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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 | |||||
| AcceleRate Financial | Annually | At maturity | no | 500 | 2.200 | 2.400 | 2.600 | 2.800 | 3.100 | 3.150 |
|---|---|---|---|---|---|---|---|---|---|---|
| MAXA Financial | Not compounded | Annually | yes | 500 | 2.200 | 2.400 | 2.600 | 2.800 | 3.100 | 0.000 |
| Outlook Financial | Not compounded | Annually | yes | 1,000 | 2.200 | 2.400 | 2.700 | 2.850 | 3.100 | - |
| Outlook Financial | Annually | At maturity | yes | 1,000 | 2.200 | 2.400 | 2.700 | 2.850 | 3.100 | - |
| Oaken Financial | Annually | At maturity | no | 1,000 | 2.050 | 2.200 | 2.400 | 2.600 | 3.050 | - |
| Achieva Financial | Annually | At maturity | no | 1,000 | 2.150 | 2.350 | 2.550 | 2.750 | 3.000 | - |
| ICICI Bank Canada | Annually | At maturity | yes | 1,000 | 1.750 | 2.050 | 2.500 | 2.600 | 3.000 | - |
| Steinbach Credit Union | Annually | At maturity | no | 500 | 2.100 | 2.300 | 2.550 | 2.750 | 3.000 | - |
| Outlook Financial | Not compounded | Monthly | yes | 1,000 | 2.050 | 2.250 | 2.550 | 2.700 | 2.950 | - |
| Entegra Credit Union | Annually | At maturity | no | 1,000 | 2.000 | 2.200 | 2.400 | 2.650 | 2.900 | - |
| Entegra Credit Union | Not compounded | Annually | no | 1,000 | 2.000 | 2.200 | 2.400 | 2.650 | 2.900 | - |
| Canadian Direct Fin'l | Annually | At maturity | no | 500 | 1.850 | 2.100 | 2.350 | 2.700 | 2.850 | - |
| ATB Financial | Annually | At maturity | no | 500 | 1.550 | 1.870 | 2.100 | 2.100 | 2.770 | - |
| DUCA Financial Services | Annually | At maturity | no | 500 | 1.600 | 1.800 | 2.100 | 2.400 | 2.770 | 2.770 |
| Concentra Financial | Annually | At maturity | no | 1,000 | 1.200 | 1.300 | 1.500 | 1.600 | 2.700 | - |
| Canadian Western Bank | Annually | At maturity | no | 500 | 1.600 | 1.850 | 2.100 | 2.450 | 2.600 | - |
| Effort Trust | Annually | At maturity | no | 1,000 | 1.500 | 1.850 | 2.100 | 2.350 | 2.600 | - |
| Empire Life | Annually | At maturity | yes | 100,000 | 1.350 | 1.550 | 1.850 | 2.150 | 2.550 | 2.550 |
| Home Trust Company | Annually | At maturity | no | 1,000 | 1.600 | 1.800 | 2.050 | 2.300 | 2.550 | - |
| ING Direct | Annually | At maturity | yes | 1 | 1.350 | 1.650 | 1.900 | 2.200 | 2.550 | - |
| Manulife Bank | Annually | At maturity | no | 2,500 | 1.410 | 1.600 | 1.900 | 2.250 | 2.550 | - |
| 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 | 1.600 | 1.750 | 2.000 | 2.350 | 2.550 | - |
| Your Neighbourhood C.U. | Not compounded | Annually | no | 100,000 | 1.600 | 1.750 | 2.000 | 2.350 | 2.550 | - |
| ATB Financial | Semi-annually | At maturity | no | 500 | 1.300 | 1.620 | 1.850 | 1.850 | 2.520 | - |
| President's Choice Fin'l | Not compounded | Annually | no | 100 | 1.400 | 1.650 | 1.900 | 2.200 | 2.500 | - |
| President's Choice Fin'l | Annually | At maturity | no | 100 | 1.400 | 1.650 | 1.900 | 2.200 | 2.500 | - |
| State Bank of India (C) | Annually | Annually | no | 2,000 | 1.650 | 1.900 | 2.250 | 2.350 | 2.500 | - |
| Your Neighbourhood C.U. | Not compounded | Annually | no | 20,000 | 1.550 | 1.700 | 1.950 | 2.300 | 2.500 | - |
