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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 | |||||
| Hubert Financial | Annually | At maturity | yes | 1,000 | 2.350 | 2.450 | 2.550 | 2.650 | 2.950 | - |
|---|---|---|---|---|---|---|---|---|---|---|
| AcceleRate Financial | Annually | At maturity | no | 500 | 2.100 | 2.250 | 2.550 | 2.500 | 2.650 | 2.700 |
| Achieva Financial | Annually | At maturity | no | 1,000 | 2.100 | 2.250 | 2.350 | 2.500 | 2.650 | - |
| MAXA Financial | Not compounded | Annually | yes | 500 | 2.100 | 2.250 | 2.350 | 2.500 | 2.650 | - |
| Outlook Financial | Not compounded | Annually | yes | 1,000 | 2.100 | 2.250 | 2.350 | 2.500 | 2.650 | - |
| Outlook Financial | Annually | At maturity | yes | 1,000 | 2.100 | 2.250 | 2.350 | 2.500 | 2.650 | - |
| Peoples Trust | Annually | At maturity | no | 1,000 | 2.250 | 2.450 | 2.450 | 2.500 | 2.650 | - |
| DUCA Financial Services | Annually | At maturity | no | 500 | 1.800 | 2.050 | 2.250 | 2.400 | 2.600 | 2.600 |
| Entegra Credit Union | Not compounded | Annually | no | 1,000 | 2.000 | 2.150 | 2.250 | 2.400 | 2.550 | - |
| Entegra Credit Union | Annually | At maturity | no | 1,000 | 2.000 | 2.150 | 2.250 | 2.400 | 2.550 | - |
| Parama Credit Union | Annually | At maturity | no | 1,000 | 1.650 | 1.900 | 2.150 | 2.500 | 2.550 | - |
| Steinbach Credit Union | Annually | At maturity | no | 500 | 2.000 | 2.150 | 2.250 | 2.400 | 2.550 | - |
| Outlook Financial | Not compounded | Monthly | yes | 1,000 | 1.950 | 2.100 | 2.200 | 2.350 | 2.500 | - |
| Comtech Credit Union | Annually | At maturity | no | 200,000 | 1.850 | 2.100 | 2.150 | 2.250 | 2.350 | - |
| Comtech Credit Union | Annually | At maturity | no | 100,000 | 1.850 | 2.100 | 2.150 | 2.250 | 2.350 | - |
| Comtech Credit Union | Annually | At maturity | no | 50,000 | 1.850 | 2.100 | 2.150 | 2.250 | 2.350 | - |
| Comtech Credit Union | Annually | At maturity | no | 1,000 | 1.850 | 2.100 | 2.150 | 2.250 | 2.350 | - |
| Oaken Financial | Annually | At maturity | no | 1,000 | 1.800 | 2.100 | 2.150 | 2.200 | 2.300 | - |
| First Calgary Financial | Annually | At maturity | no | 500 | 1.250 | 1.450 | 1.450 | 1.500 | 2.250 | - |
| Libro Credit Union | Not compounded | Annually | no | 500 | 1.250 | 1.600 | 2.400 | 2.150 | 2.250 | - |
| Your Neighbourhood C.U. | Annually | At maturity | no | 100,000 | 1.500 | 1.700 | 1.900 | 2.200 | 2.250 | - |
| Your Neighbourhood C.U. | Not compounded | Annually | no | 100,000 | 1.500 | 1.700 | 1.900 | 2.200 | 2.250 | - |
| Canadian Direct Fin'l | Annually | At maturity | no | 500 | 1.500 | 1.700 | 1.850 | 2.050 | 2.200 | - |
| Community Trust | Annually | At maturity | no | 1,000 | 1.400 | 1.700 | 1.850 | 1.950 | 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 | 100,000 | 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 | - |
| Your Neighbourhood C.U. | Not compounded | Annually | no | 20,000 | 1.450 | 1.650 | 1.850 | 2.150 | 2.200 | - |
| Your Neighbourhood C.U. | Annually | At maturity | no | 20,000 | 1.450 | 1.650 | 1.850 | 2.150 | 2.200 | - |
| ATB Financial | Annually | At maturity | no | 500 | 1.500 | 2.000 | 1.150 | 1.300 | 2.150 | - |
