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

Sorted by: 5 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
Peoples Trust Annually At maturity no 1,000 2.250 2.450 2.450 2.500 2.650 -
AcceleRate Financial Annually At maturity no 500 2.000 2.100 2.200 2.350 2.500 2.550
Achieva Financial Annually At maturity no 1,000 2.000 2.100 2.200 2.350 2.500 -
Hubert Financial Annually At maturity yes 1,000 2.050 2.100 2.200 2.350 2.500 -
MAXA Financial Not compounded Annually yes 500 2.000 2.100 2.200 2.350 2.500 -
Oaken Financial Annually At maturity no 1,000 1.950 2.100 2.150 2.300 2.500 -
Outlook Financial Not compounded Annually yes 1,000 2.000 2.100 2.200 2.350 2.500 -
Outlook Financial Annually At maturity yes 1,000 2.000 2.100 2.200 2.350 2.500 -
Entegra Credit Union Not compounded Annually no 1,000 1.900 2.000 2.100 2.250 2.400 -
Entegra Credit Union Annually At maturity no 1,000 1.900 2.000 2.100 2.250 2.400 -
Steinbach Credit Union Annually At maturity no 500 1.900 2.000 2.100 2.250 2.400 -
Community Trust Annually At maturity no 1,000 2.070 2.210 2.230 2.300 2.350 -
Outlook Financial Not compounded Monthly yes 1,000 1.850 1.950 2.050 2.200 2.350 -
Comtech Credit Union Annually At maturity no 100,000 1.600 1.650 1.750 2.150 2.290 -
Comtech Credit Union Annually At maturity no 50,000 1.600 1.650 1.750 2.150 2.290 -
Comtech Credit Union Annually At maturity no 1,000 1.600 1.650 1.750 2.150 2.290 -
Comtech Credit Union Annually At maturity no 200,000 1.600 1.650 1.750 2.150 2.290 -
Canadian Direct Fin'l Annually At maturity no 500 1.650 1.810 1.900 2.050 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 -
Parama Credit Union Annually At maturity no 1,000 1.600 1.750 1.900 2.050 2.200 -
Your Neighbourhood C.U. Annually At maturity no 100,000 1.400 1.600 1.900 2.100 2.200 -
Your Neighbourhood C.U. Not compounded Annually no 100,000 1.400 1.600 1.900 2.100 2.200 -
ICICI Bank Canada Annually At maturity yes 1,000 1.450 1.550 1.750 1.950 2.150 -
State Bank of India (C) Annually Annually no 1,000 1.450 1.550 1.750 1.950 2.150 -
Your Neighbourhood C.U. Not compounded Annually no 20,000 1.350 1.550 1.850 2.050 2.150 -
Your Neighbourhood C.U. Annually At maturity no 20,000 1.350 1.550 1.850 2.050 2.150 -
Effort Trust Annually At maturity no 1,000 1.600 1.700 1.850 2.000 2.100 -
PACE Savings & Credit Un Annually At maturity no 1,000 1.200 1.300 1.600 1.750 2.100 -
Rapport Credit Union Annually At maturity no 40,000 1.250 1.350 1.400 1.450 2.100 -
Your Neighbourhood C.U. Not compounded Annually no 500 1.300 1.500 1.800 2.000 2.100 -
Your Neighbourhood C.U. Annually At maturity no 500 1.300 1.500 1.800 2.000 2.100 -
B2B Bank Annually At maturity no 1,000 1.300 1.600 1.650 1.800 2.050 -
Home Trust Company Annually At maturity no 1,000 1.550 1.650 1.750 1.850 2.050 -
MCAN Mortgage Corp. Not compounded Annually no 100,000 1.600 1.700 1.800 1.900 2.050 -
MCAN Mortgage Corp. Annually At maturity no 100,000 1.600 1.700 1.800 1.900 2.050 -
Manulife Bank Annually At maturity no 2,500 1.250 1.500 1.650 1.800 2.050 -
Peace Hills Trust Not compounded Annually no 1,000 1.450 1.650 1.750 1.900 2.050 -
Peace Hills Trust Annually At maturity no 1,000 1.450 1.650 1.750 1.900 2.050 -
Canadian Western Bank Annually At maturity no 500 1.400 1.560 1.650 1.800 2.000 -
Canadian Western Trust Annually At maturity no 5,000 1.400 1.560 1.650 1.800 2.000 -
DUCA Financial Services Annually At maturity no 500 1.300 1.500 1.750 1.850 2.000 2.000
FirstOntario Credit Un. Annually At maturity no 500 1.500 1.700 1.800 1.900 2.000 -
Libro Credit Union Not compounded Annually no 500 1.150 1.500 1.700 1.900 2.000 -
