Quick Links
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 | 2.050 | 2.350 | 2.400 | 2.600 | 3.050 | - |
|---|---|---|---|---|---|---|---|---|---|---|
| ICICI Bank Canada | Annually | At maturity | yes | 1,000 | 1.750 | 2.050 | 2.500 | 2.600 | 3.000 | - |
| DUCA Financial Services | Annually | At maturity | no | 500 | 1.750 | 2.000 | 2.150 | 2.400 | 2.800 | 2.800 |
| Outlook Financial | Not compounded | Annually | yes | 1,000 | 2.150 | 2.300 | 2.500 | 2.650 | 2.800 | - |
| Outlook Financial | Annually | At maturity | yes | 1,000 | 2.150 | 2.300 | 2.500 | 2.650 | 2.800 | - |
| MAXA Financial | Not compounded | Annually | yes | 500 | 2.150 | 2.250 | 2.400 | 2.550 | 2.700 | 0.000 |
| Canadian Direct Fin'l | Annually | At maturity | no | 500 | 1.900 | 2.200 | 2.250 | 2.550 | 2.670 | - |
| Outlook Financial | Not compounded | Monthly | yes | 1,000 | 2.000 | 2.150 | 2.350 | 2.500 | 2.650 | - |
| AcceleRate Financial | Annually | At maturity | no | 500 | 2.200 | 2.250 | 2.350 | 2.450 | 2.600 | 2.650 |
| Achieva Financial | Annually | At maturity | no | 1,000 | 2.150 | 2.250 | 2.350 | 2.450 | 2.600 | - |
| Effort Trust | Annually | At maturity | no | 1,000 | 1.750 | 1.950 | 2.150 | 2.350 | 2.600 | - |
| FirstOntario Credit Un. | Annually | At maturity | no | 500 | 1.800 | 1.750 | 2.000 | 2.300 | 2.600 | - |
| Home Trust Company | Annually | At maturity | no | 1,000 | 1.800 | 2.000 | 2.100 | 2.350 | 2.600 | - |
| Steinbach Credit Union | Annually | At maturity | no | 500 | 2.100 | 2.200 | 2.350 | 2.450 | 2.600 | - |
| B2B Bank | Annually | At maturity | no | 1,000 | 1.450 | 1.850 | 2.050 | 2.200 | 2.550 | 2.200 |
| Parama Credit Union | Annually | At maturity | no | 1,000 | 1.650 | 1.900 | 2.150 | 2.350 | 2.550 | - |
| Tangerine | Annually | At maturity | yes | 1 | 1.350 | 1.650 | 1.900 | 2.200 | 2.550 | - |
| Your Neighbourhood C.U. | Annually | At maturity | no | 100,000 | 1.800 | 1.900 | 2.000 | 2.350 | 2.550 | - |
| Your Neighbourhood C.U. | Not compounded | Annually | no | 100,000 | 1.800 | 1.900 | 2.000 | 2.350 | 2.550 | - |
| Entegra Credit Union | Annually | At maturity | no | 1,000 | 2.000 | 2.100 | 2.200 | 2.350 | 2.500 | - |
| Entegra Credit Union | Not compounded | Annually | no | 1,000 | 2.000 | 2.100 | 2.200 | 2.350 | 2.500 | - |
| President's Choice Fin'l | Not compounded | Annually | no | 100 | 1.400 | 1.650 | 1.900 | 2.200 | 2.500 | - |
| President's Choice Fin'l | Annually | At maturity | no | 100 | 1.400 | 1.650 | 1.900 | 2.200 | 2.500 | - |
| State Bank of India (C) | Annually | Annually | no | 2,000 | 1.650 | 1.900 | 2.250 | 2.350 | 2.500 | - |
| Your Neighbourhood C.U. | Not compounded | Annually | no | 20,000 | 1.750 | 1.850 | 1.950 | 2.300 | 2.500 | - |
