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
ICICI Bank Canada Annually At maturity yes 1,000 1.750 2.050 2.500 2.600 3.000 -
Oaken Financial Annually At maturity no 1,000 2.000 2.350 2.400 2.600 2.900 -
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 -
AcceleRate Financial Annually At maturity no 500 2.250 2.400 2.500 2.750 2.750 2.800
Canadian Direct Fin'l Annually At maturity no 500 1.750 2.050 2.250 2.500 2.700 -
MAXA Financial Not compounded Annually yes 500 2.150 2.250 2.400 2.550 2.700 0.000
Outlook Financial Not compounded Monthly yes 1,000 2.000 2.150 2.350 2.500 2.650 -
Achieva Financial Annually At maturity no 1,000 2.150 2.250 2.350 2.450 2.600 -
DUCA Financial Services Annually At maturity no 500 1.500 1.900 2.000 2.350 2.600 2.600
Effort Trust Annually At maturity no 1,000 1.900 2.150 2.300 2.350 2.600 -
FirstOntario Credit Un. Annually At maturity no 500 1.500 1.750 2.000 2.300 2.600 -
Home Trust Company Annually At maturity no 1,000 1.950 2.100 2.250 2.400 2.600 -
Steinbach Credit Union Annually At maturity no 500 2.100 2.200 2.350 2.450 2.600 -
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 -
Sun Life - Trust Annually At maturity no 1,000 1.450 1.450 1.700 2.100 2.500 -
Sun Life - Trust Not compounded Annually no 1,000 1.450 1.450 1.700 2.100 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 -
B2B Bank Not compounded Annually no 1,000 1.500 1.950 2.150 2.250 2.460 -
Canadian Western Bank Annually At maturity no 500 1.500 1.800 2.200 2.250 2.450 -
Manulife Bank Annually At maturity no 2,500 1.460 1.650 1.900 2.200 2.450 -
Peace Hills Trust Annually At maturity no 1,000 1.450 1.900 2.050 2.250 2.450 -
Peace Hills Trust Not compounded Annually no 1,000 1.450 1.900 2.050 2.250 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 -
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 -
Comtech Credit Union Annually At maturity no 50,000 2.200 1.700 2.000 2.150 2.400 -
Comtech Credit Union Annually At maturity no 1,000 2.200 1.700 2.000 2.150 2.400 -
Comtech Credit Union Annually At maturity no 100,000 2.200 1.700 2.000 2.150 2.400 -
Comtech Credit Union Annually At maturity no 200,000 2.200 1.700 2.000 2.150 2.400 -
Libro Credit Union Not compounded Annually no 500 1.350 1.750 2.000 2.200 2.400 -
MCAN Mortgage Corp. Not compounded Annually no 100,000 2.100 2.250 2.200 2.200 2.400 -
MCAN Mortgage Corp. Annually At maturity no 100,000 2.100 2.250 2.200 2.200 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 -
First Calgary Financial Annually At maturity no 500 1.250 1.650 1.700 1.750 2.350 -
MCAN Mortgage Corp. Annually At maturity no 25,000 2.050 2.200 2.150 2.150 2.350 -
MCAN Mortgage Corp. Not compounded Annually no 25,000 2.050 2.200 2.150 2.150 2.350 -
Alterna Bank Annually At maturity no 500 1.400 2.100 1.850 1.900 2.300 -
Alterna Savings Annually At maturity no 500 1.400 2.100 1.850 1.900 2.300 -
Community Trust Annually At maturity no 1,000 1.450 1.650 1.900 2.200 2.300 -
MCAN Mortgage Corp. Annually At maturity no 5,000 2.000 2.150 2.100 2.100 2.300 -
MCAN Mortgage Corp. Not compounded Annually no 5,000 2.000 2.150 2.100 2.100 2.300 -
Meridian Credit Union Annually At maturity no 500 1.500 1.600 1.900 2.200 2.300 -
Peoples Trust Annually At maturity no 5,000 1.400 1.700 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 -
ATB Financial Annually At maturity no 500 1.630 1.800 1.750 2.000 2.200 -
Industrial Alliance Annually At maturity yes 200,000 1.150 1.400 1.500 1.800 2.200 -
Industrial Alliance Not compounded Annually yes 200,000 1.150 1.400 1.500 1.800 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 1.500 1.700 1.950 2.050 2.200 -
Empire Life Annually At maturity yes 100,000 1.250 1.450 1.650 1.950 2.150 2.150
Industrial Alliance Not compounded Annually yes 100,000 1.100 1.350 1.450 1.750 2.150 -
Industrial Alliance Annually At maturity yes 100,000 1.100 1.350 1.450 1.750 2.150 -
Canadian Western Trust Annually At maturity no 5,000 1.250 1.400 1.600 1.850 2.100 -
Industrial Alliance Not compounded Annually yes 25,000 1.050 1.300 1.400 1.700 2.100 -
Industrial Alliance Annually At maturity yes 25,000 1.050 1.300 1.400 1.700 2.100 -
PACE Savings & Credit Un Annually At maturity no 1,000 1.200 1.300 1.600 1.750 2.100 -
Equitable Life Annually At maturity yes 50,000 0.975 1.425 1.625 1.875 2.075 -
Manulife Investments Annually At maturity no 2,500 1.000 1.450 1.550 1.800 2.050 2.100
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 -
Empire Life Annually At maturity yes 50,000 1.125 1.325 1.525 1.825 2.025 2.025
