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Other GICs
Savings Rates | GIC/GIA: 1 to 6 years (Registered)
| 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 | 2.000 | 2.200 | 2.300 | 2.400 | 2.500 | - |
|---|---|---|---|---|---|---|---|---|---|---|
| Peoples Trust | Annually | At maturity | no | 1,000 | 2.050 | 2.200 | 2.250 | 2.300 | 2.450 | - |
| AcceleRate Financial | Annually | At maturity | no | 500 | 1.850 | 1.950 | 2.000 | 2.150 | 2.300 | 2.350 |
| Achieva Financial | Annually | At maturity | no | 1,000 | 1.850 | 1.950 | 2.000 | 2.150 | 2.300 | - |
| Hubert Financial | Annually | At maturity | no | 1,000 | - | 2.000 | 2.050 | 2.150 | 2.300 | - |
| Outlook Financial | Annually | At maturity | yes | 1,000 | 1.850 | 1.950 | 2.000 | 2.150 | 2.300 | - |
| Outlook Financial | Not compounded | Annually | yes | 1,000 | 1.850 | 1.950 | 2.000 | 2.150 | 2.300 | - |
| Comtech Credit Union | Annually | At maturity | no | 200,000 | 1.800 | 1.650 | 1.750 | 2.150 | 2.250 | - |
| Comtech Credit Union | Annually | At maturity | no | 50,000 | 1.800 | 1.650 | 1.750 | 2.150 | 2.250 | - |
| Comtech Credit Union | Annually | At maturity | no | 1,000 | 1.800 | 1.650 | 1.750 | 2.150 | 2.250 | - |
| Comtech Credit Union | Annually | At maturity | no | 100,000 | 1.800 | 1.650 | 1.750 | 2.150 | 2.250 | - |
| MAXA Financial | Not compounded | Annually | no | 500 | 1.800 | 1.900 | 1.950 | 2.100 | 2.250 | - |
| Rapport Credit Union | Annually | At maturity | no | 60,000 | 1.400 | 1.500 | 1.550 | 1.600 | 2.250 | - |
| Rapport Credit Union | Annually | At maturity | no | 100,000 | 1.400 | 1.500 | 1.550 | 1.600 | 2.250 | - |
| Community Trust | Annually | At maturity | no | 50,000 | 1.960 | 2.110 | 2.150 | 2.180 | 2.200 | - |
| Entegra Credit Union | Not compounded | Annually | no | 1,000 | 1.750 | 1.850 | 1.900 | 2.050 | 2.200 | - |
| Entegra Credit Union | Annually | At maturity | no | 1,000 | 1.750 | 1.850 | 1.900 | 2.050 | 2.200 | - |
| Parama Credit Union | Annually | At maturity | no | 1,000 | 1.600 | 1.750 | 1.900 | 2.050 | 2.200 | - |
| Steinbach Credit Union | Annually | At maturity | no | 500 | 1.750 | 1.850 | 1.900 | 2.050 | 2.200 | - |
| Outlook Financial | Not compounded | Monthly | yes | 1,000 | 1.700 | 1.800 | 1.850 | 2.000 | 2.150 | - |
| Peace Hills Trust | Not compounded | Annually | no | 1,000 | 1.450 | 1.650 | 1.750 | 2.150 | 2.150 | - |
| Peace Hills Trust | Annually | At maturity | no | 1,000 | 1.450 | 1.650 | 1.750 | 2.150 | 2.150 | - |
| Rapport Credit Union | Annually | At maturity | no | 40,000 | 1.250 | 1.350 | 1.400 | 1.450 | 2.100 | - |
| ICICI Bank Canada | Annually | At maturity | yes | 1,000 | 1.350 | 1.550 | 1.650 | 1.850 | 2.050 | - |
| MCAN Mortgage Corp. | Not compounded | Annually | no | 100,000 | 1.450 | 1.650 | 1.800 | 1.900 | 2.050 | - |
| MCAN Mortgage Corp. | Annually | At maturity | no | 100,000 | 1.450 | 1.650 | 1.800 | 1.900 | 2.050 | - |
| Canadian Direct Fin'l | Annually | At maturity | no | 500 | 1.500 | 1.650 | 1.800 | 1.900 | 2.000 | - |
| Community Trust | Annually | At maturity | no | 1,000 | 1.760 | 1.910 | 1.950 | 1.980 | 2.000 | - |