| Your Neighbourhood C.U. | Annually | At maturity | no | 20,000 | 1.750 | 1.850 | 1.950 | 2.300 | 2.500 | - |
| Meridian Credit Union | Annually | At maturity | no | 500 | 1.500 | 1.600 | 1.900 | 2.300 | 2.480 | - |
| Manulife Bank | Annually | At maturity | no | 2,500 | 1.460 | 1.650 | 1.900 | 2.200 | 2.450 | - |
| Sun Life - Trust | Annually | At maturity | no | 1,000 | 1.150 | 1.300 | 1.700 | 2.100 | 2.450 | - |
| Sun Life - Trust | Not compounded | Annually | no | 1,000 | 1.150 | 1.300 | 1.700 | 2.100 | 2.450 | - |
| Your Neighbourhood C.U. | Not compounded | Annually | no | 500 | 1.700 | 1.800 | 1.900 | 2.250 | 2.450 | - |
| Your Neighbourhood C.U. | Annually | At maturity | no | 500 | 1.700 | 1.800 | 1.900 | 2.250 | 2.450 | - |
| Canadian Western Bank | Annually | At maturity | no | 500 | 1.650 | 1.950 | 2.000 | 2.300 | 2.420 | - |
| CFF Bank | Annually | At maturity | no | 25,000 | 1.800 | 1.850 | 2.000 | 2.150 | 2.400 | - |
| CFF Bank | Not compounded | Annually | no | 25,000 | 1.800 | 1.850 | 2.000 | 2.150 | 2.400 | - |
| Community Trust | Annually | At maturity | no | 1,000 | 1.450 | 1.650 | 1.900 | 2.200 | 2.400 | - |
| Comtech Credit Union | Annually | At maturity | no | 50,000 | 2.150 | 1.700 | 2.000 | 2.150 | 2.400 | - |
| Comtech Credit Union | Annually | At maturity | no | 1,000 | 1.650 | 1.700 | 2.000 | 2.150 | 2.400 | - |
| Comtech Credit Union | Annually | At maturity | no | 100,000 | 2.150 | 1.700 | 2.000 | 2.150 | 2.400 | - |
| Comtech Credit Union | Annually | At maturity | no | 200,000 | 2.150 | 1.700 | 2.000 | 2.150 | 2.400 | - |
| MCAN Mortgage Corp. | Annually | At maturity | no | 100,000 | 2.000 | 2.200 | 2.200 | 2.200 | 2.400 | - |
| MCAN Mortgage Corp. | Not compounded | Annually | no | 100,000 | 2.000 | 2.200 | 2.200 | 2.200 | 2.400 | - |
| Peace Hills Trust | Annually | At maturity | no | 1,000 | 1.450 | 1.750 | 2.000 | 2.250 | 2.400 | - |
| Peace Hills Trust | Not compounded | Annually | no | 1,000 | 1.450 | 1.750 | 2.000 | 2.250 | 2.400 | - |
| CFF Bank | Annually | At maturity | no | 5,000 | 1.750 | 1.800 | 1.950 | 2.100 | 2.350 | - |
| CFF Bank | Not compounded | Annually | no | 5,000 | 1.750 | 1.800 | 1.950 | 2.100 | 2.350 | - |
| Empire Life | Annually | At maturity | yes | 100,000 | 1.350 | 1.550 | 1.750 | 2.050 | 2.350 | 2.350 |
| First Calgary Financial | Annually | At maturity | no | 500 | 1.250 | 1.650 | 1.700 | 1.750 | 2.350 | - |
| MCAN Mortgage Corp. | Not compounded | Annually | no | 25,000 | 1.950 | 2.150 | 2.150 | 2.150 | 2.350 | - |
| MCAN Mortgage Corp. | Annually | At maturity | no | 25,000 | 1.950 | 2.150 | 2.150 | 2.150 | 2.350 | - |
| MCAN Mortgage Corp. | Not compounded | Annually | no | 5,000 | 1.900 | 2.100 | 2.100 | 2.100 | 2.300 | - |