| Your Neighbourhood C.U. | Annually | At maturity | no | 20,000 | 1.550 | 1.700 | 1.950 | 2.300 | 2.500 | - |
| Meridian Credit Union | Annually | At maturity | no | 500 | 1.500 | 1.600 | 1.900 | 2.300 | 2.480 | - |
| B2B Bank | Annually | At maturity | no | 1,000 | 1.450 | 1.750 | 1.900 | 2.200 | 2.450 | - |
| Your Neighbourhood C.U. | Not compounded | Annually | no | 500 | 1.500 | 1.650 | 1.900 | 2.250 | 2.450 | - |
| Your Neighbourhood C.U. | Annually | At maturity | no | 500 | 1.500 | 1.650 | 1.900 | 2.250 | 2.450 | - |
| Empire Life | Annually | At maturity | yes | 50,000 | 1.225 | 1.425 | 1.725 | 2.025 | 2.425 | 2.425 |
| Equitable Life | Annually | At maturity | yes | 50,000 | 1.425 | 1.600 | 1.825 | 2.075 | 2.425 | - |
| CFF Bank | Annually | At maturity | no | 25,000 | 2.050 | 2.000 | 2.000 | 2.150 | 2.400 | - |
| CFF Bank | Not compounded | Annually | no | 25,000 | 2.050 | 2.000 | 2.000 | 2.150 | 2.400 | - |
| Community Trust | Annually | At maturity | no | 1,000 | 1.450 | 1.650 | 1.900 | 2.200 | 2.400 | - |
| Comtech Credit Union | Annually | At maturity | no | 50,000 | 2.150 | 1.700 | 2.000 | 2.150 | 2.400 | - |
| Comtech Credit Union | Annually | At maturity | no | 1,000 | 1.650 | 1.700 | 2.000 | 2.150 | 2.400 | - |
| Comtech Credit Union | Annually | At maturity | no | 100,000 | 2.150 | 1.700 | 2.000 | 2.150 | 2.400 | - |
| Comtech Credit Union | Annually | At maturity | no | 200,000 | 2.150 | 1.700 | 2.000 | 2.150 | 2.400 | - |
| MCAN Mortgage Corp. | Not compounded | Annually | no | 100,000 | 1.650 | 1.800 | 2.050 | 2.200 | 2.400 | - |
| MCAN Mortgage Corp. | Annually | At maturity | no | 100,000 | 1.650 | 1.800 | 2.050 | 2.200 | 2.400 | - |
| Peace Hills Trust | Annually | At maturity | no | 1,000 | 1.450 | 1.750 | 2.000 | 2.250 | 2.400 | - |
| Peace Hills Trust | Not compounded | Annually | no | 1,000 | 1.450 | 1.750 | 2.000 | 2.250 | 2.400 | - |
| CFF Bank | Annually | At maturity | no | 5,000 | 2.000 | 1.950 | 1.950 | 2.100 | 2.350 | - |
| CFF Bank | Not compounded | Annually | no | 5,000 | 2.000 | 1.950 | 1.950 | 2.100 | 2.350 | - |
| First Calgary Financial | Annually | At maturity | no | 500 | 1.250 | 1.650 | 1.700 | 1.750 | 2.350 | - |
| FirstOntario Credit Un. | Annually | At maturity | no | 500 | 1.900 | 1.750 | 2.000 | 2.300 | 2.350 | - |
| MCAN Mortgage Corp. | Annually | At maturity | no | 25,000 | 1.600 | 1.750 | 2.000 | 2.150 | 2.350 | - |
| MCAN Mortgage Corp. | Not compounded | Annually | no | 25,000 | 1.600 | 1.750 | 2.000 | 2.150 | 2.350 | - |
| Alterna Bank | Annually | At maturity | no | 500 | 1.400 | 1.800 | 2.150 | 2.200 | 2.300 | - |
| Alterna Savings | Annually | At maturity | no | 500 | 1.400 | 1.800 | 2.150 | 2.200 | 2.300 | - |
| Empire Life | Annually | At maturity | yes | 500 | 1.100 | 1.300 | 1.600 | 1.900 | 2.300 | 2.300 |
| Equitable Life | Annually | At maturity | yes | 500 | 1.300 | 1.475 | 1.700 | 1.950 | 2.300 | - |
| Equitable Life | Annually | At maturity | yes | 25,000 | 1.300 | 1.475 | 1.700 | 1.950 | 2.300 | - |
| MCAN Mortgage Corp. | Annually | At maturity | no | 5,000 | 1.550 | 1.700 | 1.950 | 2.100 | 2.300 | - |
