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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 | 2.800 | 3.100 | 3.250 | 3.300 | 3.500 | - |
|---|---|---|---|---|---|---|---|---|---|---|
| Community Trust | Annually | At maturity | no | 50,000 | 2.500 | 2.950 | 3.050 | 3.100 | 3.300 | - |
| MCAN Mortgage Corp. | Annually | At maturity | no | 25,000 | 2.300 | 2.750 | 2.950 | 3.150 | 3.300 | - |
| MCAN Mortgage Corp. | Not compounded | Annually | no | 100,000 | 2.300 | 2.750 | 2.950 | 3.150 | 3.300 | - |
| MCAN Mortgage Corp. | Not compounded | Annually | no | 25,000 | 2.300 | 2.750 | 2.950 | 3.150 | 3.300 | - |
| MCAN Mortgage Corp. | Annually | At maturity | no | 100,000 | 2.300 | 2.750 | 2.950 | 3.150 | 3.300 | - |
| Motive Financial | Annually | At maturity | no | 500 | 2.300 | 2.700 | 2.950 | 3.150 | 3.300 | - |
| Steinbach Credit Union | Annually | At maturity | no | 500 | 2.500 | 2.600 | 2.750 | 2.900 | 3.250 | - |
| Community Trust | Annually | At maturity | no | 1,000 | 2.400 | 2.850 | 2.950 | 3.000 | 3.200 | - |
| MCAN Mortgage Corp. | Not compounded | Annually | no | 5,000 | 2.200 | 2.650 | 2.850 | 3.050 | 3.200 | - |
| MCAN Mortgage Corp. | Annually | At maturity | no | 5,000 | 2.200 | 2.650 | 2.850 | 3.050 | 3.200 | - |
| Peoples Trust | Annually | At maturity | no | 1,000 | 2.500 | 2.800 | 2.950 | 3.050 | 3.200 | - |
| Hubert Financial | Annually | At maturity | no | 1,000 | 2.450 | 3.000 | 2.750 | 3.250 | 3.150 | - |
| AcceleRate Financial | Annually | At maturity | no | 500 | 2.400 | 2.600 | 3.000 | 2.900 | 3.100 | 3.100 |
| Achieva Financial | Annually | At maturity | no | 1,000 | 2.400 | 2.600 | 2.750 | 2.900 | 3.100 | - |
| Alterna Savings | Not compounded | Annually | no | 500 | 1.250 | 1.400 | 1.500 | 1.600 | 3.100 | - |
| Canadian Western Bank | Annually | At maturity | no | 500 | 2.100 | 2.500 | 2.750 | 2.950 | 3.100 | - |
| MAXA Financial | Not compounded | Annually | no | 500 | 2.400 | 2.600 | 2.750 | 2.900 | 3.100 | - |
| Outlook Financial | Annually | At maturity | yes | 1,000 | 2.400 | 2.600 | 2.750 | 2.900 | 3.100 | - |
| Outlook Financial | Not compounded | Annually | yes | 1,000 | 2.400 | 2.600 | 2.750 | 2.900 | 3.100 | - |
| Parama Credit Union | Annually | At maturity | no | 1,000 | 2.400 | 2.650 | 2.750 | 3.100 | 3.100 | - |
| Home Trust Company-Agent | Annually | At maturity | no | 1,000 | 2.380 | 2.650 | 2.820 | 2.950 | 3.080 | - |
| Home Bank - Agent | Annually | At maturity | no | 1,000 | 2.370 | 2.640 | 2.810 | 2.940 | 3.070 | - |
| Canadian Western Trust | Annually | At maturity | no | 5,000 | 1.950 | 2.350 | 2.700 | 2.900 | 3.050 | - |
| Comtech Credit Union | Annually | At maturity | no | 1,000 | 2.500 | 2.300 | 2.380 | 2.900 | 3.050 | - |
| Comtech Credit Union | Annually | At maturity | no | 200,000 | 2.500 | 2.300 | 2.380 | 2.900 | 3.050 | - |