| MCAN Mortgage Corp. | Annually | At maturity | no | 5,000 | 1.900 | 2.100 | 2.100 | 2.100 | 2.300 | - |
| Peoples Trust | Annually | At maturity | no | 5,000 | 1.450 | 1.600 | 1.850 | 2.100 | 2.300 | - |
| Coast Capital Savings | Annually | At maturity | no | 1,000 | 1.550 | 1.650 | 1.950 | 2.050 | 2.250 | - |
| Concentra Financial | Annually | At maturity | no | 1,000 | 1.200 | 1.300 | 1.500 | 1.600 | 2.250 | - |
| Empire Life | Annually | At maturity | yes | 50,000 | 1.225 | 1.425 | 1.625 | 1.925 | 2.225 | 2.225 |
| Equitable Life | Annually | At maturity | yes | 50,000 | 1.325 | 1.525 | 1.725 | 1.975 | 2.225 | - |
| ATB Financial | Annually | At maturity | no | 500 | 1.470 | 1.600 | 1.750 | 2.000 | 2.200 | - |
| Alterna Bank | Annually | At maturity | no | 500 | 1.400 | 1.700 | 1.950 | 2.000 | 2.200 | - |
| Alterna Savings | Annually | At maturity | no | 500 | 1.400 | 1.700 | 1.950 | 2.000 | 2.200 | - |
| Canadian Western Trust | Annually | At maturity | no | 5,000 | 1.250 | 1.400 | 1.600 | 1.850 | 2.200 | - |
| Industrial Alliance | Annually | At maturity | yes | 200,000 | 1.150 | 1.350 | 1.600 | 1.850 | 2.200 | - |
| Industrial Alliance | Not compounded | Annually | yes | 200,000 | 1.150 | 1.350 | 1.600 | 1.850 | 2.200 | - |
| Libro Credit Union | Not compounded | Annually | no | 1,000 | 1.100 | 2.200 | 1.800 | 2.000 | 2.200 | - |
| Manulife Investments | Annually | At maturity | no | 2,500 | 1.200 | 1.450 | 1.650 | 1.900 | 2.200 | 2.200 |
| Ontario Civil Service CU | Annually | At maturity | no | 60,000 | 1.350 | 1.600 | 1.750 | 1.900 | 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 | - |
| Pacific & Western Bank | Annually | At maturity | no | 1,000 | 1.460 | 1.700 | 1.900 | 2.050 | 2.200 | - |
| Royal Bank of Canada | Not compounded | Annually | no | 500 | 1.300 | 1.550 | 1.750 | 1.600 | 2.200 | - |
| Royal Bank of Canada | Annually | At maturity | no | 500 | 1.300 | 1.550 | 1.750 | 1.600 | 2.200 | - |
| TD Canada Trust | Not compounded | Annually | no | 500 | 1.300 | 1.350 | 1.400 | 1.600 | 2.200 | - |
| TD Canada Trust | Annually | At maturity | no | 500 | 1.300 | 1.350 | 1.400 | 1.600 | 2.200 | - |
| Desjardins Fin. Security | Not compounded | Annually | yes | 500 | 0.850 | 1.000 | 1.450 | 1.850 | 2.150 | - |
| Desjardins Fin. Security | Annually | At maturity | yes | 500 | 0.850 | 1.000 | 1.450 | 1.850 | 2.150 | - |
| Industrial Alliance | Not compounded | Annually | yes | 100,000 | 1.100 | 1.300 | 1.550 | 1.800 | 2.150 | - |
| Industrial Alliance | Annually | At maturity | yes | 100,000 | 1.100 | 1.300 | 1.550 | 1.800 | 2.150 | - |
| Empire Life | Annually | At maturity | yes | 500 | 1.100 | 1.300 | 1.500 | 1.800 | 2.100 | 2.100 |
| Equitable Life | Annually | At maturity | yes | 500 | 1.200 | 1.400 | 1.600 | 1.850 | 2.100 | - |
