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 1.950 2.250 2.450 2.650 2.850 2.700
Industrial Alliance Not compounded Annually yes 200,000 1.450 2.300 2.350 2.650 1.850 -
Industrial Alliance Annually At maturity yes 200,000 1.450 2.300 2.350 2.650 1.850 -
Motive Financial Annually At maturity no 500 1.870 2.340 2.550 2.620 2.830 -
Industrial Alliance Annually At maturity yes 100,000 1.400 2.250 2.300 2.600 1.800 -
Industrial Alliance Not compounded Annually yes 100,000 1.400 2.250 2.300 2.600 1.800 -
Industrial Alliance Not compounded Annually yes 25,000 1.350 2.200 2.250 2.550 1.750 -
Industrial Alliance Annually At maturity yes 25,000 1.350 2.200 2.250 2.550 1.750 -
Achieva Financial Annually At maturity no 1,000 1.950 2.200 2.350 2.500 2.650 -
Hubert Financial Annually At maturity no 1,000 - 2.200 2.350 2.500 2.650 -
MAXA Financial Not compounded Annually no 500 1.950 2.200 2.350 2.500 2.650 -
Oaken Financial Annually At maturity no 1,000 1.900 2.250 2.450 2.500 2.750 -
Outlook Financial Annually At maturity yes 1,000 1.950 2.200 2.350 2.500 2.650 -
Outlook Financial Not compounded Annually yes 1,000 1.950 2.200 2.350 2.500 2.650 -
Effort Trust Annually At maturity no 1,000 2.000 2.200 2.300 2.450 2.500 -
Canadian Western Bank Annually At maturity no 500 1.670 2.140 2.350 2.420 2.630 -
Entegra Credit Union Annually At maturity no 1,000 1.850 2.100 2.250 2.400 2.550 -
Entegra Credit Union Not compounded Annually no 1,000 1.850 2.100 2.250 2.400 2.550 -
Industrial Alliance Not compounded Annually yes 1,000 1.200 2.050 2.100 2.400 1.600 -
Industrial Alliance Annually At maturity yes 1,000 1.200 2.050 2.100 2.400 1.600 -
Steinbach Credit Union Annually At maturity no 500 1.850 2.050 2.250 2.400 2.550 -
B2B Bank Annually At maturity no 1,000 1.620 2.100 2.300 2.370 2.600 -
Canadian Western Trust Annually At maturity no 5,000 1.620 2.090 2.300 2.370 2.580 -
FirstOntario Credit Un. Annually At maturity no 500 2.000 2.100 2.200 2.350 2.500 -
Outlook Financial Not compounded Monthly yes 1,000 1.800 2.050 2.200 2.350 2.500 -
Peoples Trust Annually At maturity no 1,000 1.950 2.050 2.250 2.350 2.500 -
Home Bank - Agent Annually At maturity no 1,000 1.550 2.000 2.150 2.250 2.600 -
Kindred Credit Union Annually At maturity no 250,000 1.450 1.850 2.150 2.250 2.300 -
Manulife Bank Annually At maturity no 2,500 1.500 1.750 2.000 2.250 2.500 -
VersaBank (Pac&WestBank) Annually At maturity no 1,000 1.510 1.970 2.110 2.210 2.350 -
ATB Financial Annually At maturity no 500 1.500 2.000 2.150 2.200 2.500 -
Home Trust Company-Agent Annually At maturity no 1,000 1.500 1.950 2.100 2.200 2.550 -
Kindred Credit Union Annually At maturity no 100,000 1.400 1.800 2.100 2.200 2.250 -
MCAN Mortgage Corp. Annually At maturity no 25,000 1.450 1.850 2.150 2.200 2.250 -
MCAN Mortgage Corp. Not compounded Annually no 100,000 1.450 1.850 2.150 2.200 2.250 -
MCAN Mortgage Corp. Not compounded Annually no 25,000 1.450 1.850 2.150 2.200 2.250 -
MCAN Mortgage Corp. Annually At maturity no 100,000 1.450 1.850 2.150 2.200 2.250 -
Resurrection Credit Un. Annually At maturity no 1,000 1.700 1.850 1.950 2.200 2.300 -
