600 2.500 1.900 2.300 -
Alterna Savings Annually At maturity no 500 1.500 1.600 2.500 1.900 2.300 -
Concentra Financial Annually At maturity no 1,000 1.250 1.450 1.700 1.900 2.000 -
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 -
Ontario Civil Service CU Annually At maturity no 100,000 1.350 1.600 1.750 1.900 2.200 -
Canadian Western Trust Annually At maturity no 5,000 1.250 1.400 1.600 1.850 2.100 -
Equitable Life Annually At maturity yes 500 1.000 1.400 1.550 1.800 2.150 -
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 -
ATB Financial Annually At maturity no 500 1.300 1.650 1.700 1.750 2.000 -
Empire Life Annually At maturity yes 100,000 1.250 1.350 1.500 1.750 2.000 2.000
First Calgary Financial Annually At maturity no 500 1.250 1.650 1.700 1.750 2.350 -
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 -
PACE Savings & Credit Un Annually At maturity no 1,000 1.200 1.300 1.600 1.750 2.100 -
Royal Bank of Canada Annually At maturity no 500 1.300 1.650 1.700 1.750 2.000 -
Royal Bank of Canada Not compounded Annually no 500 1.300 1.650 1.700 1.750 2.000 -
Desjardins Fin. Security Not compounded Annually yes 500 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 Annually At maturity no 10,000 0.850 1.000 1.450 1.700 1.950 1.950
Manulife Investments Annually At maturity no 2,500 1.150 1.350 1.500 1.700 1.800 1.850
Sun Life - Insurance Annually At maturity yes 1,000 0.900 1.000 1.050 1.700 1.950 -
Sun Life - Insurance Not compounded Annually yes 1,000 0.900 1.000 1.050 1.700 1.950 -
Sun Life - Trust Not compounded Annually yes 1,000 0.900 1.000 1.050 1.700 1.950 -
Sun Life - Trust Annually At maturity yes 1,000 0.900 1.000 1.050 1.700 1.950 -
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 -
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 Annually no 500 1.000 1.150 1.350 1.600 1.950 1.950
BMO Bank of Montreal Annually At maturity 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 -
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 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 -
Servus Credit Union Annually At maturity no 500 1.300 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 -
Desjardins Fin. Security Not compounded Semi-annually yes 10,000 0.700 0.850 1.300 1.550 1.800 1.800
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 Quarterly yes 10,000 0.700 0.850 1.300 1.550 1.800 1.800
Industrial Alliance Not compounded Annually yes 25,000 1.000 1.150 1.300 1.550 1.850 -
Industrial Alliance Annually At maturity yes 25,000 1.000 1.150 1.300 1.550 1.850 -
ATB Financial Semi-annually At maturity no 500 1.050 1.400 1.450 1.500 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 -
Canada Life Annually At maturity yes 75,000 1.000 1.100 1.200 1.500 1.700 1.900
Empire Life Annually At maturity yes 500 1.000 1.100 1.250 1.500 1.750 1.750
Fiducie Desjardins Not compounded Annually no 1,000 0.900 1.150 1.250 1.500 1.750 -
Fiducie Desjardins Annually At maturity no 1,000 - 1.150 1.250 1.500 1.750 -
Great-West Life Annually At maturity yes 50,000 1.000 1.100 1.200 1.500 1.700 1.900
Great-West Life Not compounded Annually no 50,000 1.000 1.100 1.200 1.500 1.700 1.900
Great-West Life Annually At maturity no 50,000 1.000 1.100 1.200 1.500 1.700 1.900
Great-West Life Not compounded Annually yes 50,000 1.000 1.100 1.200 1.500 1.700 1.900
London Life Annually At maturity yes 50,000 1.000 1.100 1.200 1.500 1.700 -
National Bank Annually At maturity no 500 0.900 1.150 1.250 1.500 1.750 -
Royal Bank of Canada Semi-annually At maturity yes 500 1.050 1.400 1.450 1.500 1.750 -
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
Caisses Desjardins Not compounded Monthly no 500 0.850 1.100 1.200 1.450 1.700 -
Caisses Desjardins Not compounded Semi-annually no 500 0.850 1.100 1.200 1.450 1.700 -
Manulife Investments Annually At maturity yes 2,500 0.900 1.100 1.250 1.450 1.550 1.600
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 -
Industrial Alliance Annually At maturity yes 1,000 0.850 1.000 1.150 1.400 1.700 -
Industrial Alliance Not compounded Annually yes 1,000 0.850 1.000 1.150 1.400 1.700 -
Laurentian Bank Canada Not compounded Annually no 500 0.850 1.100 1.250 1.400 1.750 -
Laurentian Bank Canada 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 -
Laurentienne Trust Annually At maturity no 500 - 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 -
Canada Life Annually At maturity yes 25,000 0.875 0.975 1.075 1.375 1.575 1.775
Great-West Life Annually At maturity yes 25,000 0.875 0.975 1.075 1.375 1.575 1.775
Great-West Life Not compounded Annually no 25,000 0.875 0.975 1.075 1.375 1.575 1.775
Great-West Life Annually At maturity no 25,000 0.875 0.975 1.075 1.375 1.575 1.775
Great-West Life Not compounded Annually yes 25,000 0.875 0.975 1.075 1.375 1.575 1.775
BMO Bank of Montreal Annually At maturity yes 500 0.750 0.900 1.100 1.350 1.700 -
Canada Life Annually At maturity yes 1,000 0.750 0.850 0.950 1.250 1.450 1.650
Great-West Life Annually At maturity yes 500 0.750 0.850 0.950 1.250 1.450 1.650
Great-West Life Not compounded Annually no 500 0.750 0.850 0.950 1.250 1.450 1.650
Great-West Life Annually At maturity no 500 0.750 0.850 0.950 1.250 1.450 1.650
Great-West Life Not compounded Annually yes 500 0.750 0.850 0.950 1.250 1.450 1.650
London Life Annually At maturity yes 1,000 0.750 0.850 0.950 1.250 1.450 -
National Bank Annually At maturity yes 500 0.650 0.850 0.950 1.200 1.450 -
ATB Financial Annually At maturity yes 500 0.850 0.850 1.000 1.150 1.500 -
Laurentian Bank Canada Annually At maturity yes 500 0.650 0.850 1.000 1.150 1.500 -
Laurentian Bank Canada Not compounded Annually yes 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 -
Laurentienne Trust Not compounded Quarterly no 500 0.500 0.730 0.880 1.030 1.380 -
Great-West Life Not compounded Monthly no 50,000 0.500 0.600 0.700 1.000 1.200 1.400
Great-West Life Not compounded Monthly yes 50,000 0.500 0.600 0.700 1.000 1.200 1.400
ATB Financial Semi-annually At maturity yes 500 0.600 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 -
Great-West Life Not compounded Monthly yes 25,000 0.375 0.475 0.575 0.875 1.075 1.275
Great-West Life Not compounded Monthly no 25,000 0.375 0.475 0.575 0.875 1.075 1.275
Great-West Life Not compounded Monthly yes 500 0.250 0.350 0.450 0.750 0.950 1.150
Great-West Life Not compounded Monthly no 500 0.250 0.350 0.450 0.750 0.950 1.150
Alterna Bank Not compounded Annually yes 500 1.100 - - - - -
Alterna Savings Not compounded Annually yes 500 1.100 - - - - -
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 0.800 - - - - -
CIBC Annually At maturity yes 500 0.650 0.850 1.000 - - -
Concentra Financial Not compounded Annually cashable 5,000 0.900 - - - - -

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 31, 2014

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

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