| Equitable Life | Annually | At maturity | yes | 25,000 | 1.200 | 1.400 | 1.600 | 1.850 | 2.100 | - |
| Industrial Alliance | Not compounded | Annually | yes | 25,000 | 1.050 | 1.250 | 1.500 | 1.750 | 2.100 | - |
| Industrial Alliance | Annually | At maturity | yes | 25,000 | 1.050 | 1.250 | 1.500 | 1.750 | 2.100 | - |
| PACE Savings & Credit Un | Annually | At maturity | no | 1,000 | 1.200 | 1.500 | 1.600 | 1.750 | 2.100 | - |
| Servus Credit Union | Annually | At maturity | no | 500 | 1.300 | 1.350 | 1.400 | 1.600 | 2.100 | - |
| Standard Life | Annually | At maturity | yes | 250,000 | 1.200 | 1.400 | 1.600 | 1.850 | 2.100 | 2.200 |
| Standard Life | Annually | At maturity | yes | 100,000 | 1.200 | 1.400 | 1.600 | 1.850 | 2.100 | 2.200 |
| Standard Life | Annually | At maturity | yes | 1,000 | 1.200 | 1.400 | 1.600 | 1.850 | 2.100 | 2.200 |
| Standard Life | Annually | At maturity | yes | 50,000 | 1.200 | 1.400 | 1.600 | 1.850 | 2.100 | 2.200 |
| Standard Life | Annually | At maturity | yes | 25,000 | 1.200 | 1.400 | 1.600 | 1.850 | 2.100 | 2.200 |
| Standard Life | Annually | At maturity | yes | 500,000 | 1.200 | 1.400 | 1.600 | 1.850 | 2.100 | 2.200 |
| 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 | - |
| Sun Life - Insurance | Not compounded | Annually | yes | 1,000 | 0.900 | 1.000 | 1.200 | 1.750 | 2.000 | - |
| Sun Life - Insurance | Annually | At maturity | yes | 1,000 | 0.900 | 1.000 | 1.200 | 1.750 | 2.000 | - |
| Sun Life - Trust | Not compounded | Annually | yes | 1,000 | 0.900 | 1.000 | 1.200 | 1.750 | 2.000 | - |
| Sun Life - Trust | Annually | At maturity | yes | 1,000 | 0.900 | 1.000 | 1.200 | 1.750 | 2.000 | - |
| ATB Financial | Semi-annually | At maturity | no | 500 | 1.220 | 1.350 | 1.500 | 1.750 | 1.950 | - |
| BMO Bank of Montreal | Annually | At maturity | no | 500 | 1.000 | 1.150 | 1.350 | 1.600 | 1.950 | 1.950 |
| BMO Bank of Montreal | Not compounded | Annually | no | 500 | 1.000 | 1.150 | 1.350 | 1.600 | 1.950 | 1.950 |
| Canada Life | Annually | At maturity | yes | 75,000 | 0.900 | 1.100 | 1.300 | 1.650 | 1.950 | 2.400 |
| Great-West Life | Not compounded | Annually | no | 50,000 | 0.900 | 1.100 | 1.300 | 1.650 | 1.950 | 2.400 |
| Great-West Life | Annually | At maturity | no | 50,000 | 0.900 | 1.100 | 1.300 | 1.650 | 1.950 | 2.400 |
| Great-West Life | Not compounded | Annually | yes | 50,000 | 0.900 | 1.100 | 1.300 | 1.650 | 1.950 | 2.400 |
| Great-West Life | Annually | At maturity | yes | 50,000 | 0.900 | 1.100 | 1.300 | 1.650 | 1.950 | 2.400 |
| HSBC Bank Canada | Annually | At maturity | no | 500 | 1.150 | 1.250 | 1.350 | 1.600 | 1.950 | - |
| HSBC Bank Canada | Annually | At maturity | no | 50,000 | 1.150 | 1.250 | 1.350 | 1.600 | 1.950 | - |