| MCAN Mortgage Corp. | Not compounded | Annually | no | 5,000 | 1.550 | 1.700 | 1.950 | 2.100 | 2.300 | - |
| Peoples Trust | Annually | At maturity | no | 5,000 | 1.450 | 1.600 | 1.850 | 2.100 | 2.300 | - |
| Sun Life - Trust | Annually | At maturity | no | 1,000 | 1.150 | 1.300 | 1.700 | 2.100 | 2.300 | - |
| Sun Life - Trust | Not compounded | Annually | no | 1,000 | 1.150 | 1.300 | 1.700 | 2.100 | 2.300 | - |
| TD Canada Trust | Annually | At maturity | no | 500 | 1.350 | 1.350 | 1.700 | 2.000 | 2.300 | - |
| TD Canada Trust | Not compounded | Annually | no | 500 | 1.350 | 1.350 | 1.700 | 2.000 | 2.300 | - |
| Coast Capital Savings | Annually | At maturity | no | 1,000 | 1.550 | 1.650 | 1.950 | 2.050 | 2.250 | - |
| Manulife Investments | Annually | At maturity | no | 2,500 | 1.250 | 1.550 | 1.750 | 2.000 | 2.250 | 2.250 |
| Canadian Western Trust | Annually | At maturity | no | 5,000 | 1.250 | 1.400 | 1.600 | 1.850 | 2.200 | - |
| Industrial Alliance | Annually | At maturity | yes | 200,000 | 1.150 | 1.450 | 1.700 | 1.850 | 2.200 | - |
| Industrial Alliance | Not compounded | Annually | yes | 200,000 | 1.150 | 1.450 | 1.700 | 1.850 | 2.200 | - |
| Libro Credit Union | Not compounded | Annually | no | 1,000 | 1.100 | 2.200 | 1.800 | 2.000 | 2.200 | - |
| 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 | - |
| Pacific & Western Bank | Annually | At maturity | no | 1,000 | 1.400 | 1.550 | 1.800 | 2.050 | 2.200 | - |
| Royal Bank of Canada | Not compounded | Annually | no | 500 | 1.300 | 1.550 | 1.750 | 1.600 | 2.200 | - |
| Royal Bank of Canada | Annually | At maturity | no | 500 | 1.300 | 1.550 | 1.750 | 1.600 | 2.200 | - |
| Servus Credit Union | Annually | At maturity | no | 500 | 1.300 | 1.400 | 1.600 | 1.600 | 2.200 | - |
| Standard Life | Annually | At maturity | yes | 25,000 | 1.200 | 1.400 | 1.600 | 1.900 | 2.200 | 2.300 |
| Standard Life | Annually | At maturity | yes | 250,000 | 1.200 | 1.400 | 1.600 | 1.900 | 2.200 | 2.300 |
| Standard Life | Annually | At maturity | yes | 100,000 | 1.200 | 1.400 | 1.600 | 1.900 | 2.200 | 2.300 |
| Standard Life | Annually | At maturity | yes | 50,000 | 1.200 | 1.400 | 1.600 | 1.900 | 2.200 | 2.300 |
| Standard Life | Annually | At maturity | yes | 1,000 | 1.200 | 1.400 | 1.600 | 1.900 | 2.200 | 2.300 |
| Standard Life | Annually | At maturity | yes | 500,000 | 1.200 | 1.400 | 1.600 | 1.900 | 2.200 | 2.300 |
| Industrial Alliance | Annually | At maturity | yes | 100,000 | 1.100 | 1.400 | 1.650 | 1.800 | 2.150 | - |
| Industrial Alliance | Not compounded | Annually | yes | 100,000 | 1.100 | 1.400 | 1.650 | 1.800 | 2.150 | - |
| Industrial Alliance | Annually | At maturity | yes | 25,000 | 1.050 | 1.350 | 1.600 | 1.750 | 2.100 | - |
| Industrial Alliance | Not compounded | Annually | yes | 25,000 | 1.050 | 1.350 | 1.600 | 1.750 | 2.100 | - |
| PACE Savings & Credit Un | Annually | At maturity | no | 1,000 | 1.200 | 1.500 | 1.600 | 1.750 | 2.100 | - |
| Sun Life - Insurance | Not compounded | Annually | yes | 1,000 | 0.900 | 1.000 | 1.200 | 1.900 | 2.100 | - |