| First Calgary Financial | Annually | At maturity | no | 500 | 0.900 | 1.100 | 1.150 | 1.300 | 2.000 | - |
| MCAN Mortgage Corp. | Annually | At maturity | no | 25,000 | 1.400 | 1.600 | 1.750 | 1.850 | 2.000 | - |
| MCAN Mortgage Corp. | Not compounded | Annually | no | 25,000 | 1.400 | 1.600 | 1.750 | 1.850 | 2.000 | - |
| Meridian Credit Union | Annually | At maturity | no | 500 | 1.250 | 1.350 | 1.550 | 1.750 | 2.000 | - |
| State Bank of India (C) | Annually | Annually | no | 1,000 | 1.300 | 1.400 | 1.600 | 1.800 | 2.000 | - |
| ATB Financial | Annually | At maturity | no | 500 | 1.460 | 1.650 | 1.770 | 1.810 | 1.950 | - |
| DUCA Financial Services | Annually | At maturity | no | 500 | 1.200 | 1.400 | 1.650 | 1.750 | 1.950 | 1.950 |
| MCAN Mortgage Corp. | Annually | At maturity | no | 5,000 | 1.350 | 1.550 | 1.700 | 1.800 | 1.950 | - |
| MCAN Mortgage Corp. | Not compounded | Annually | no | 5,000 | 1.350 | 1.550 | 1.700 | 1.800 | 1.950 | - |
| FirstOntario Credit Un. | Annually | At maturity | no | 500 | 1.900 | 1.700 | 1.800 | 2.000 | 1.900 | - |
| Home Bank - Agent | Annually | At maturity | no | 1,000 | 1.460 | 1.600 | 1.700 | 1.800 | 1.900 | - |
| Home Trust Company-Agent | Annually | At maturity | no | 1,000 | 1.460 | 1.600 | 1.700 | 1.800 | 1.900 | - |
| Libro Credit Union | Not compounded | Annually | no | 500 | 1.150 | 1.500 | 1.650 | 1.800 | 1.900 | - |
| President's Choice Fin'l | Not compounded | Annually | no | 100 | 1.400 | 1.350 | 1.500 | 1.600 | 1.900 | - |
| President's Choice Fin'l | Annually | At maturity | no | 100 | 1.400 | 1.350 | 1.500 | 1.600 | 1.900 | - |
| Rapport Credit Union | Annually | At maturity | no | 10,000 | 1.000 | 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 | - |
| Tangerine | Annually | At maturity | no | 1 | 1.400 | 1.600 | 1.700 | 1.800 | 1.900 | - |
| Zag Bank | Not compounded | Annually | no | 250 | 1.350 | 1.600 | 1.700 | 1.800 | 1.900 | - |
| Coast Capital Savings | Annually | At maturity | no | 1,000 | 1.200 | 1.300 | 1.500 | 1.600 | 1.850 | - |
| Effort Trust | Annually | At maturity | no | 1,000 | 1.500 | 1.750 | 1.750 | 1.800 | 1.850 | - |
| Industrial Alliance | Annually | At maturity | yes | 200,000 | 1.400 | 1.900 | 2.050 | 2.000 | 1.800 | - |
| Industrial Alliance | Not compounded | Annually | yes | 200,000 | 1.400 | 1.900 | 2.050 | 2.000 | 1.800 | - |
| VersaBank (Pac&WestBank) | Annually | At maturity | no | 1,000 | 1.410 | 1.470 | 1.550 | 1.660 | 1.800 | - |
| Your Neighbourhood C.U. | Annually | At maturity | no | 100,000 | 1.400 | 1.400 | 1.550 | 1.700 | 1.800 | - |
| Your Neighbourhood C.U. | Not compounded | Annually | no | 100,000 | 1.400 | 1.400 | 1.550 | 1.700 | 1.800 | - |
| B2B Bank | Not compounded | Semi-annually | no | 1,000 | 1.300 | 1.610 | 1.710 | 1.700 | 1.760 | - |
| Canadian Western Bank | Annually | At maturity | no | 500 | 1.250 | 1.400 | 1.550 | 1.650 | 1.750 | - |
| Canadian Western Trust | Annually | At maturity | no | 5,000 | 1.250 | 1.400 | 1.550 | 1.650 | 1.750 | - |
| Empire Life | Annually | At maturity | yes | 100,000 | 0.850 | 0.850 | 1.000 | 1.100 | 1.750 | 1.450 |