| 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 | 500 | 1.400 | 1.600 | 1.800 | 2.100 | 2.150 | - |
| Your Neighbourhood C.U. | Annually | At maturity | no | 500 | 1.400 | 1.600 | 1.800 | 2.100 | 2.150 | - |
| PACE Savings & Credit Un | Annually | At maturity | no | 1,000 | 1.200 | 1.300 | 1.600 | 1.750 | 2.100 | - |
| B2B Bank | Not compounded | Annually | no | 1,000 | 1.400 | 1.300 | 1.800 | 1.900 | 2.060 | - |
| Home Trust Company | Annually | At maturity | no | 1,000 | 1.520 | 1.750 | 1.800 | 1.900 | 2.060 | - |
| Effort Trust | Annually | At maturity | no | 1,000 | 1.500 | 1.750 | 1.850 | 1.900 | 2.050 | - |
| Ontario Civil Service CU | Annually | At maturity | no | 10,000 | 1.300 | 1.450 | 1.500 | 1.750 | 2.050 | - |
| Ontario Civil Service CU | Annually | At maturity | no | 20,000 | 1.300 | 1.450 | 1.500 | 1.750 | 2.050 | - |
| Peace Hills Trust | Not compounded | Annually | no | 1,000 | 1.450 | 1.650 | 1.750 | 1.950 | 2.050 | - |
| Peace Hills Trust | Annually | At maturity | no | 1,000 | 1.450 | 1.650 | 1.750 | 1.950 | 2.050 | - |
| FirstOntario Credit Un. | Annually | At maturity | no | 500 | 1.500 | 1.700 | 1.800 | 1.900 | 2.000 | - |
| MCAN Mortgage Corp. | Not compounded | Annually | no | 100,000 | 1.600 | 1.800 | 1.800 | 1.900 | 2.000 | - |
| MCAN Mortgage Corp. | Annually | At maturity | no | 100,000 | 1.600 | 1.800 | 1.800 | 1.900 | 2.000 | - |
| Meridian Credit Union | Annually | At maturity | no | 500 | 1.250 | 1.350 | 1.550 | 1.750 | 2.000 | - |
| Sun Life - Trust | Annually | At maturity | no | 1,000 | 1.200 | 1.300 | 1.400 | 1.600 | 2.000 | - |
| Sun Life - Trust | Not compounded | Annually | no | 1,000 | 1.200 | 1.300 | 1.400 | 1.600 | 2.000 | - |
| Canadian Western Bank | Annually | At maturity | no | 500 | 1.250 | 1.450 | 1.600 | 1.800 | 1.950 | - |
| Canadian Western Trust | Annually | At maturity | no | 5,000 | 1.250 | 1.450 | 1.650 | 1.700 | 1.950 | - |
| MCAN Mortgage Corp. | Annually | At maturity | no | 25,000 | 1.550 | 1.750 | 1.750 | 1.850 | 1.950 | - |
| MCAN Mortgage Corp. | Not compounded | Annually | no | 25,000 | 1.550 | 1.750 | 1.750 | 1.850 | 1.950 | - |
| Manulife Bank | Annually | At maturity | no | 2,500 | 2.000 | 1.450 | 1.550 | 1.750 | 1.950 | - |
| Pacific & Western Bank | Annually | At maturity | no | 1,000 | 1.350 | 1.500 | 1.650 | 1.700 | 1.950 | - |
| ATB Financial | Semi-annually | At maturity | no | 500 | 1.250 | 1.750 | 0.900 | 1.050 | 1.900 | - |
| CFF Bank | Annually | At maturity | no | 25,000 | 1.200 | 1.400 | 1.550 | 1.700 | 1.900 | - |
| CFF Bank | Not compounded | Annually | no | 25,000 | 1.200 | 1.400 | 1.550 | 1.700 | 1.900 | - |
| Coast Capital Savings | Annually | At maturity | no | 1,000 | 1.300 | 1.400 | 1.600 | 1.700 | 1.900 | - |
| MCAN Mortgage Corp. | Not compounded | Annually | no | 5,000 | 1.500 | 1.700 | 1.700 | 1.800 | 1.900 | - |
| MCAN Mortgage Corp. | Annually | At maturity | no | 5,000 | 1.500 | 1.700 | 1.700 | 1.800 | 1.900 | - |
| Ontario Civil Service CU | Annually | At maturity | no | 5,000 | 1.000 | 1.100 | 1.350 | 1.600 | 1.900 | - |
| Ontario Civil Service CU | Annually | At maturity | no | 1,000 | 1.000 | 1.100 | 1.350 | 1.600 | 1.900 | - |
