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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 | |||||
Motive Financial | Annually | At maturity | no | 500 | 2.500 | 2.890 | 3.120 | 3.150 | 3.350 | - |
---|---|---|---|---|---|---|---|---|---|---|
Oaken Financial | Annually | At maturity | no | 1,000 | 2.750 | 3.100 | 3.150 | 3.200 | 3.250 | - |
Community Trust | Annually | At maturity | no | 50,000 | 2.500 | 2.900 | 2.950 | 2.950 | 3.200 | - |
Home Bank - Agent | Annually | At maturity | no | 1,000 | 2.360 | 2.730 | 2.970 | 3.010 | 3.200 | - |
Canadian Western Bank | Annually | At maturity | no | 500 | 2.300 | 2.690 | 2.920 | 2.950 | 3.150 | - |
Home Trust Company-Agent | Annually | At maturity | no | 1,000 | 2.310 | 2.680 | 2.920 | 2.960 | 3.150 | - |
Hubert Financial | Annually | At maturity | no | 1,000 | 2.450 | 2.750 | 2.750 | 3.250 | 3.150 | - |
MCAN Mortgage Corp. | Annually | At maturity | no | 100,000 | 2.400 | 2.750 | 2.900 | 2.950 | 3.150 | - |
MCAN Mortgage Corp. | Annually | At maturity | no | 25,000 | 2.400 | 2.750 | 2.900 | 2.950 | 3.150 | - |
MCAN Mortgage Corp. | Not compounded | Annually | no | 100,000 | 2.400 | 2.750 | 2.900 | 2.950 | 3.150 | - |
MCAN Mortgage Corp. | Not compounded | Annually | no | 25,000 | 2.400 | 2.750 | 2.900 | 2.950 | 3.150 | - |
B2B Bank | Annually | At maturity | no | 1,000 | 2.250 | 2.640 | 2.800 | 2.850 | 3.120 | - |
AcceleRate Financial | Annually | At maturity | no | 500 | 2.400 | 2.600 | 2.750 | 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 | - |
Community Trust | Annually | At maturity | no | 1,000 | 2.400 | 2.800 | 2.850 | 2.850 | 3.100 | - |
MAXA Financial | Not compounded | Annually | no | 500 | 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 | - |
Outlook Financial | Annually | At maturity | yes | 1,000 | 2.400 | 2.600 | 2.750 | 2.900 | 3.100 | - |
Canadian Western Trust | Annually | At maturity | no | 5,000 | 2.200 | 2.620 | 2.850 | 2.900 | 3.080 | - |
MCAN Mortgage Corp. | Not compounded | Annually | no | 5,000 | 2.300 | 2.650 | 2.800 | 2.850 | 3.050 | - |
MCAN Mortgage Corp. | Annually | At maturity | no | 5,000 | 2.300 | 2.650 | 2.800 | 2.850 | 3.050 | - |
Peoples Trust | Annually | At maturity | no | 1,000 | 2.400 | 2.650 | 2.750 | 2.850 | 3.050 | - |
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 | - |
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 | - |
Steinbach Credit Union | Annually | At maturity | no | 500 | 2.300 | 2.500 | 2.650 | 2.800 | 3.000 | - |
Tangerine | Annually | At maturity | no | 1 | 2.300 | 2.500 | 2.600 | 2.650 | 3.000 | - |
Outlook Financial | Not compounded | Monthly | yes | 1,000 | 2.250 | 2.450 | 2.600 | 2.750 | 2.950 | - |
VersaBank (Pac&WestBank) | Annually | At maturity | no | 1,000 | 2.060 | 2.360 | 2.610 | 2.780 | 2.860 | - |
ATB Financial | Annually | At maturity | no | 500 | 2.100 | 2.400 | 2.600 | 2.750 | 2.800 | - |
Empire Life | Annually | At maturity | yes | 100,000 | 1.700 | 2.050 | 2.200 | 2.350 | 2.800 | 2.300 |
Manulife Bank | Annually | At maturity | no | 2,500 | 1.900 | 2.250 | 2.550 | 2.700 | 2.800 | - |
Comtech Credit Union | Annually | At maturity | no | 1,000 | 2.050 | 2.200 | 2.380 | 2.520 | 2.750 | - |
Comtech Credit Union | Annually | At maturity | no | 200,000 | 2.050 | 2.200 | 2.380 | 2.520 | 2.750 | - |
Comtech Credit Union | Annually | At maturity | no | 100,000 | 2.050 | 2.200 | 2.380 | 2.520 | 2.750 | - |
Comtech Credit Union | Annually | At maturity | no | 50,000 | 2.050 | 2.200 | 2.380 | 2.520 | 2.750 | - |
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 | 2.000 | 2.200 | 2.500 | 2.600 | 2.750 | - |
Simplii Financial | Not compounded | Annually | no | 100 | 2.000 | 2.200 | 2.500 | 2.600 | 2.750 | - |
Empire Life | Annually | At maturity | yes | 50,000 | 1.575 | 1.925 | 2.075 | 2.225 | 2.675 | 2.175 |