MCAN Mortgage Corp. Annually At maturity no 25,000 1.550 1.650 1.750 1.850 2.000 -
MCAN Mortgage Corp. Not compounded Annually no 25,000 1.550 1.650 1.750 1.850 2.000 -
Meridian Credit Union Annually At maturity no 500 1.250 1.350 1.550 1.750 2.000 -
MCAN Mortgage Corp. Not compounded Annually no 5,000 1.500 1.600 1.700 1.800 1.950 -
MCAN Mortgage Corp. Annually At maturity no 5,000 1.500 1.600 1.700 1.800 1.950 -
Pacific & Western Bank Annually At maturity no 1,000 1.250 1.500 1.600 1.750 1.950 -
Sun Life - Trust Annually At maturity no 1,000 1.100 1.150 1.250 1.550 1.950 -
Sun Life - Trust Not compounded Annually no 1,000 1.100 1.150 1.250 1.550 1.950 -
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 yes 1 1.200 1.350 1.500 1.600 1.900 -
Coast Capital Savings Annually At maturity no 1,000 1.200 1.300 1.500 1.600 1.850 -
Industrial Alliance Annually At maturity yes 200,000 0.800 1.400 1.450 1.800 1.800 -
Industrial Alliance Not compounded Annually yes 200,000 0.800 1.400 1.450 1.800 1.800 -
President's Choice Fin'l Not compounded Annually no 100 1.100 1.200 1.300 1.500 1.800 -
President's Choice Fin'l Annually At maturity no 100 1.100 1.200 1.300 1.500 1.800 -
Industrial Alliance Not compounded Annually yes 100,000 0.750 1.350 1.400 1.750 1.750 -
Industrial Alliance Annually At maturity yes 100,000 0.750 1.350 1.400 1.750 1.750 -
Sun Life - Insurance Not compounded Annually yes 1,000 0.500 0.550 0.600 1.350 1.750 -
Sun Life - Insurance Annually At maturity yes 1,000 0.500 0.550 0.600 1.350 1.750 -
Sun Life - Trust Annually At maturity yes 1,000 0.500 0.550 0.600 1.350 1.750 -
Sun Life - Trust Not compounded Annually yes 1,000 0.500 0.550 0.600 1.350 1.750 -
Industrial Alliance Not compounded Annually yes 25,000 0.700 1.300 1.350 1.700 1.700 -
Industrial Alliance Annually At maturity yes 25,000 0.700 1.300 1.350 1.700 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 -
Alterna Bank Annually At maturity no 500 1.000 1.200 1.400 1.500 1.600 -
Alterna Savings Annually At maturity no 500 1.000 1.200 1.400 1.500 1.600 -
Concentra Financial Annually At maturity no 1,000 1.000 1.100 1.200 1.300 1.600 -
Industrial Alliance Annually At maturity yes 1,000 0.550 1.150 1.200 1.550 1.550 -
Industrial Alliance Not compounded Annually yes 1,000 0.550 1.150 1.200 1.550 1.550 -
ATB Financial Annually At maturity yes 500 0.650 0.850 1.000 1.150 1.500 -
ATB Financial Annually At maturity no 500 1.250 1.400 1.150 1.300 1.500 -
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 1.000 1.050 1.200 1.500 -
Caisses Desjardins Annually At maturity no 500 0.850 1.000 1.050 1.200 1.500 -
Fiducie Desjardins Not compounded Annually no 1,000 0.850 1.000 1.050 1.200 1.500 -
Fiducie Desjardins Annually At maturity no 1,000 - 1.000 1.050 1.200 1.500 -
First Calgary Financial Annually At maturity no 500 0.900 1.100 1.150 1.300 1.500 -
Laurentian Bank Canada Not compounded Annually no 500 0.900 1.000 1.150 1.300 1.500 -
Laurentian Bank Canada Annually At maturity no 500 0.900 1.000 1.150 1.300 1.500 -
National Bank Annually At maturity no 500 0.850 1.100 1.150 1.300 1.500 -
Royal Bank of Canada Annually At maturity no 500 0.850 1.000 1.050 1.200 1.500 -
Royal Bank of Canada Not compounded Annually no 500 0.850 1.000 1.050 1.200 1.500 -
Servus Credit Union Annually At maturity no 500 0.850 1.050 1.150 1.250 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 -
Windsor Family C.U. Annually At maturity no 500 0.850 1.050 1.100 1.250 1.500 -
Caisses Desjardins Not compounded Semi-annually no 500 0.800 0.950 1.000 1.150 1.450 -
Caisses Desjardins Not compounded Monthly no 500 0.800 0.950 1.000 1.150 1.450 -
HSBC Bank Canada Annually At maturity no 50,000 0.850 0.900 1.050 1.200 1.450 -