| Industrial Alliance | Not compounded | Annually | yes | 100,000 | 1.350 | 1.850 | 2.000 | 1.950 | 1.750 | - |
| Industrial Alliance | Annually | At maturity | yes | 100,000 | 1.350 | 1.850 | 2.000 | 1.950 | 1.750 | - |
| Luminus Financial | Annually | At maturity | no | 500 | 1.300 | 1.400 | 1.500 | 1.650 | 1.750 | - |
| Your Neighbourhood C.U. | Not compounded | Annually | no | 20,000 | 1.350 | 1.350 | 1.500 | 1.650 | 1.750 | - |
| Your Neighbourhood C.U. | Annually | At maturity | no | 20,000 | 1.350 | 1.350 | 1.500 | 1.650 | 1.750 | - |
| ATB Financial | Semi-annually | At maturity | no | 500 | 1.210 | 1.400 | 1.520 | 1.770 | 1.700 | - |
| Industrial Alliance | Not compounded | Annually | yes | 25,000 | 1.300 | 1.800 | 1.950 | 1.900 | 1.700 | - |
| Industrial Alliance | Annually | At maturity | yes | 25,000 | 1.300 | 1.800 | 1.950 | 1.900 | 1.700 | - |
| Manulife Bank | Annually | At maturity | no | 2,500 | 1.150 | 1.350 | 1.450 | 1.600 | 1.700 | - |
| Rapport Credit Union | Annually | At maturity | no | 5,000 | 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 | - |
| Your Neighbourhood C.U. | Not compounded | Annually | no | 500 | 1.300 | 1.300 | 1.450 | 1.600 | 1.700 | - |
| Your Neighbourhood C.U. | Annually | At maturity | no | 500 | 1.300 | 1.300 | 1.450 | 1.600 | 1.700 | - |
| Sun Life - Trust | Not compounded | Annually | no | 1,000 | 0.900 | 1.100 | 1.150 | 1.400 | 1.650 | - |
| Sun Life - Trust | Annually | At maturity | no | 1,000 | 0.900 | 1.100 | 1.150 | 1.400 | 1.650 | - |
| Empire Life | Annually | At maturity | yes | 50,000 | 0.725 | 0.725 | 0.875 | 0.975 | 1.625 | 1.325 |
| Alterna Bank | Annually | At maturity | no | 500 | 1.350 | 1.200 | 1.200 | 1.350 | 1.600 | - |
| Alterna Savings | Annually | At maturity | no | 500 | 1.350 | 1.200 | 1.200 | 1.350 | 1.600 | - |
| PACE Savings & Credit Un | Annually | At maturity | no | 1,000 | 1.000 | 1.200 | 1.400 | 1.500 | 1.600 | - |
| Royal Bank of Canada | Annually | At maturity | no | 500 | 0.900 | 1.100 | 1.150 | 1.200 | 1.600 | - |
| Royal Bank of Canada | Not compounded | Annually | no | 500 | 0.900 | 1.100 | 1.150 | 1.200 | 1.600 | - |
| Industrial Alliance | Annually | At maturity | yes | 1,000 | 1.150 | 1.650 | 1.800 | 1.750 | 1.550 | - |
| Industrial Alliance | Not compounded | Annually | yes | 1,000 | 1.150 | 1.650 | 1.800 | 1.750 | 1.550 | - |
| BMO Bank of Montreal | Not compounded | Annually | no | 1,000 | 0.850 | 1.050 | 1.150 | 1.250 | 1.500 | 1.500 |
| BMO Bank of Montreal | Annually | At maturity | no | 1,000 | 0.850 | 1.050 | 1.150 | 1.250 | 1.500 | 1.500 |
| Bank of Nova Scotia | Annually | At maturity | no | 500 | 0.900 | 1.100 | 1.150 | 1.300 | 1.500 | - |
| Bk Nova Scotia Mtg. Corp | Annually | At maturity | no | 500 | 0.900 | 1.100 | 1.150 | 1.300 | 1.500 | - |
| Caisses Desjardins | Not compounded | Annually | no | 1,000 | 0.850 | 1.100 | 1.150 | 1.300 | 1.500 | - |
| Empire Life | Annually | At maturity | yes | 500 | 0.600 | 0.600 | 0.750 | 0.850 | 1.500 | 1.200 |
| Fiducie Desjardins | Not compounded | Annually | no | 1,000 | 0.850 | 1.100 | 1.150 | 1.300 | 1.500 | - |