| Sun Life - Insurance | Annually | At maturity | yes | 1,000 | 0.900 | 1.000 | 1.200 | 1.900 | 2.100 | - |
| Sun Life - Trust | Not compounded | Annually | yes | 1,000 | 0.900 | 1.000 | 1.200 | 1.900 | 2.100 | - |
| Sun Life - Trust | Annually | At maturity | yes | 1,000 | 0.900 | 1.000 | 1.200 | 1.900 | 2.100 | - |
| Desjardins Fin. Security | Not compounded | Annually | yes | 500 | 0.850 | 0.950 | 1.400 | 1.700 | 2.050 | - |
| Desjardins Fin. Security | Annually | At maturity | yes | 500 | 0.850 | 0.950 | 1.400 | 1.700 | 2.050 | - |
| 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 | - |
| Canada Life | Annually | At maturity | yes | 75,000 | 1.000 | 1.350 | 1.500 | 1.750 | 2.000 | 2.400 |
| Great-West Life | Not compounded | Annually | no | 50,000 | 1.000 | 1.350 | 1.500 | 1.750 | 2.000 | 2.400 |
| Great-West Life | Annually | At maturity | no | 50,000 | 1.000 | 1.350 | 1.500 | 1.750 | 2.000 | 2.400 |
| Great-West Life | Not compounded | Annually | yes | 50,000 | 1.000 | 1.350 | 1.500 | 1.750 | 2.000 | 2.400 |
| Great-West Life | Annually | At maturity | yes | 50,000 | 1.000 | 1.350 | 1.500 | 1.750 | 2.000 | 2.400 |
| London Life | Annually | At maturity | yes | 50,000 | 1.000 | 1.350 | 1.500 | 1.750 | 2.000 | - |
| Manulife Investments | Annually | At maturity | yes | 2,500 | 1.000 | 1.300 | 1.500 | 1.750 | 2.000 | 2.000 |
| BMO Bank of Montreal | Annually | At maturity | no | 500 | 1.000 | 1.150 | 1.350 | 1.600 | 1.950 | 1.950 |
| BMO Bank of Montreal | Not compounded | Annually | 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 | Annually | At maturity | yes | 1,000 | 0.900 | 1.200 | 1.450 | 1.600 | 1.950 | - |
| Industrial Alliance | Not compounded | Annually | yes | 1,000 | 0.900 | 1.200 | 1.450 | 1.600 | 1.950 | - |
| Royal Bank of Canada | Semi-annually | At maturity | yes | 500 | 1.050 | 1.300 | 1.500 | 1.350 | 1.950 | - |
| 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 | - |
| Canada Life | Annually | At maturity | yes | 25,000 | 0.875 | 1.225 | 1.375 | 1.625 | 1.875 | 2.275 |
| Great-West Life | Annually | At maturity | no | 25,000 | 0.875 | 1.225 | 1.375 | 1.625 | 1.875 | 2.275 |
| Great-West Life | Not compounded | Annually | yes | 25,000 | 0.875 | 1.225 | 1.375 | 1.625 | 1.875 | 2.275 |
| Great-West Life | Annually | At maturity | yes | 25,000 | 0.875 | 1.225 | 1.375 | 1.625 | 1.875 | 2.275 |
| Great-West Life | Not compounded | Annually | no | 25,000 | 0.875 | 1.225 | 1.375 | 1.625 | 1.875 | 2.275 |
| 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 | - |
| 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 | 1,000 | 0.750 | 1.100 | 1.250 | 1.500 | 1.750 | 2.150 |
| Fiducie Desjardins | Annually | At maturity | no | 1,000 | - | 1.150 | 1.250 | 1.500 | 1.750 | - |
| Fiducie Desjardins | Not compounded | Annually | no | 1,000 | 0.900 | 1.150 | 1.250 | 1.500 | 1.750 | - |
| Great-West Life | Annually | At maturity | no | 500 | 0.750 | 1.100 | 1.250 | 1.500 | 1.750 | 2.150 |
| Great-West Life | Not compounded | Annually | yes | 500 | 0.750 | 1.100 | 1.250 | 1.500 | 1.750 | 2.150 |
| Great-West Life | Annually | At maturity | yes | 500 | 0.750 | 1.100 | 1.250 | 1.500 | 1.750 | 2.150 |
