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

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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
Industrial Alliance Annually At maturity yes 200,000 1.350 1.650 2.750 2.850 1.850 -
Industrial Alliance Not compounded Annually yes 200,000 1.350 1.650 2.750 2.850 1.850 -
Industrial Alliance Annually At maturity yes 100,000 1.300 1.600 2.700 2.800 1.800 -
Industrial Alliance Not compounded Annually yes 100,000 1.300 1.600 2.700 2.800 1.800 -
MAXA Financial Not compounded Annually no 500 2.300 2.500 2.650 2.800 2.950 -
MCAN Mortgage Corp. Annually At maturity no 25,000 1.850 2.350 2.700 2.800 2.950 -
MCAN Mortgage Corp. Not compounded Annually no 100,000 1.850 2.350 2.700 2.800 2.950 -
MCAN Mortgage Corp. Not compounded Annually no 25,000 1.850 2.350 2.700 2.800 2.950 -
MCAN Mortgage Corp. Annually At maturity no 100,000 1.850 2.350 2.700 2.800 2.950 -
AcceleRate Financial Not compounded Annually no 1,000 2.250 2.450 2.600 2.750 3.000 2.950
AcceleRate Financial Annually At maturity no 1,000 2.250 2.450 2.600 2.750 3.000 2.950
Achieva Financial Not compounded Annually no 1,000 2.250 2.450 2.600 2.750 2.900 -
Industrial Alliance Annually At maturity yes 25,000 1.250 1.550 2.650 2.750 1.750 -
Industrial Alliance Not compounded Annually yes 25,000 1.250 1.550 2.650 2.750 1.750 -
Oaken Financial Not compounded Annually no 1,000 2.000 2.350 2.650 2.750 3.000 -
Oaken Financial Annually At maturity no 1,000 2.000 2.350 2.650 2.750 3.000 -
Outlook Financial Not compounded Annually yes 1,000 2.250 2.450 2.600 2.750 2.900 -
Outlook Financial Annually At maturity yes 1,000 2.250 2.450 2.600 2.750 2.900 -
Motive Financial Annually At maturity no 100,000 1.830 2.280 2.650 2.720 2.970 -
Motive Financial Annually At maturity no 1,000 1.830 2.280 2.650 2.720 2.970 -
Motive Financial Not compounded Annually no 100,000 1.830 2.280 2.650 2.720 2.970 -
Motive Financial Not compounded Annually no 1,000 1.830 2.280 2.650 2.720 2.970 -
Hubert Financial Not compounded Annually no 1,000 - 2.400 2.450 2.700 3.000 -
MCAN Mortgage Corp. Annually At maturity no 5,000 1.750 2.250 2.600 2.700 2.850 -
MCAN Mortgage Corp. Not compounded Annually no 5,000 1.750 2.250 2.600 2.700 2.850 -
Oaken Financial Not compounded Semi-annually no 1,000 1.950 2.300 2.600 2.700 2.950 -
Entegra Credit Union Not compounded Annually no 1,000 2.150 2.350 2.500 2.650 2.800 -
Entegra Credit Union Annually At maturity no 1,000 2.150 2.350 2.500 2.650 2.800 -
Oaken Financial Not compounded Monthly no 1,000 1.900 2.250 2.550 2.650 2.900 -
Steinbach Credit Union Not compounded Annually no 500 2.150 2.400 2.500 2.650 3.000 -
Steinbach Credit Union Annually At maturity no 500 2.150 2.400 2.500 2.650 3.000 -
Industrial Alliance Annually At maturity yes 1,000 1.100 1.400 2.500 2.600 1.600 -
Industrial Alliance Not compounded Annually yes 1,000 1.100 1.400 2.500 2.600 1.600 -
Outlook Financial Not compounded Monthly yes 1,000 2.100 2.300 2.450 2.600 2.750 -
Equity Financial Trust Not compounded Annually no 5,000 1.960 2.460 2.710 2.560 2.770 -
Equity Financial Trust Annually At maturity no 5,000 1.960 2.460 2.710 2.560 2.770 -
General Bank of Canada Annually At maturity no 5,000 1.630 2.100 2.400 2.560 2.720 -
General Bank of Canada Not compounded Annually no 5,000 1.630 2.100 2.400 2.560 2.720 -
Home Bank - Agent Annually At maturity no 5,000 1.800 2.250 2.450 2.550 2.800 -
Home Bank - Agent Not compounded Annually no 5,000 1.800 2.250 2.450 2.550 2.800 -
Canadian Western Bank Annually At maturity no 1,000 1.630 2.080 2.450 2.520 2.770 -
Canadian Western Bank Not compounded Annually no 1,000 1.630 2.080 2.450 2.520 2.770 -
HomEquity Bank Annually At maturity no 5,000 1.100 1.400 1.500 2.500 2.760 -
HomEquity Bank Not compounded Annually no 5,000 1.100 1.400 1.500 2.500 2.760 -
Home Bank - Agent Not compounded Semi-annually no 5,000 1.750 2.200 2.400 2.500 2.750 -
Home Trust Company-Agent Not compounded Annually no 5,000 1.750 2.200 2.400 2.500 2.750 -
Home Trust Company-Agent Annually At maturity no 5,000 1.750 2.200 2.400 2.500 2.750 -
Equitable Bank Not compounded Annually no 1,000 1.720 2.200 2.430 2.490 2.750 -
Equitable Bank Annually At maturity no 1,000 1.720 2.200 2.430 2.490 2.750 -
VersaBank (Pac&WestBank) Annually At maturity no 1,000 1.670 2.100 2.410 2.480 2.510 -
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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 December 15, 2017

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

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