| Alterna Bank | Annually | At maturity | no | 500 | 1.200 | 1.800 | 1.500 | 1.700 | 1.850 | - |
| Alterna Savings | Annually | At maturity | no | 500 | 1.200 | 1.800 | 1.500 | 1.700 | 1.850 | - |
| CFF Bank | Annually | At maturity | no | 5,000 | 1.100 | 1.350 | 1.500 | 1.650 | 1.850 | - |
| CFF Bank | Not compounded | Annually | no | 5,000 | 1.100 | 1.350 | 1.500 | 1.650 | 1.850 | - |
| President's Choice Fin'l | Not compounded | Annually | no | 100 | 1.050 | 1.300 | 1.400 | 1.600 | 1.800 | - |
| President's Choice Fin'l | Annually | At maturity | no | 100 | 1.050 | 1.300 | 1.400 | 1.600 | 1.800 | - |
| Tangerine | Annually | At maturity | yes | 1 | 1.050 | 1.300 | 1.400 | 1.600 | 1.800 | - |
| Concentra Financial | Annually | At maturity | no | 1,000 | 1.100 | 1.200 | 1.400 | 1.500 | 1.700 | - |
| Industrial Alliance | Annually | At maturity | yes | 200,000 | 1.000 | 1.350 | 1.400 | 1.550 | 1.700 | - |
| Industrial Alliance | Not compounded | Annually | yes | 200,000 | 1.000 | 1.350 | 1.400 | 1.550 | 1.700 | - |
| Industrial Alliance | Not compounded | Annually | yes | 100,000 | 0.950 | 1.300 | 1.350 | 1.500 | 1.650 | - |
| Industrial Alliance | Annually | At maturity | yes | 100,000 | 0.950 | 1.300 | 1.350 | 1.500 | 1.650 | - |
| Industrial Alliance | Not compounded | Annually | yes | 25,000 | 0.900 | 1.250 | 1.300 | 1.450 | 1.600 | - |
| Industrial Alliance | Annually | At maturity | yes | 25,000 | 0.900 | 1.250 | 1.300 | 1.450 | 1.600 | - |
| Equitable Life | Annually | At maturity | yes | 500 | 0.750 | 0.900 | 1.000 | 1.200 | 1.550 | - |
| Equitable Life | Annually | At maturity | yes | 50,000 | 0.750 | 0.900 | 1.000 | 1.200 | 1.550 | - |
| Equitable Life | Annually | At maturity | yes | 25,000 | 0.750 | 0.900 | 1.000 | 1.200 | 1.550 | - |
| Sun Life - Insurance | Annually | At maturity | yes | 1,000 | 0.750 | 0.800 | 0.850 | 1.200 | 1.550 | - |
| Sun Life - Insurance | Not compounded | Annually | yes | 1,000 | 0.750 | 0.800 | 0.850 | 1.200 | 1.550 | - |
| Sun Life - Trust | Not compounded | Annually | yes | 1,000 | 0.750 | 0.800 | 0.850 | 1.200 | 1.550 | - |
| Sun Life - Trust | Annually | At maturity | yes | 1,000 | 0.750 | 0.800 | 0.850 | 1.200 | 1.550 | - |
| ATB Financial | Annually | At maturity | yes | 500 | 0.850 | 0.850 | 1.000 | 1.150 | 1.500 | - |
| BMO Bank of Montreal | Not compounded | Annually | no | 1,000 | 0.900 | 1.050 | 1.150 | 1.250 | 1.500 | 1.500 |
| BMO Bank of Montreal | Annually | At maturity | no | 1,000 | 0.900 | 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 | - |
| CIBC | Annually | At maturity | no | 500 | 0.650 | 0.850 | 0.950 | 1.150 | 1.500 | - |
| Caisses Desjardins | Annually | At maturity | no | 500 | 0.900 | 1.050 | 1.100 | 1.250 | 1.500 | - |
| Caisses Desjardins | Not compounded | Annually | no | 1,000 | 0.900 | 1.050 | 1.100 | 1.250 | 1.500 | - |
| Fiducie Desjardins | Annually | At maturity | no | 1,000 | - | 1.050 | 1.100 | 1.250 | 1.500 | - |
| Fiducie Desjardins | Not compounded | Annually | no | 1,000 | 0.900 | 1.050 | 1.100 | 1.250 | 1.500 | - |
| HSBC Bank Canada | Annually | At maturity | no | 50,000 | 0.950 | 1.000 | 1.100 | 1.300 | 1.500 | - |