Effort Trust Company | Annually | At maturity | no | 1,000 | 2.400 | 2.650 | 2.650 | 2.650 | 2.650 | - |
Equitable Life | Annually | At maturity | yes | 50,000 | 1.550 | 2.050 | 2.450 | 2.450 | 2.600 | - |
Equitable Life | Annually | At maturity | yes | 25,000 | 1.550 | 2.050 | 2.450 | 2.450 | 2.600 | - |
Equitable Life | Annually | At maturity | yes | 500 | 1.550 | 2.050 | 2.450 | 2.450 | 2.600 | - |
Meridian Credit Union | Annually | At maturity | no | 500 | 2.000 | 2.150 | 2.200 | 2.350 | 2.600 | - |
Parama Credit Union | Annually | At maturity | no | 1,000 | 2.000 | 3.000 | 2.200 | 2.350 | 2.600 | - |
Sun Life - Trust | Annually | At maturity | no | 1,000 | 1.950 | 1.900 | 2.000 | 2.300 | 2.600 | - |
Sun Life - Trust | Not compounded | Annually | no | 1,000 | 1.950 | 1.900 | 2.000 | 2.300 | 2.600 | - |
ATB Financial | Semi-annually | At maturity | no | 500 | 1.850 | 2.150 | 2.350 | 2.500 | 2.550 | - |
Empire Life | Annually | At maturity | yes | 500 | 1.450 | 1.800 | 1.950 | 2.100 | 2.550 | 2.050 |
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 - Insurance | Annually | At maturity | yes | 1,000 | 1.800 | 1.750 | 1.800 | 2.150 | 2.500 | - |
Sun Life - Insurance | Not compounded | Annually | yes | 1,000 | 1.800 | 1.750 | 1.800 | 2.150 | 2.500 | - |
Kindred Credit Union | Annually | At maturity | no | 100,000 | 1.550 | 1.950 | 2.250 | 2.400 | 2.450 | - |
Sun Life - Trust | Annually | At maturity | yes | 1,000 | 1.750 | 1.650 | 1.650 | 2.100 | 2.450 | - |
Sun Life - Trust | Not compounded | Annually | yes | 1,000 | 1.750 | 1.650 | 1.650 | 2.100 | 2.450 | - |
Your Neighbourhood C.U. | Annually | At maturity | no | 100,000 | 1.900 | 2.050 | 2.200 | 2.300 | 2.450 | - |
Your Neighbourhood C.U. | Not compounded | Annually | no | 100,000 | 1.900 | 2.050 | 2.200 | 2.300 | 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 | 2.300 | 2.450 | 2.300 | 2.350 | 2.400 | - |
Your Neighbourhood C.U. | Not compounded | Annually | no | 20,000 | 1.850 | 2.000 | 2.150 | 2.250 | 2.400 | - |
Your Neighbourhood C.U. | Annually | At maturity | no | 20,000 | 1.850 | 2.000 | 2.150 | 2.250 | 2.400 | - |
Kindred Credit Union | Annually | At maturity | no | 25,000 | 1.550 | 1.800 | 2.050 | 2.250 | 2.350 | - |
Your Neighbourhood C.U. | Not compounded | Annually | no | 1,000 | 1.800 | 1.950 | 2.100 | 2.200 | 2.350 | - |
Your Neighbourhood C.U. | Annually | At maturity | no | 1,000 | 1.800 | 1.950 | 2.100 | 2.200 | 2.350 | - |
Kindred Credit Union | Annually | At maturity | no | 500 | 1.550 | 1.750 | 1.950 | 2.150 | 2.300 | - |
Libro Credit Union | Not compounded | Annually | no | 500 | 1.550 | 1.900 | 2.000 | 2.100 | 2.300 | - |
Industrial Alliance | Annually | At maturity | yes | 200,000 | 1.950 | 2.600 | 2.550 | 2.100 | 2.150 | - |
Industrial Alliance | Not compounded | Annually | yes | 200,000 | 1.950 | 2.600 | 2.550 | 2.100 | 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 | 2.550 | 2.500 | 2.050 | 2.100 | - |
Industrial Alliance | Annually | At maturity | yes | 100,000 | 1.900 | 2.550 | 2.500 | 2.050 | 2.100 | - |
ICICI Bank Canada | Annually | At maturity | yes | 1,000 | 1.350 | 1.550 | 1.650 | 1.850 | 2.050 | - |
Industrial Alliance | Annually | At maturity | yes | 25,000 | 1.850 | 2.500 | 2.450 | 2.000 | 2.050 | - |
Industrial Alliance | Not compounded | Annually | yes | 25,000 | 1.850 | 2.500 | 2.450 | 2.000 | 2.050 | - |
SBI Canada Bank | Annually | Annually | no | 1,000 | 1.350 | 1.550 | 1.650 | 1.850 | 2.050 | - |
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 | - |
Manulife Investments | Annually | At maturity | no | 2,500 | 1.750 | 1.800 | 1.850 | 1.850 | 1.950 | 1.950 |
Industrial Alliance | Not compounded | Annually | yes | 1,000 | 1.700 | 2.350 | 2.300 | 1.850 | 1.900 | - |