| Industrial Alliance | Annually | At maturity | yes | 1,000 | 0.900 | 1.100 | 1.350 | 1.600 | 1.950 | - |
| Industrial Alliance | Not compounded | Annually | yes | 1,000 | 0.900 | 1.100 | 1.350 | 1.600 | 1.950 | - |
| London Life | Annually | At maturity | yes | 50,000 | 0.900 | 1.100 | 1.300 | 1.650 | 1.950 | - |
| Manulife Investments | Annually | At maturity | yes | 2,500 | 0.950 | 1.200 | 1.400 | 1.650 | 1.950 | 1.950 |
| Royal Bank of Canada | Semi-annually | At maturity | yes | 500 | 1.050 | 1.300 | 1.500 | 1.350 | 1.950 | - |
| 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 | - |
| Canada Life | Annually | At maturity | yes | 25,000 | 0.775 | 0.975 | 1.175 | 1.525 | 1.825 | 2.275 |
| Great-West Life | Not compounded | Annually | no | 25,000 | 0.775 | 0.975 | 1.175 | 1.525 | 1.825 | 2.275 |
| Great-West Life | Annually | At maturity | no | 25,000 | 0.775 | 0.975 | 1.175 | 1.525 | 1.825 | 2.275 |
| Great-West Life | Not compounded | Annually | yes | 25,000 | 0.775 | 0.975 | 1.175 | 1.525 | 1.825 | 2.275 |
| Great-West Life | Annually | At maturity | yes | 25,000 | 0.775 | 0.975 | 1.175 | 1.525 | 1.825 | 2.275 |
| Bank of Nova Scotia | Annually | At maturity | no | 500 | 0.900 | 1.100 | 1.250 | 1.400 | 1.750 | - |
| Bk Nova Scotia Mtg. Corp | Annually | At maturity | no | 500 | 0.900 | 1.100 | 1.250 | 1.400 | 1.750 | - |
| CIBC | Annually | At maturity | no | 500 | 0.900 | 1.100 | 1.250 | 1.400 | 1.750 | - |
| Caisses Desjardins | Annually | At maturity | no | 500 | 0.900 | 1.150 | 1.250 | 1.500 | 1.750 | - |
| Caisses Desjardins | Not compounded | Annually | no | 1,000 | 0.900 | 1.150 | 1.250 | 1.500 | 1.750 | - |
| Fiducie Desjardins | Annually | At maturity | no | 1,000 | - | 1.150 | 1.250 | 1.500 | 1.750 | - |
| Fiducie Desjardins | Not compounded | Annually | no | 1,000 | 0.900 | 1.150 | 1.250 | 1.500 | 1.750 | - |
| Laurentian Bank Canada | Annually | At maturity | no | 500 | 0.850 | 1.100 | 1.250 | 1.400 | 1.750 | - |
| Laurentian Bank Canada | Not compounded | Annually | no | 500 | 0.850 | 1.100 | 1.250 | 1.400 | 1.750 | - |
| Laurentienne Trust | Annually | At maturity | no | 500 | - | 1.100 | 1.250 | 1.400 | 1.750 | - |
| Laurentienne Trust | Not compounded | Annually | no | 500 | 0.850 | 1.100 | 1.250 | 1.400 | 1.750 | - |
| National Bank | Annually | At maturity | no | 500 | 0.900 | 1.150 | 1.250 | 1.500 | 1.750 | - |
| Windsor Family C.U. | Annually | At maturity | no | 500 | 0.900 | 1.100 | 1.250 | 1.400 | 1.750 | - |
| BMO Bank of Montreal | Annually | At maturity | yes | 500 | 0.750 | 0.900 | 1.100 | 1.350 | 1.700 | 2.200 |
| Caisses Desjardins | Not compounded | Semi-annually | no | 500 | 0.850 | 1.100 | 1.200 | 1.450 | 1.700 | - |