| Comtech Credit Union | Annually | At maturity | no | 100,000 | 2.500 | 2.300 | 2.380 | 2.900 | 3.050 | - |
| Comtech Credit Union | Annually | At maturity | no | 50,000 | 2.500 | 2.300 | 2.380 | 2.900 | 3.050 | - |
| Effort Trust Company | Annually | At maturity | no | 1,000 | 2.500 | 2.950 | 3.050 | 3.050 | 3.050 | - |
| VersaBank (Pac&WestBank) | Annually | At maturity | no | 1,000 | 2.010 | 2.310 | 2.660 | 2.810 | 3.010 | - |
| B2B Bank | Annually | At maturity | no | 1,000 | 2.000 | 2.350 | 2.700 | 2.900 | 3.000 | - |
| Entegra Credit Union | Annually | At maturity | no | 1,000 | 2.300 | 2.500 | 2.650 | 2.800 | 3.000 | - |
| Entegra Credit Union | Not compounded | Annually | no | 1,000 | 2.300 | 2.500 | 2.650 | 2.800 | 3.000 | - |
| Manulife Bank | Annually | At maturity | no | 2,500 | 2.000 | 2.300 | 2.650 | 2.800 | 3.000 | - |
| Peace Hills Trust | Not compounded | Annually | no | 1,000 | 1.750 | 2.250 | 2.700 | 2.700 | 3.000 | - |
| Peace Hills Trust | Annually | At maturity | no | 1,000 | 1.750 | 2.250 | 2.700 | 2.700 | 3.000 | - |
| Tangerine | Annually | At maturity | no | 1 | 2.500 | 2.600 | 2.700 | 2.750 | 3.000 | - |
| Outlook Financial | Not compounded | Monthly | yes | 1,000 | 2.250 | 2.450 | 2.600 | 2.750 | 2.950 | - |
| Empire Life | Annually | At maturity | yes | 100,000 | 1.800 | 2.200 | 2.300 | 2.450 | 2.900 | 2.400 |
| ATB Financial | Annually | At maturity | no | 500 | 2.100 | 2.700 | 2.950 | 2.750 | 2.800 | - |
| Your Neighbourhood C.U. | Annually | At maturity | no | 100,000 | 2.000 | 2.150 | 2.500 | 2.650 | 2.800 | - |
| Your Neighbourhood C.U. | Not compounded | Annually | no | 100,000 | 2.000 | 2.150 | 2.500 | 2.650 | 2.800 | - |
| Empire Life | Annually | At maturity | yes | 50,000 | 1.675 | 2.075 | 2.175 | 2.325 | 2.775 | 2.275 |
| First Calgary Financial | Annually | At maturity | no | 500 | 2.050 | 2.250 | 2.350 | 2.450 | 2.750 | - |
| Simplii Financial | Annually | At maturity | no | 100 | 2.500 | 2.200 | 2.500 | 2.600 | 2.750 | - |
| Simplii Financial | Not compounded | Annually | no | 100 | 2.500 | 2.200 | 2.500 | 2.600 | 2.750 | - |
| Your Neighbourhood C.U. | Not compounded | Annually | no | 20,000 | 1.950 | 2.100 | 2.450 | 2.600 | 2.750 | - |
| Your Neighbourhood C.U. | Annually | At maturity | no | 20,000 | 1.950 | 2.100 | 2.450 | 2.600 | 2.750 | - |
| Your Neighbourhood C.U. | Not compounded | Annually | no | 1,000 | 1.900 | 2.050 | 2.400 | 2.550 | 2.700 | - |
| Your Neighbourhood C.U. | Annually | At maturity | no | 1,000 | 1.900 | 2.050 | 2.400 | 2.550 | 2.700 | - |
| Empire Life | Annually | At maturity | yes | 500 | 1.550 | 1.950 | 2.050 | 2.200 | 2.650 | 2.150 |
| Meridian Credit Union | Annually | At maturity | no | 500 | 2.000 | 2.150 | 2.200 | 2.350 | 2.600 | - |
| ATB Financial | Semi-annually | At maturity | no | 500 | 1.850 | 2.450 | 2.700 | 2.500 | 2.550 | - |
| Resurrection Credit Un. | Annually | At maturity | no | 1,000 | 2.750 | 2.000 | 2.150 | 2.250 | 2.550 | - |