| Laurentian Bank Canada | Not compounded | Annually | no | 500 | - | 1.000 | 1.150 | 1.300 | 1.500 | 1.500 |
| Laurentian Bank Canada | Annually | Annually | no | 500 | - | 1.000 | 1.150 | 1.300 | 1.500 | 1.500 |
| National Bank | Annually | At maturity | no | 500 | 0.900 | 1.100 | 1.200 | 1.350 | 1.500 | - |
| TD Canada Trust | Not compounded | Annually | no | 500 | 0.850 | 0.900 | 1.000 | 1.050 | 1.500 | - |
| TD Canada Trust | Annually | At maturity | no | 500 | 0.850 | 0.900 | 1.000 | 1.050 | 1.500 | - |
| Equitable Life | Annually | At maturity | yes | 25,000 | 0.650 | 1.000 | 1.050 | 1.200 | 1.400 | - |
| Equitable Life | Annually | At maturity | yes | 500 | 0.650 | 1.000 | 1.050 | 1.200 | 1.400 | - |
| Equitable Life | Annually | At maturity | yes | 50,000 | 0.650 | 1.000 | 1.050 | 1.200 | 1.400 | - |
| Sun Life - Insurance | Not compounded | Annually | yes | 1,000 | 0.650 | 0.650 | 0.700 | 1.100 | 1.400 | - |
| Sun Life - Insurance | Annually | At maturity | yes | 1,000 | 0.650 | 0.650 | 0.700 | 1.100 | 1.400 | - |
| Sun Life - Trust | Not compounded | Annually | yes | 1,000 | 0.650 | 0.650 | 0.700 | 1.100 | 1.400 | - |
| Sun Life - Trust | Annually | At maturity | yes | 1,000 | 0.650 | 0.650 | 0.700 | 1.100 | 1.400 | - |
| WFCU Credit Union | Annually | At maturity | no | 500 | 0.850 | 0.950 | 1.050 | 1.150 | 1.400 | - |
| Royal Bank of Canada | Semi-annually | At maturity | yes | 500 | 0.650 | 0.850 | 0.900 | 0.950 | 1.350 | - |
| BMO Bank of Montreal | Annually | At maturity | yes | 1,000 | 0.600 | 0.800 | 0.900 | 1.000 | 1.250 | - |
| CIBC | Annually | At maturity | no | 500 | 0.550 | 0.650 | 0.850 | 1.050 | 1.250 | - |
| HSBC Bank Canada | Annually | At maturity | no | 500 | 0.850 | 0.900 | 0.950 | 1.050 | 1.250 | - |
| HSBC Bank Canada | Annually | At maturity | no | 50,000 | 0.850 | 0.900 | 0.950 | 1.050 | 1.250 | - |
| Laurentian Bank Canada | Not compounded | Quarterly | no | 500 | 0.600 | 0.750 | 0.900 | 1.050 | 1.250 | 1.250 |
| Laurentian Bank Canada | Not compounded | Annually | yes | 500 | - | 0.750 | 0.900 | 1.050 | 1.250 | - |
| Laurentian Bank Canada | Not compounded | Semi-annually | no | 500 | 0.600 | 0.750 | 0.900 | 1.050 | 1.250 | 1.250 |
| Laurentian Bank Canada | Annually | Annually | yes | 500 | - | 0.750 | 0.900 | 1.050 | 1.250 | - |
| Manulife Investments | Annually | At maturity | no | 2,500 | 0.650 | 0.700 | 0.950 | 1.050 | 1.200 | 1.300 |
| National Bank | Annually | At maturity | yes | 500 | 0.650 | 0.800 | 0.900 | 1.050 | 1.200 | - |
| Laurentian Bank Canada | Not compounded | Semi-annually | yes | 500 | 0.250 | 0.500 | 0.650 | 0.800 | 1.000 | - |
| Laurentian Bank Canada | Not compounded | Monthly | no | 500 | 0.500 | 0.500 | 0.650 | 0.800 | 1.000 | 1.000 |
| Canada Life | Annually | At maturity | yes | 75,000 | 0.400 | 0.450 | 0.650 | 0.800 | 0.950 | 1.100 |
| Great-West Life | Annually | At maturity | yes | 50,000 | 0.400 | 0.450 | 0.650 | 0.800 | 0.950 | 1.100 |
| Great-West Life | Not compounded | Annually | no | 50,000 | 0.400 | 0.450 | 0.650 | 0.800 | 0.950 | 1.100 |
| Great-West Life | Annually | At maturity | no | 50,000 | 0.400 | 0.450 | 0.650 | 0.800 | 0.950 | 1.100 |