HSBC Bank Canada Annually At maturity no 500 0.850 0.900 1.050 1.200 1.450 -
Manulife Investments Annually At maturity no 2,500 0.650 0.700 0.900 1.150 1.400 1.400
Empire Life Annually At maturity yes 100,000 0.850 0.850 0.875 1.125 1.375 1.500
Equitable Life Annually At maturity yes 25,000 0.900 0.950 0.950 1.100 1.300 -
Equitable Life Annually At maturity yes 500 0.900 0.950 0.950 1.100 1.300 -
Equitable Life Annually At maturity yes 50,000 0.900 0.950 0.950 1.100 1.300 -
ATB Financial Semi-annually At maturity no 500 1.000 1.150 0.900 1.050 1.250 -
ATB Financial Semi-annually At maturity yes 500 0.550 0.600 0.750 0.900 1.250 -
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 -
Empire Life Annually At maturity yes 50,000 0.725 0.725 0.750 1.000 1.250 1.375
Laurentian Bank Canada Not compounded Annually yes 500 0.650 0.750 0.900 1.050 1.250 -
Laurentian Bank Canada Annually At maturity yes 500 0.650 0.750 0.900 1.050 1.250 -
Royal Bank of Canada Semi-annually At maturity yes 500 0.600 0.750 0.800 0.950 1.250 -
National Bank Annually At maturity yes 500 0.600 0.800 0.850 1.000 1.200 -
Canada Life Annually At maturity yes 75,000 0.800 0.800 0.800 0.950 1.150 1.350
Great-West Life Not compounded Annually no 50,000 0.800 0.800 0.800 0.950 1.150 1.350
Great-West Life Annually At maturity no 50,000 0.800 0.800 0.800 0.950 1.150 1.350
Great-West Life Not compounded Annually yes 50,000 0.800 0.800 0.800 0.950 1.150 1.350
Great-West Life Annually At maturity yes 50,000 0.800 0.800 0.800 0.950 1.150 1.350
London Life Annually At maturity yes 50,000 0.800 0.800 0.800 0.950 1.150 -
Manulife Investments Annually At maturity yes 2,500 0.400 0.450 0.650 0.900 1.150 1.150
Empire Life Annually At maturity yes 500 0.600 0.600 0.625 0.875 1.125 1.250
Canada Life Annually At maturity yes 25,000 0.675 0.675 0.675 0.825 1.025 1.225
Great-West Life Annually At maturity no 25,000 0.675 0.675 0.675 0.825 1.025 1.225
Great-West Life Not compounded Annually yes 25,000 0.675 0.675 0.675 0.825 1.025 1.225
Great-West Life Annually At maturity yes 25,000 0.675 0.675 0.675 0.825 1.025 1.225
Great-West Life Not compounded Annually no 25,000 0.675 0.675 0.675 0.825 1.025 1.225
Canada Life Annually At maturity yes 1,000 0.550 0.550 0.550 0.700 0.900 1.100
Great-West Life Annually At maturity no 500 0.550 0.550 0.550 0.700 0.900 1.100
Great-West Life Not compounded Annually yes 500 0.550 0.550 0.550 0.700 0.900 1.100
Great-West Life Annually At maturity yes 500 0.550 0.550 0.550 0.700 0.900 1.100
Great-West Life Not compounded Annually no 500 0.550 0.550 0.550 0.700 0.900 1.100
London Life Annually At maturity yes 1,000 0.550 0.550 0.550 0.700 0.900 -
Great-West Life Not compounded Monthly no 50,000 0.300 0.300 0.300 0.450 0.650 0.850
Great-West Life Not compounded Monthly yes 50,000 0.300 0.300 0.300 0.450 0.650 0.850
Great-West Life Not compounded Monthly yes 25,000 0.175 0.175 0.175 0.325 0.525 0.725
Great-West Life Not compounded Monthly no 25,000 0.175 0.175 0.175 0.325 0.525 0.725
Great-West Life Not compounded Monthly no 500 0.050 0.050 0.050 0.200 0.400 0.600
Great-West Life Not compounded Monthly yes 500 0.050 0.050 0.050 0.200 0.400 0.600
Alterna Bank Not compounded Annually yes 500 0.800 - - - - -
Alterna Savings Not compounded Annually yes 500 0.800 - - - - -
CIBC Annually At maturity yes 500 0.300 0.400 0.600 - - -
CIBC Not compounded Annually cashable 500 0.500 - - - - -
Concentra Financial Not compounded Annually cashable 5,000 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 July 31, 2015

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

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