| FirstOntario Credit Un. | Annually | At maturity | no | 500 | 2.000 | 1.900 | 2.000 | 2.250 | 2.500 | - |
| Kindred Credit Union | Annually | At maturity | no | 250,000 | 1.600 | 2.000 | 2.300 | 2.450 | 2.500 | - |
| Sun Life - Trust | Annually | At maturity | no | 1,000 | 1.850 | 1.800 | 1.900 | 2.250 | 2.500 | - |
| Sun Life - Trust | Not compounded | Annually | no | 1,000 | 1.850 | 1.800 | 1.900 | 2.250 | 2.500 | - |
| Equitable Life | Annually | At maturity | yes | 50,000 | 1.550 | 2.000 | 2.350 | 2.350 | 2.450 | - |
| Equitable Life | Annually | At maturity | yes | 25,000 | 1.550 | 2.000 | 2.350 | 2.350 | 2.450 | - |
| Equitable Life | Annually | At maturity | yes | 500 | 1.550 | 2.000 | 2.350 | 2.350 | 2.450 | - |
| Kindred Credit Union | Annually | At maturity | no | 100,000 | 1.550 | 1.950 | 2.250 | 2.400 | 2.450 | - |
| Libro Credit Union | Not compounded | Annually | no | 500 | 1.650 | 2.000 | 2.100 | 2.250 | 2.450 | - |
| Kindred Credit Union | Annually | At maturity | no | 50,000 | 1.550 | 1.850 | 2.150 | 2.300 | 2.400 | - |
| Luminus Financial | Annually | At maturity | no | 500 | 2.650 | 2.450 | 3.100 | 2.350 | 2.400 | - |
| Sun Life - Insurance | Annually | At maturity | yes | 1,000 | 1.700 | 1.650 | 1.700 | 2.100 | 2.400 | - |
| Sun Life - Insurance | Not compounded | Annually | yes | 1,000 | 1.700 | 1.650 | 1.700 | 2.100 | 2.400 | - |
| Kindred Credit Union | Annually | At maturity | no | 25,000 | 1.550 | 1.800 | 2.050 | 2.250 | 2.350 | - |
| Sun Life - Trust | Annually | At maturity | yes | 1,000 | 1.650 | 1.550 | 1.550 | 2.050 | 2.350 | - |
| Sun Life - Trust | Not compounded | Annually | yes | 1,000 | 1.650 | 1.550 | 1.550 | 2.050 | 2.350 | - |
| Kindred Credit Union | Annually | At maturity | no | 500 | 1.550 | 1.750 | 1.950 | 2.150 | 2.300 | - |
| Industrial Alliance | Not compounded | Annually | yes | 200,000 | 1.950 | 2.450 | 2.600 | 2.150 | 2.150 | - |
| Industrial Alliance | Annually | At maturity | yes | 200,000 | 1.950 | 2.450 | 2.600 | 2.150 | 2.150 | - |
| Alterna Bank | Not compounded | Annually | no | 500 | 1.500 | 1.600 | 1.800 | 1.800 | 2.100 | - |
| Coast Capital Savings | Annually | At maturity | no | 1,000 | 1.300 | 1.400 | 1.750 | 1.800 | 2.100 | - |
| Industrial Alliance | Not compounded | Annually | yes | 100,000 | 1.900 | 2.400 | 2.550 | 2.100 | 2.100 | - |
| Industrial Alliance | Annually | At maturity | yes | 100,000 | 1.900 | 2.400 | 2.550 | 2.100 | 2.100 | - |
| ICICI Bank Canada | Annually | At maturity | yes | 1,000 | 1.350 | 1.550 | 1.650 | 1.850 | 2.050 | - |
| Industrial Alliance | Not compounded | Annually | yes | 25,000 | 1.850 | 2.350 | 2.500 | 2.050 | 2.050 | - |
| Industrial Alliance | Annually | At maturity | yes | 25,000 | 1.850 | 2.350 | 2.500 | 2.050 | 2.050 | - |
| SBI Canada Bank | Annually | Annually | no | 1,000 | 1.350 | 1.550 | 1.650 | 1.850 | 2.050 | - |