| Great-West Life | Not compounded | Annually | yes | 50,000 | 0.400 | 0.450 | 0.650 | 0.800 | 0.950 | 1.100 |
| London Life | Annually | At maturity | yes | 50,000 | 0.400 | 0.450 | 0.650 | 0.800 | 0.950 | - |
| Manulife Investments | Annually | At maturity | yes | 2,500 | 0.400 | 0.450 | 0.700 | 0.800 | 0.950 | 1.050 |
| Great-West Life | Not compounded | Monthly | no | 50,000 | 0.300 | 0.350 | 0.550 | 0.700 | 0.850 | 1.000 |
| Great-West Life | Not compounded | Monthly | yes | 50,000 | 0.300 | 0.350 | 0.550 | 0.700 | 0.850 | 1.000 |
| Canada Life | Annually | At maturity | yes | 25,000 | 0.275 | 0.325 | 0.525 | 0.675 | 0.825 | 0.975 |
| Great-West Life | Annually | At maturity | yes | 25,000 | 0.275 | 0.325 | 0.525 | 0.675 | 0.825 | 0.975 |
| Great-West Life | Not compounded | Annually | no | 25,000 | 0.275 | 0.325 | 0.525 | 0.675 | 0.825 | 0.975 |
| Great-West Life | Annually | At maturity | no | 25,000 | 0.275 | 0.325 | 0.525 | 0.675 | 0.825 | 0.975 |
| Great-West Life | Not compounded | Annually | yes | 25,000 | 0.275 | 0.325 | 0.525 | 0.675 | 0.825 | 0.975 |
| Laurentian Bank Canada | Not compounded | Monthly | yes | 500 | 0.250 | 0.250 | 0.400 | 0.550 | 0.750 | - |
| Great-West Life | Not compounded | Monthly | no | 25,000 | 0.175 | 0.225 | 0.425 | 0.575 | 0.725 | 0.875 |
| Great-West Life | Not compounded | Monthly | yes | 25,000 | 0.175 | 0.225 | 0.425 | 0.575 | 0.725 | 0.875 |
| Canada Life | Annually | At maturity | yes | 1,000 | 0.150 | 0.200 | 0.400 | 0.550 | 0.700 | 0.850 |
| Great-West Life | Not compounded | Annually | no | 500 | 0.150 | 0.200 | 0.400 | 0.550 | 0.700 | 0.850 |
| Great-West Life | Annually | At maturity | no | 500 | 0.150 | 0.200 | 0.400 | 0.550 | 0.700 | 0.850 |
| Great-West Life | Not compounded | Annually | yes | 500 | 0.150 | 0.200 | 0.400 | 0.550 | 0.700 | 0.850 |
| Great-West Life | Annually | At maturity | yes | 500 | 0.150 | 0.200 | 0.400 | 0.550 | 0.700 | 0.850 |
| London Life | Annually | At maturity | yes | 1,000 | 0.150 | 0.200 | 0.400 | 0.550 | 0.700 | - |
| Great-West Life | Not compounded | Monthly | no | 500 | 0.050 | 0.100 | 0.300 | 0.450 | 0.600 | 0.750 |
| Great-West Life | Not compounded | Monthly | yes | 500 | 0.050 | 0.100 | 0.300 | 0.450 | 0.600 | 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 Bank | Not compounded | Annually | yes | 500 | 0.750 | - | - | - | - | - |
| Alterna Savings | Not compounded | Annually | yes | 500 | 0.750 | - | - | - | - | - |
| CIBC | Annually | At maturity | yes | 500 | 0.300 | 0.400 | 0.600 | - | - | - |
| CIBC | Not compounded | Annually | cashable | 500 | 0.500 | - | - | - | - | - |
| Hubert Financial | Annually | At maturity | yes | 1,000 | 1.950 | - | - | - | - | - |
| Laurentian Bank Canada | Not compounded | At maturity | no | 500 | 0.850 | - | - | - | - | - |
| Laurentian Bank Canada | Not compounded | At maturity | yes | 500 | 0.600 | - | - | - | - | - |
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 29, 2016
This information is current as of the date and time posted and is subject to change without notice.
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