| Caisses Desjardins | Not compounded | Monthly | no | 500 | 0.850 | 1.100 | 1.200 | 1.450 | 1.700 | - |
| Canada Life | Annually | At maturity | yes | 1,000 | 0.650 | 0.850 | 1.050 | 1.400 | 1.700 | 2.150 |
| Great-West Life | Annually | At maturity | no | 500 | 0.650 | 0.850 | 1.050 | 1.400 | 1.700 | 2.150 |
| Great-West Life | Not compounded | Annually | yes | 500 | 0.650 | 0.850 | 1.050 | 1.400 | 1.700 | 2.150 |
| Great-West Life | Annually | At maturity | yes | 500 | 0.650 | 0.850 | 1.050 | 1.400 | 1.700 | 2.150 |
| Great-West Life | Not compounded | Annually | no | 500 | 0.650 | 0.850 | 1.050 | 1.400 | 1.700 | 2.150 |
| London Life | Annually | At maturity | yes | 1,000 | 0.650 | 0.850 | 1.050 | 1.400 | 1.700 | - |
| ATB Financial | Annually | At maturity | yes | 500 | 0.850 | 0.850 | 1.000 | 1.150 | 1.500 | - |
| Laurentian Bank Canada | Not compounded | Annually | yes | 500 | 0.600 | 0.850 | 1.000 | 1.150 | 1.500 | - |
| Laurentian Bank Canada | Annually | At maturity | yes | 500 | 0.650 | 0.850 | 1.000 | 1.150 | 1.500 | - |
| Laurentienne Trust | Not compounded | Semi-annually | no | 500 | 0.600 | 0.850 | 1.000 | 1.150 | 1.500 | - |
| Great-West Life | Not compounded | Monthly | no | 50,000 | 0.400 | 0.600 | 0.800 | 1.150 | 1.450 | 1.900 |
| Great-West Life | Not compounded | Monthly | yes | 50,000 | 0.400 | 0.600 | 0.800 | 1.150 | 1.450 | 1.900 |
| National Bank | Annually | At maturity | yes | 500 | 0.650 | 0.850 | 0.950 | 1.200 | 1.450 | - |
| Laurentienne Trust | Not compounded | Quarterly | no | 500 | 0.500 | 0.730 | 0.880 | 1.030 | 1.380 | - |
| Great-West Life | Not compounded | Monthly | no | 25,000 | 0.275 | 0.475 | 0.675 | 1.025 | 1.325 | 1.775 |
| Great-West Life | Not compounded | Monthly | yes | 25,000 | 0.275 | 0.475 | 0.675 | 1.025 | 1.325 | 1.775 |
| ATB Financial | Semi-annually | At maturity | yes | 500 | 0.600 | 0.600 | 0.750 | 0.900 | 1.250 | - |
| Laurentienne Trust | Not compounded | Monthly | no | 500 | 0.500 | 0.600 | 0.750 | 0.900 | 1.250 | - |
| Great-West Life | Not compounded | Monthly | yes | 500 | 0.150 | 0.350 | 0.550 | 0.900 | 1.200 | 1.650 |
| Great-West Life | Not compounded | Monthly | no | 500 | 0.150 | 0.350 | 0.550 | 0.900 | 1.200 | 1.650 |
| Alterna Bank | Not compounded | Annually | yes | 500 | 1.100 | - | - | - | - | - |
| Alterna Savings | Not compounded | Annually | yes | 500 | 1.100 | - | - | - | - | - |
| 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 | 0.650 | 0.850 | 1.000 | - | - | - |
| CIBC | Not compounded | Annually | cashable | 500 | 0.800 | - | - | - | - | - |
| Concentra Financial | Not compounded | Annually | cashable | 5,000 | 0.900 | - | - | - | - | - |
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 24, 2014
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.