Comtech Credit Union Annually At maturity no 1,000 1.750 1.650 1.750 2.150 2.250 -
Comtech Credit Union Annually At maturity no 200,000 1.750 1.650 1.750 2.150 2.250 -
Comtech Credit Union Annually At maturity no 100,000 1.750 1.650 1.750 2.150 2.250 -
Comtech Credit Union Annually At maturity no 50,000 1.750 1.650 1.750 2.150 2.250 -
Equitable Life Annually At maturity yes 50,000 1.250 2.000 2.050 2.150 2.300 -
Equitable Life Annually At maturity yes 25,000 1.250 2.000 2.050 2.150 2.300 -
Equitable Life Annually At maturity yes 500 1.250 2.000 2.050 2.150 2.300 -
Kindred Credit Union Annually At maturity no 50,000 1.400 1.700 2.000 2.100 2.200 -
MCAN Mortgage Corp. Not compounded Annually no 5,000 1.350 1.750 2.050 2.100 2.150 -
MCAN Mortgage Corp. Annually At maturity no 5,000 1.350 1.750 2.050 2.100 2.150 -
Parama Credit Union Annually At maturity no 1,000 2.400 1.850 2.000 2.100 2.250 -
Your Neighbourhood C.U. Annually At maturity no 100,000 1.600 1.750 1.950 2.100 2.200 -
Your Neighbourhood C.U. Not compounded Annually no 100,000 1.600 1.750 1.950 2.100 2.200 -
Community Trust Annually At maturity no 50,000 1.900 2.000 2.050 2.050 2.100 -
Kindred Credit Union Annually At maturity no 25,000 1.400 1.650 1.900 2.050 2.150 -
Your Neighbourhood C.U. Not compounded Annually no 20,000 1.550 1.700 1.900 2.050 2.150 -
Your Neighbourhood C.U. Annually At maturity no 20,000 1.550 1.700 1.900 2.050 2.150 -
Sun Life - Trust Not compounded Annually no 1,000 1.500 1.600 1.700 2.000 2.250 -
Sun Life - Trust Annually At maturity no 1,000 1.500 1.600 1.700 2.000 2.250 -
Your Neighbourhood C.U. Not compounded Annually no 1,000 1.500 1.650 1.850 2.000 2.100 -
Your Neighbourhood C.U. Annually At maturity no 1,000 1.500 1.650 1.850 2.000 2.100 -
ATB Financial Semi-annually At maturity no 500 1.250 1.750 1.900 1.950 2.250 -
Community Trust Annually At maturity no 1,000 1.800 1.900 1.950 1.950 2.000 -
Empire Life Annually At maturity yes 100,000 1.450 1.700 1.800 1.950 2.450 2.000
Kindred Credit Union Annually At maturity no 500 1.400 1.600 1.800 1.950 2.100 -
Libro Credit Union Not compounded Annually no 500 1.300 1.650 1.800 1.950 2.050 -
First Calgary Financial Annually At maturity no 500 1.000 1.600 1.750 1.850 2.100 -
ICICI Bank Canada Annually At maturity yes 1,000 1.350 1.550 1.650 1.850 2.050 -
Sun Life - Insurance Not compounded Annually yes 1,000 1.350 1.350 1.350 1.850 2.150 -
Sun Life - Insurance Annually At maturity yes 1,000 1.350 1.350 1.350 1.850 2.150 -
Sun Life - Trust Not compounded Annually yes 1,000 1.350 1.350 1.350 1.850 2.150 -
Sun Life - Trust Annually At maturity yes 1,000 1.350 1.350 1.350 1.850 2.150 -
Empire Life Annually At maturity yes 50,000 1.325 1.575 1.675 1.825 2.325 1.875
Alterna Bank Annually Annually no 500 1.500 1.600 1.800 1.800 2.100 -
State Bank of India (C) Annually Annually no 1,000 1.300 1.400 1.600 1.800 2.000 -
Meridian Credit Union Annually At maturity no 500 1.250 1.350 1.550 1.750 2.000 -
PACE Savings & Credit Un Annually At maturity no 1,000 1.250 1.350 1.550 1.750 2.000 -