Industrial Alliance | Annually | At maturity | yes | 1,000 | 1.700 | 2.350 | 2.300 | 1.850 | 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 | - |
Canada Life | Annually | At maturity | yes | 25,000 | 1.600 | 1.650 | 1.850 | 1.900 | 1.800 | 1.850 |
Canada Life | Annually | At maturity | yes | 75,000 | 1.600 | 1.650 | 1.850 | 1.900 | 1.800 | 1.850 |
Canada Life | Annually | At maturity | yes | 1,000 | 1.600 | 1.650 | 1.850 | 1.900 | 1.800 | 1.850 |
Great-West Life | Not compounded | Annually | no | 500 | 1.600 | 1.650 | 1.850 | 1.900 | 1.800 | 1.850 |
Great-West Life | Not compounded | Annually | no | 25,000 | 1.600 | 1.650 | 1.850 | 1.900 | 1.800 | 1.850 |
Great-West Life | Not compounded | Annually | no | 50,000 | 1.600 | 1.650 | 1.850 | 1.900 | 1.800 | 1.850 |
Great-West Life | Annually | At maturity | no | 500 | 1.600 | 1.650 | 1.850 | 1.900 | 1.800 | 1.850 |
Great-West Life | Annually | At maturity | no | 25,000 | 1.600 | 1.650 | 1.850 | 1.900 | 1.800 | 1.850 |
Great-West Life | Annually | At maturity | no | 50,000 | 1.600 | 1.650 | 1.850 | 1.900 | 1.800 | 1.850 |
Great-West Life | Not compounded | Annually | yes | 500 | 1.600 | 1.650 | 1.850 | 1.900 | 1.800 | 1.850 |
Great-West Life | Not compounded | Annually | yes | 25,000 | 1.600 | 1.650 | 1.850 | 1.900 | 1.800 | 1.850 |
Great-West Life | Not compounded | Annually | yes | 50,000 | 1.600 | 1.650 | 1.850 | 1.900 | 1.800 | 1.850 |
Great-West Life | Annually | At maturity | yes | 500 | 1.600 | 1.650 | 1.850 | 1.900 | 1.800 | 1.850 |
Great-West Life | Annually | At maturity | yes | 25,000 | 1.600 | 1.650 | 1.850 | 1.900 | 1.800 | 1.850 |
Great-West Life | Annually | At maturity | yes | 50,000 | 1.600 | 1.650 | 1.850 | 1.900 | 1.800 | 1.850 |
London Life | Annually | At maturity | yes | 1,000 | 1.600 | 1.650 | 1.850 | 1.900 | 1.800 | - |
London Life | Annually | At maturity | yes | 50,000 | 1.600 | 1.650 | 1.850 | 1.900 | 1.800 | - |
Manulife Investments | Annually | At maturity | yes | 2,500 | 1.600 | 1.650 | 1.700 | 1.700 | 1.800 | 1.800 |
Great-West Life | Not compounded | Monthly | no | 500 | 1.500 | 1.550 | 1.750 | 1.800 | 1.700 | 1.750 |
Great-West Life | Not compounded | Monthly | no | 25,000 | 1.500 | 1.550 | 1.750 | 1.800 | 1.700 | 1.750 |
Great-West Life | Not compounded | Monthly | no | 50,000 | 1.500 | 1.550 | 1.750 | 1.800 | 1.700 | 1.750 |
Great-West Life | Not compounded | Monthly | yes | 500 | 1.500 | 1.550 | 1.750 | 1.800 | 1.700 | 1.750 |
Great-West Life | Not compounded | Monthly | yes | 25,000 | 1.500 | 1.550 | 1.750 | 1.800 | 1.700 | 1.750 |
Great-West Life | Not compounded | Monthly | yes | 50,000 | 1.500 | 1.550 | 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 | - |
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 | 1.100 | 1.250 | 1.350 | 1.500 | 1.600 | - |
Royal Bank of Canada | Not compounded | Annually | no | 500 | 1.100 | 1.250 | 1.350 | 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 | Annually | no | 100,000 | 0.850 | 1.050 | 1.150 | 1.250 | 1.500 | 1.500 |
BMO Bank of Montreal | Not compounded | Annually | no | 100,000 | 0.850 | 1.050 | 1.150 | 1.250 | 1.500 | 1.500 |
Laurentian Bank Canada | Annually | Annually | no | 500 | - | 1.300 | 1.400 | 1.450 | 1.500 | 1.500 |
Laurentian Bank Canada | Not compounded | Annually | no | 500 | - | 1.300 | 1.400 | 1.450 | 1.500 | 1.500 |
Laurentian Bank Canada | Not compounded | Monthly | no | 500 | 1.100 | 1.300 | 1.400 | 1.450 | 1.500 | 1.500 |
Royal Bank of Canada | Semi-annually | At maturity | yes | 500 | 0.850 | 1.000 | 1.100 | 1.250 | 1.350 | - |
BMO Bank of Montreal | Annually | At maturity | yes | 100,000 | 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 April 26, 2018
This information is current as of the date and time posted and is subject to change without notice.
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