| HSBC Bank Canada | Annually | At maturity | no | 500 | 0.950 | 1.000 | 1.100 | 1.300 | 1.500 | - |
| Laurentian Bank Canada | Annually | At maturity | no | 500 | 0.600 | 0.850 | 1.000 | 1.150 | 1.500 | - |
| Laurentian Bank Canada | Not compounded | Annually | no | 500 | 0.600 | 0.850 | 1.000 | 1.150 | 1.500 | - |
| Royal Bank of Canada | Not compounded | Annually | no | 500 | 0.900 | 1.100 | 1.100 | 1.300 | 1.500 | - |
| Royal Bank of Canada | Annually | At maturity | no | 500 | 0.900 | 1.100 | 1.100 | 1.300 | 1.500 | - |
| Servus Credit Union | Annually | At maturity | no | 500 | 1.000 | 1.100 | 1.150 | 1.250 | 1.500 | - |
| Windsor Family C.U. | Annually | At maturity | no | 500 | 0.900 | 1.100 | 1.150 | 1.300 | 1.500 | - |
| Caisses Desjardins | Not compounded | Monthly | no | 500 | 0.850 | 1.000 | 1.050 | 1.200 | 1.450 | - |
| Caisses Desjardins | Not compounded | Semi-annually | no | 500 | 0.850 | 1.000 | 1.050 | 1.200 | 1.450 | - |
| Industrial Alliance | Annually | At maturity | yes | 1,000 | 0.750 | 1.100 | 1.150 | 1.300 | 1.450 | - |
| Industrial Alliance | Not compounded | Annually | yes | 1,000 | 0.750 | 1.100 | 1.150 | 1.300 | 1.450 | - |
| National Bank | Annually | At maturity | no | 500 | 0.650 | 0.950 | 1.100 | 1.300 | 1.450 | - |
| TD Canada Trust | Not compounded | Annually | no | 500 | 1.000 | 1.050 | 1.100 | 1.200 | 1.300 | - |
| TD Canada Trust | Annually | At maturity | no | 500 | 1.000 | 1.050 | 1.100 | 1.200 | 1.300 | - |
| ATB Financial | Semi-annually | At maturity | yes | 500 | 0.600 | 0.600 | 0.750 | 0.900 | 1.250 | - |
| BMO Bank of Montreal | Annually | At maturity | yes | 1,000 | 0.750 | 0.800 | 0.900 | 1.000 | 1.250 | - |
| Empire Life | Annually | At maturity | yes | 100,000 | 0.875 | 0.875 | 1.000 | 1.125 | 1.250 | 1.375 |
| Laurentian Bank Canada | Annually | At maturity | yes | 500 | 0.350 | 0.600 | 0.750 | 0.900 | 1.250 | - |
| Laurentian Bank Canada | Not compounded | Annually | yes | 500 | 0.350 | 0.600 | 0.750 | 0.900 | 1.250 | - |
| Royal Bank of Canada | Semi-annually | At maturity | yes | 500 | 0.650 | 0.850 | 0.850 | 1.050 | 1.250 | - |
| National Bank | Annually | At maturity | yes | 500 | 0.400 | 0.650 | 0.800 | 1.000 | 1.150 | - |
| Empire Life | Annually | At maturity | yes | 50,000 | 0.750 | 0.750 | 0.875 | 1.000 | 1.125 | 1.250 |
| Manulife Investments | Annually | At maturity | no | 2,500 | 0.850 | 1.050 | 0.750 | 0.950 | 1.100 | 1.100 |
| Empire Life | Annually | At maturity | yes | 500 | 0.625 | 0.625 | 0.750 | 0.875 | 1.000 | 1.125 |
| Canada Life | Annually | At maturity | yes | 75,000 | 0.800 | 0.800 | 0.800 | 0.850 | 0.900 | 1.250 |
| Great-West Life | Annually | At maturity | yes | 50,000 | 0.800 | 0.800 | 0.800 | 0.850 | 0.900 | 1.250 |
| Great-West Life | Not compounded | Annually | no | 50,000 | 0.800 | 0.800 | 0.800 | 0.850 | 0.900 | 1.250 |
| Great-West Life | Annually | At maturity | no | 50,000 | 0.800 | 0.800 | 0.800 | 0.850 | 0.900 | 1.250 |
| Great-West Life | Not compounded | Annually | yes | 50,000 | 0.800 | 0.800 | 0.800 | 0.850 | 0.900 | 1.250 |
| London Life | Annually | At maturity | yes | 50,000 | 0.800 | 0.800 | 0.800 | 0.850 | 0.900 | - |