Empire Life Annually At maturity yes 500 1.200 1.450 1.550 1.700 2.200 1.750
Manulife Investments Annually At maturity no 2,500 1.000 1.250 1.550 1.700 1.800 1.850
Peace Hills Trust Annually At maturity no 1,000 1.000 1.400 1.600 1.700 1.850 -
Peace Hills Trust Not compounded Annually no 1,000 1.000 1.400 1.600 1.700 1.850 -
Coast Capital Savings Annually At maturity no 1,000 1.200 1.300 1.750 1.600 2.000 -
Rapport Credit Union Annually At maturity no 100,000 1.400 1.500 1.550 1.600 2.000 -
Rapport Credit Union Annually At maturity no 60,000 1.400 1.500 1.550 1.600 2.000 -
Zag Bank Not compounded Annually no 250 1.200 1.300 1.500 1.600 2.000 -
Canada Life Annually At maturity yes 25,000 1.100 1.100 1.250 1.550 1.600 1.750
Canada Life Annually At maturity yes 75,000 1.100 1.100 1.250 1.550 1.600 1.750
Canada Life Annually At maturity yes 1,000 1.100 1.100 1.250 1.550 1.600 1.750
Great-West Life Not compounded Annually no 500 1.100 1.100 1.250 1.550 1.600 1.750
Great-West Life Not compounded Annually no 25,000 1.100 1.100 1.250 1.550 1.600 1.750
Great-West Life Not compounded Annually no 50,000 1.100 1.100 1.250 1.550 1.600 1.750
Great-West Life Annually At maturity no 500 1.100 1.100 1.250 1.550 1.600 1.750
Great-West Life Annually At maturity no 25,000 1.100 1.100 1.250 1.550 1.600 1.750
Great-West Life Annually At maturity no 50,000 1.100 1.100 1.250 1.550 1.600 1.750
Great-West Life Not compounded Annually yes 500 1.100 1.100 1.250 1.550 1.600 1.750
Great-West Life Not compounded Annually yes 25,000 1.100 1.100 1.250 1.550 1.600 1.750
Great-West Life Not compounded Annually yes 50,000 1.100 1.100 1.250 1.550 1.600 1.750
Great-West Life Annually At maturity yes 500 1.100 1.100 1.250 1.550 1.600 1.750
Great-West Life Annually At maturity yes 25,000 1.100 1.100 1.250 1.550 1.600 1.750
Great-West Life Annually At maturity yes 50,000 1.100 1.100 1.250 1.550 1.600 1.750
London Life Annually At maturity yes 50,000 1.100 1.100 1.250 1.550 1.600 -
London Life Annually At maturity yes 1,000 1.100 1.100 1.250 1.550 1.600 -
Alterna Savings Annually Annually no 500 1.150 1.300 1.400 1.500 1.700 -
HSBC Bank Canada Annually At maturity no 500 1.000 1.250 1.350 1.500 1.600 -
HSBC Bank Canada Annually At maturity no 50,000 1.000 1.250 1.350 1.500 1.600 -
President's Choice Fin'l Annually At maturity no 100 1.700 1.300 2.000 1.500 2.250 -
President's Choice Fin'l Not compounded Annually no 100 1.700 1.300 2.000 1.500 2.250 -
Royal Bank of Canada Annually At maturity no 500 0.900 1.250 1.350 1.500 1.600 -
Royal Bank of Canada Not compounded Annually no 500 0.900 1.250 1.350 1.500 1.600 -
TD Canada Trust Not compounded Annually no 500 1.000 1.250 1.350 1.500 1.600 -
TD Canada Trust Annually At maturity no 500 1.000 1.250 1.350 1.500 1.600 -
Tangerine Annually At maturity no 1 1.300 1.300 1.800 1.500 2.000 -
Great-West Life Not compounded Monthly no 500 1.000 1.000 1.150 1.450 1.500 1.650
Great-West Life Not compounded Monthly no 25,000 1.000 1.000 1.150 1.450 1.500 1.650
Great-West Life Not compounded Monthly no 50,000 1.000 1.000 1.150 1.450 1.500 1.650
Great-West Life Not compounded Monthly yes 500 1.000 1.000 1.150 1.450 1.500 1.650
