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
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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