| Manulife Investments | Annually | At maturity | no | 2,500 | 1.800 | 1.850 | 1.950 | 1.950 | 2.000 | 2.000 |
| PACE Savings & Credit Un | Annually | At maturity | no | 1,000 | 1.250 | 1.350 | 1.550 | 1.750 | 2.000 | - |
| Rapport Credit Union | Annually | At maturity | no | 100,000 | 1.400 | 1.500 | 1.550 | 1.900 | 2.000 | - |
| Rapport Credit Union | Annually | At maturity | no | 60,000 | 1.400 | 1.500 | 1.550 | 1.900 | 2.000 | - |
| Zag Bank | Not compounded | Annually | no | 250 | 1.200 | 2.500 | 1.500 | 1.600 | 2.000 | - |
| Industrial Alliance | Annually | At maturity | yes | 1,000 | 1.700 | 2.200 | 2.350 | 1.900 | 1.900 | - |
| Industrial Alliance | Not compounded | Annually | yes | 1,000 | 1.700 | 2.200 | 2.350 | 1.900 | 1.900 | - |
| 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 | - |
| Manulife Investments | Annually | At maturity | yes | 2,500 | 1.650 | 1.700 | 1.800 | 1.800 | 1.850 | 1.850 |
| Canada Life | Annually | At maturity | yes | 25,000 | 1.700 | 1.700 | 1.850 | 1.900 | 1.800 | 1.850 |
| Canada Life | Annually | At maturity | yes | 75,000 | 1.700 | 1.700 | 1.850 | 1.900 | 1.800 | 1.850 |
| Canada Life | Annually | At maturity | yes | 1,000 | 1.700 | 1.700 | 1.850 | 1.900 | 1.800 | 1.850 |
| Great-West Life | Not compounded | Annually | no | 25,000 | 1.700 | 1.700 | 1.850 | 1.900 | 1.800 | 1.850 |
| Great-West Life | Not compounded | Annually | no | 50,000 | 1.700 | 1.700 | 1.850 | 1.900 | 1.800 | 1.850 |
| Great-West Life | Annually | At maturity | no | 500 | 1.700 | 1.700 | 1.850 | 1.900 | 1.800 | 1.850 |
| Great-West Life | Annually | At maturity | no | 25,000 | 1.700 | 1.700 | 1.850 | 1.900 | 1.800 | 1.850 |
| Great-West Life | Annually | At maturity | no | 50,000 | 1.700 | 1.700 | 1.850 | 1.900 | 1.800 | 1.850 |
| Great-West Life | Not compounded | Annually | yes | 500 | 1.700 | 1.700 | 1.850 | 1.900 | 1.800 | 1.850 |
| Great-West Life | Not compounded | Annually | yes | 25,000 | 1.700 | 1.700 | 1.850 | 1.900 | 1.800 | 1.850 |
| Great-West Life | Not compounded | Annually | yes | 50,000 | 1.700 | 1.700 | 1.850 | 1.900 | 1.800 | 1.850 |
| Great-West Life | Annually | At maturity | yes | 500 | 1.700 | 1.700 | 1.850 | 1.900 | 1.800 | 1.850 |
| Great-West Life | Annually | At maturity | yes | 25,000 | 1.700 | 1.700 | 1.850 | 1.900 | 1.800 | 1.850 |
| Great-West Life | Annually | At maturity | yes | 50,000 | 1.700 | 1.700 | 1.850 | 1.900 | 1.800 | 1.850 |
| Great-West Life | Not compounded | Annually | no | 500 | 1.700 | 1.700 | 1.850 | 1.900 | 1.800 | 1.850 |
| London Life | Annually | At maturity | yes | 1,000 | 1.700 | 1.700 | 1.850 | 1.900 | 1.800 | - |
| London Life | Annually | At maturity | yes | 50,000 | 1.700 | 1.700 | 1.850 | 1.900 | 1.800 | - |
| Great-West Life | Not compounded | Monthly | no | 500 | 1.600 | 1.600 | 1.750 | 1.800 | 1.700 | 1.750 |