Concentra Financial Annually At maturity no 1,000 1.250 1.450 1.700 1.900 2.000 -
Royal Bank of Canada Not compounded Annually no 500 1.250 1.550 1.750 1.600 2.000 -
Royal Bank of Canada Annually At maturity no 500 1.250 1.550 1.750 1.600 2.000 -
Servus Credit Union Annually At maturity no 500 1.250 1.350 1.400 1.600 2.000 -
Standard Life Annually At maturity yes 25,000 1.250 1.375 1.500 1.750 2.000 2.025
Standard Life Annually At maturity yes 250,000 1.250 1.375 1.500 1.750 2.000 2.025
Standard Life Annually At maturity yes 100,000 1.250 1.375 1.500 1.750 2.000 2.025
Standard Life Annually At maturity yes 50,000 1.250 1.375 1.500 1.750 2.000 2.025
Standard Life Annually At maturity yes 1,000 1.250 1.375 1.500 1.750 2.000 2.025
Standard Life Annually At maturity yes 500,000 1.250 1.375 1.500 1.750 2.000 2.025
Sun Life - Insurance Not compounded Annually yes 1,000 1.200 1.200 1.200 1.750 2.000 -
Sun Life - Insurance Annually At maturity yes 1,000 1.200 1.200 1.200 1.750 2.000 -
Sun Life - Trust Not compounded Annually yes 1,000 1.200 1.200 1.200 1.750 2.000 -
Sun Life - Trust Annually At maturity yes 1,000 1.200 1.200 1.200 1.750 2.000 -
TD Canada Trust Not compounded Annually no 500 1.300 1.350 1.400 1.600 2.000 -
TD Canada Trust Annually At maturity no 500 1.300 1.350 1.400 1.600 2.000 -
ATB Financial Semi-annually At maturity no 500 1.380 1.550 1.500 1.750 1.950 -
BMO Bank of Montreal Not compounded Annually 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 1.000 1.200 1.300 1.650 1.950 2.150
Desjardins Fin. Security Not compounded Annually yes 500 0.850 1.050 1.450 1.700 1.950 -
Desjardins Fin. Security Annually At maturity yes 500 0.850 1.050 1.450 1.700 1.950 -
Equitable Life Annually At maturity yes 500 0.850 1.300 1.500 1.750 1.950 -
Equitable Life Annually At maturity yes 25,000 0.850 1.300 1.500 1.750 1.950 -
Great-West Life Not compounded Annually no 50,000 1.000 1.200 1.300 1.650 1.950 2.150
Great-West Life Annually At maturity no 50,000 1.000 1.200 1.300 1.650 1.950 2.150
Great-West Life Not compounded Annually yes 50,000 1.000 1.200 1.300 1.650 1.950 2.150
Great-West Life Annually At maturity yes 50,000 1.000 1.200 1.300 1.650 1.950 2.150
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 1.150 1.250 1.550 1.950 -
Industrial Alliance Not compounded Annually yes 1,000 0.900 1.150 1.250 1.550 1.950 -
London Life Annually At maturity yes 50,000 1.000 1.200 1.300 1.650 1.950 -
Empire Life Annually At maturity yes 500 1.000 1.200 1.400 1.700 1.900 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 -
Canada Life Annually At maturity yes 25,000 0.875 1.075 1.175 1.525 1.825 2.025
Great-West Life Annually At maturity no 25,000 0.875 1.075 1.175 1.525 1.825 2.025
Great-West Life Not compounded Annually yes 25,000 0.875 1.075 1.175 1.525 1.825 2.025
Great-West Life Annually At maturity yes 25,000 0.875 1.075 1.175 1.525 1.825 2.025
Great-West Life Not compounded Annually no 25,000 0.875 1.075 1.175 1.525 1.825 2.025
Manulife Investments Annually At maturity yes 2,500 0.750 1.200 1.300 1.550 1.800 1.850
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 -
Royal Bank of Canada Semi-annually At maturity yes 500 1.000 1.300 1.500 1.350 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 Not compounded Annually yes 500 0.750 0.900 1.100 1.350 1.700 -
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 0.750 0.950 1.050 1.400 1.700 1.900
Great-West Life Annually At maturity no 500 0.750 0.950 1.050 1.400 1.700 1.900
Great-West Life Not compounded Annually yes 500 0.750 0.950 1.050 1.400 1.700 1.900
Great-West Life Annually At maturity yes 500 0.750 0.950 1.050 1.400 1.700 1.900
Great-West Life Not compounded Annually no 500 0.750 0.950 1.050 1.400 1.700 1.900
London Life Annually At maturity yes 1,000 0.750 0.950 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 0.500 0.700 0.800 1.150 1.450 1.650
Great-West Life Not compounded Monthly yes 50,000 0.500 0.700 0.800 1.150 1.450 1.650
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 yes 25,000 0.375 0.575 0.675 1.025 1.325 1.525
Great-West Life Not compounded Monthly no 25,000 0.375 0.575 0.675 1.025 1.325 1.525
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 no 500 0.250 0.450 0.550 0.900 1.200 1.400
Great-West Life Not compounded Monthly yes 500 0.250 0.450 0.550 0.900 1.200 1.400
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 July 24, 2014

This information is current as of the date and time posted and is subject to change without notice.

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