| Manulife Investments | Annually | At maturity | yes | 2,500 | 0.600 | 0.800 | 0.500 | 0.700 | 0.850 | 0.850 |
| Standard Life | Annually | At maturity | yes | 100,000 | 0.600 | 0.800 | 0.500 | 0.700 | 0.850 | 0.850 |
| Standard Life | Annually | At maturity | yes | 50,000 | 0.600 | 0.800 | 0.500 | 0.700 | 0.850 | 0.850 |
| Standard Life | Annually | At maturity | yes | 25,000 | 0.600 | 0.800 | 0.500 | 0.700 | 0.850 | 0.850 |
| Standard Life | Annually | At maturity | yes | 1,000 | 0.600 | 0.800 | 0.500 | 0.700 | 0.850 | 0.850 |
| Standard Life | Annually | At maturity | yes | 500,000 | 0.600 | 0.800 | 0.500 | 0.700 | 0.850 | 0.850 |
| Standard Life | Annually | At maturity | yes | 250,000 | 0.600 | 0.800 | 0.500 | 0.700 | 0.850 | 0.850 |
| Canada Life | Annually | At maturity | yes | 25,000 | 0.675 | 0.675 | 0.675 | 0.725 | 0.775 | 1.125 |
| Great-West Life | Annually | At maturity | no | 25,000 | 0.675 | 0.675 | 0.675 | 0.725 | 0.775 | 1.125 |
| Great-West Life | Not compounded | Annually | yes | 25,000 | 0.675 | 0.675 | 0.675 | 0.725 | 0.775 | 1.125 |
| Great-West Life | Annually | At maturity | yes | 25,000 | 0.675 | 0.675 | 0.675 | 0.725 | 0.775 | 1.125 |
| Great-West Life | Not compounded | Annually | no | 25,000 | 0.675 | 0.675 | 0.675 | 0.725 | 0.775 | 1.125 |
| Canada Life | Annually | At maturity | yes | 1,000 | 0.550 | 0.550 | 0.550 | 0.600 | 0.650 | 1.000 |
| Great-West Life | Not compounded | Annually | no | 500 | 0.550 | 0.550 | 0.550 | 0.600 | 0.650 | 1.000 |
| Great-West Life | Annually | At maturity | no | 500 | 0.550 | 0.550 | 0.550 | 0.600 | 0.650 | 1.000 |
| Great-West Life | Not compounded | Annually | yes | 500 | 0.550 | 0.550 | 0.550 | 0.600 | 0.650 | 1.000 |
| Great-West Life | Annually | At maturity | yes | 500 | 0.550 | 0.550 | 0.550 | 0.600 | 0.650 | 1.000 |
| London Life | Annually | At maturity | yes | 1,000 | 0.550 | 0.550 | 0.550 | 0.600 | 0.650 | - |
| Great-West Life | Not compounded | Monthly | no | 50,000 | 0.300 | 0.300 | 0.300 | 0.350 | 0.400 | 0.750 |
| Great-West Life | Not compounded | Monthly | yes | 50,000 | 0.300 | 0.300 | 0.300 | 0.350 | 0.400 | 0.750 |
| Great-West Life | Not compounded | Monthly | no | 25,000 | 0.175 | 0.175 | 0.175 | 0.225 | 0.275 | 0.625 |
| Great-West Life | Not compounded | Monthly | yes | 25,000 | 0.175 | 0.175 | 0.175 | 0.225 | 0.275 | 0.625 |
| Great-West Life | Not compounded | Monthly | no | 500 | 0.050 | 0.050 | 0.050 | 0.100 | 0.150 | 0.500 |
| Great-West Life | Not compounded | Monthly | yes | 500 | 0.050 | 0.050 | 0.050 | 0.100 | 0.150 | 0.500 |
| Alterna Bank | Not compounded | Annually | yes | 500 | 0.900 | - | - | - | - | - |
| Alterna Savings | Not compounded | Annually | yes | 500 | 0.900 | - | - | - | - | - |
| 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 | 0.400 | 0.600 | 0.700 | - | - | - |
| CIBC | Not compounded | Annually | cashable | 500 | 0.500 | - | - | - | - | - |
| Concentra Financial | Not compounded | Annually | cashable | 5,000 | 0.700 | - | - | - | - | - |
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 February 28, 2015
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.