| Great-West Life | Not compounded | Monthly | no | 25,000 | 1.600 | 1.600 | 1.750 | 1.800 | 1.700 | 1.750 |
| Great-West Life | Not compounded | Monthly | no | 50,000 | 1.600 | 1.600 | 1.750 | 1.800 | 1.700 | 1.750 |
| Great-West Life | Not compounded | Monthly | yes | 500 | 1.600 | 1.600 | 1.750 | 1.800 | 1.700 | 1.750 |
| Great-West Life | Not compounded | Monthly | yes | 25,000 | 1.600 | 1.600 | 1.750 | 1.800 | 1.700 | 1.750 |
| Great-West Life | Not compounded | Monthly | yes | 50,000 | 1.600 | 1.600 | 1.750 | 1.800 | 1.700 | 1.750 |
| 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 | - |
| Laurentian Bank Canada | Not compounded | Annually | no | 500 | - | 1.300 | 1.500 | 1.580 | 1.650 | 1.650 |
| Laurentian Bank Canada | Not compounded | Monthly | no | 500 | 1.100 | 1.300 | 1.500 | 1.580 | 1.650 | 1.650 |
| Laurentian Bank Canada | Annually | Annually | no | 500 | - | 1.300 | 1.500 | 1.580 | 1.650 | 1.650 |
| HSBC Bank Canada | Annually | At maturity | no | 50,000 | 1.000 | 1.250 | 1.350 | 1.500 | 1.600 | - |
| HSBC Bank Canada | Annually | At maturity | no | 500 | 1.000 | 1.250 | 1.350 | 1.500 | 1.600 | - |
| National Bank | Annually | At maturity | no | 500 | 0.900 | 1.100 | 1.150 | 1.300 | 1.600 | - |
| Royal Bank of Canada | Annually | At maturity | no | 500 | 1.200 | 1.250 | 1.600 | 1.500 | 1.600 | - |
| Royal Bank of Canada | Not compounded | Annually | no | 500 | 1.200 | 1.250 | 1.600 | 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 | - |
| Desjardins - Caisses | Annually | At maturity | no | 500 | 0.900 | 1.150 | 1.250 | 1.400 | 1.550 | - |
| Desjardins - Fiducie | Annually | At maturity | no | 500 | 0.900 | 1.150 | 1.250 | 1.400 | 1.550 | - |
| BMO Bank of Montreal | Not compounded | Semi-annually | no | 1,000 | 0.850 | 1.050 | 1.150 | 1.250 | 1.500 | 1.500 |
| BMO Bank of Montreal | Not compounded | Annually | no | 1,000 | 0.850 | 1.050 | 1.150 | 1.250 | 1.500 | 1.500 |
| Royal Bank of Canada | Semi-annually | At maturity | yes | 500 | 0.950 | 1.000 | 1.350 | 1.250 | 1.350 | - |
| BMO Bank of Montreal | Not compounded | Semi-annually | yes | 1,000 | 0.600 | 0.800 | 0.900 | 1.000 | 1.250 | - |
| 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 | - |
| National Bank | Annually | At maturity | yes | 500 | 0.650 | 0.800 | 0.850 | 0.900 | 1.150 | - |
| 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 | 0.850 | - | - | - | - | - |
| CIBC | Not compounded | Annually | cashable | 500 | 0.600 | - | - | - | - | - |
| CIBC | Annually | At maturity | yes | 500 | 0.300 | 0.400 | 0.600 | - | - | - |
| Laurentian Bank Canada | Not compounded | At maturity | no | 500 | 1.100 | 1.100 | - | - | - | - |
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 June 22, 2018
This information is current as of the date and time posted and is subject to change without notice.
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