Great-West Life Not compounded Monthly yes 25,000 1.000 1.000 1.150 1.450 1.500 1.650
Great-West Life Not compounded Monthly yes 50,000 1.000 1.000 1.150 1.450 1.500 1.650
Manulife Investments Annually At maturity yes 2,500 0.750 1.000 1.300 1.450 1.550 1.600
Rapport Credit Union Annually At maturity no 40,000 1.250 1.350 1.400 1.450 1.900 -
Rapport Credit Union Annually At maturity no 20,000 1.250 1.350 1.400 1.450 1.900 -
Desjardins - Caisses Annually At maturity no 500 0.900 1.100 1.150 1.300 1.550 -
Desjardins - Fiducie Annually At maturity no 500 0.900 1.100 1.150 1.300 1.550 -
Laurentian Bank Canada Not compounded Annually no 500 - 1.100 1.150 1.300 1.600 1.600
Laurentian Bank Canada Annually Annually no 500 - 1.100 1.150 1.300 1.600 1.600
National Bank Annually At maturity no 500 0.900 1.100 1.150 1.300 1.600 -
BMO Bank of Montreal Not compounded Annually no 250,000 0.850 1.050 1.150 1.250 1.500 1.500
BMO Bank of Montreal Annually At maturity no 250,000 0.850 1.050 1.150 1.250 1.500 1.500
Royal Bank of Canada Semi-annually At maturity yes 500 0.650 1.000 1.100 1.250 1.350 -
Rapport Credit Union Annually At maturity no 10,000 1.000 1.100 1.150 1.200 1.700 -
Rapport Credit Union Annually At maturity no 1,000 1.000 1.100 1.150 1.200 1.700 -
Rapport Credit Union Annually At maturity no 5,000 1.000 1.100 1.150 1.200 1.700 -
Bank of Nova Scotia Annually At maturity no 500 0.850 1.000 1.050 1.100 1.250 -
Bk Nova Scotia Mtg. Corp Annually At maturity no 500 0.850 1.000 1.050 1.100 1.250 -
CIBC Annually At maturity no 500 0.550 0.650 0.850 1.050 1.250 -
Laurentian Bank Canada Not compounded Quarterly no 500 0.650 0.850 0.900 1.050 1.350 1.350
Laurentian Bank Canada Not compounded Semi-annually no 500 0.650 0.850 0.900 1.050 1.350 1.350
Laurentian Bank Canada Annually Annually yes 500 - 0.800 0.900 1.050 1.250 -
Laurentian Bank Canada Not compounded Annually yes 500 - 0.800 0.900 1.050 1.250 -
BMO Bank of Montreal Annually At maturity yes 250,000 0.600 0.800 0.900 1.000 1.250 -
National Bank Annually At maturity yes 500 0.650 0.800 0.850 0.900 1.150 -
Laurentian Bank Canada Not compounded Semi-annually yes 500 0.300 0.500 0.650 0.800 1.000 -
Laurentian Bank Canada Not compounded Monthly no 500 0.550 0.600 0.650 0.800 1.100 1.100
Laurentian Bank Canada Not compounded Monthly yes 500 0.300 0.250 0.400 0.550 0.750 -
ATB Financial Annually At maturity yes 500 0.350 0.350 0.350 0.350 0.350 -
ATB Financial Semi-annually At maturity yes 500 0.100 0.100 0.100 0.100 0.100 -
Alterna Savings Not compounded Annually yes 500 0.750 - - - - -
CIBC Not compounded Annually cashable 500 0.450 - - - - -
CIBC Annually At maturity yes 500 0.300 0.400 0.600 - - -
Hubert Financial Annually At maturity yes 1,000 2.050 - - - - -
Laurentian Bank Canada Not compounded At maturity no 500 0.900 0.900 - - - -
Laurentian Bank Canada Not compounded At maturity yes 500 0.650 0.650 - - - -

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 September 25, 2017

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

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