| Great-West Life | Not compounded | Annually | no | 500 | 0.750 | 1.100 | 1.250 | 1.500 | 1.750 | 2.150 |
| Laurentian Bank Canada | Annually | At maturity | no | 500 | 0.900 | 1.150 | 1.300 | 1.450 | 1.750 | - |
| Laurentian Bank Canada | Not compounded | Annually | no | 500 | 0.900 | 1.150 | 1.300 | 1.450 | 1.750 | - |
| Laurentienne Trust | Annually | At maturity | no | 500 | - | 1.150 | 1.300 | 1.450 | 1.750 | - |
| Laurentienne Trust | Not compounded | Annually | no | 500 | 0.900 | 1.150 | 1.300 | 1.450 | 1.750 | - |
| London Life | Annually | At maturity | yes | 1,000 | 0.750 | 1.100 | 1.250 | 1.500 | 1.750 | - |
| National Bank | Annually | At maturity | no | 500 | 0.900 | 1.150 | 1.250 | 1.500 | 1.750 | - |
| Windsor Family C.U. | Annually | At maturity | no | 500 | 0.900 | 1.100 | 1.250 | 1.400 | 1.750 | - |
| BMO Bank of Montreal | Annually | At maturity | yes | 500 | 0.750 | 0.900 | 1.100 | 1.350 | 1.700 | - |
| Caisses Desjardins | Not compounded | Semi-annually | no | 500 | 0.850 | 1.100 | 1.200 | 1.450 | 1.700 | - |
| Caisses Desjardins | Not compounded | Monthly | no | 500 | 0.850 | 1.100 | 1.200 | 1.450 | 1.700 | - |
| ATB Financial | Annually | At maturity | yes | 500 | 0.850 | 0.850 | 1.000 | 1.150 | 1.500 | - |
| Great-West Life | Not compounded | Monthly | no | 50,000 | 0.500 | 0.850 | 1.000 | 1.250 | 1.500 | 1.900 |
| Great-West Life | Not compounded | Monthly | yes | 50,000 | 0.500 | 0.850 | 1.000 | 1.250 | 1.500 | 1.900 |
| Laurentian Bank Canada | Not compounded | Annually | yes | 500 | 0.650 | 0.900 | 1.050 | 1.200 | 1.500 | - |
| Laurentian Bank Canada | Annually | At maturity | yes | 500 | 0.650 | 0.900 | 1.050 | 1.200 | 1.500 | - |
| Laurentienne Trust | Not compounded | Semi-annually | no | 500 | 0.650 | 0.900 | 1.050 | 1.200 | 1.500 | - |
| National Bank | Annually | At maturity | yes | 500 | 0.650 | 0.850 | 0.950 | 1.200 | 1.450 | - |
| Laurentienne Trust | Not compounded | Quarterly | no | 500 | 0.550 | 0.780 | 0.930 | 1.080 | 1.380 | - |
| Great-West Life | Not compounded | Monthly | yes | 25,000 | 0.375 | 0.725 | 0.875 | 1.125 | 1.375 | 1.775 |
| Great-West Life | Not compounded | Monthly | no | 25,000 | 0.375 | 0.725 | 0.875 | 1.125 | 1.375 | 1.775 |
| ATB Financial | Semi-annually | At maturity | yes | 500 | 0.600 | 0.600 | 0.750 | 0.900 | 1.250 | - |
| Great-West Life | Not compounded | Monthly | no | 500 | 0.250 | 0.600 | 0.750 | 1.000 | 1.250 | 1.650 |
| Great-West Life | Not compounded | Monthly | yes | 500 | 0.250 | 0.600 | 0.750 | 1.000 | 1.250 | 1.650 |
| Laurentienne Trust | Not compounded | Monthly | no | 500 | 0.550 | 0.650 | 0.800 | 0.950 | 1.250 | - |
| 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 | Annually | At maturity | yes | 500 | 0.650 | 0.850 | 1.000 | - | - | - |
| CIBC | Not compounded | Annually | cashable | 500 | 0.800 | - | - | - | - | - |
| 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 March 10, 2014
This information is current as of the date and time posted and is subject to change without notice.
© Copyright 2007 CANNEX Financial Exchanges Limited. All rights reserved.