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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 | |||||
| Oaken Financial | Annually | At maturity | no | 1,000 | 2.500 | 2.700 | 2.800 | 2.900 | 3.000 | - |
|---|---|---|---|---|---|---|---|---|---|---|
| Home Bank - Agent | Annually | At maturity | no | 1,000 | 1.800 | 2.200 | 2.300 | 2.350 | 2.750 | - |
| Motive Financial | Annually | At maturity | no | 500 | 1.710 | 2.200 | 2.350 | 2.410 | 2.710 | - |
| Home Trust Company-Agent | Annually | At maturity | no | 1,000 | 1.750 | 2.150 | 2.250 | 2.300 | 2.700 | - |
| AcceleRate Financial | Annually | At maturity | no | 500 | 1.900 | 2.200 | 2.250 | 2.500 | 2.550 | 2.600 |
| Achieva Financial | Annually | At maturity | no | 1,000 | 1.900 | 2.100 | 2.250 | 2.400 | 2.550 | - |
| Effort Trust | Annually | At maturity | no | 1,000 | 2.200 | 2.400 | 2.450 | 2.500 | 2.550 | - |
| MAXA Financial | Not compounded | Annually | no | 500 | 1.900 | 2.100 | 2.250 | 2.400 | 2.550 | - |
| Outlook Financial | Annually | At maturity | yes | 1,000 | 1.900 | 2.100 | 2.250 | 2.400 | 2.550 | - |
| Outlook Financial | Not compounded | Annually | yes | 1,000 | 1.900 | 2.100 | 2.250 | 2.400 | 2.550 | - |
| Canadian Western Bank | Annually | At maturity | no | 500 | 1.510 | 2.000 | 2.150 | 2.210 | 2.510 | - |
| FirstOntario Credit Un. | Annually | At maturity | no | 500 | 2.000 | 2.100 | 2.200 | 2.350 | 2.500 | - |
| Peoples Trust | Annually | At maturity | no | 1,000 | 1.950 | 2.050 | 2.250 | 2.350 | 2.500 | - |
| B2B Bank | Annually | At maturity | no | 1,000 | 1.460 | 1.950 | 2.100 | 2.160 | 2.460 | - |
| Canadian Western Trust | Annually | At maturity | no | 5,000 | 1.450 | 1.850 | 2.050 | 2.160 | 2.450 | - |
| Entegra Credit Union | Not compounded | Annually | no | 1,000 | 1.800 | 2.000 | 2.150 | 2.300 | 2.450 | - |
| Entegra Credit Union | Annually | At maturity | no | 1,000 | 1.800 | 2.000 | 2.150 | 2.300 | 2.450 | - |
| Steinbach Credit Union | Annually | At maturity | no | 500 | 1.800 | 2.000 | 2.150 | 2.300 | 2.450 | - |
| Community Trust | Annually | At maturity | no | 50,000 | 2.200 | 2.300 | 2.350 | 2.350 | 2.400 | - |
| Hubert Financial | Annually | At maturity | no | 1,000 | - | 2.000 | 2.050 | 2.150 | 2.400 | - |
| Outlook Financial | Not compounded | Monthly | yes | 1,000 | 1.750 | 1.950 | 2.100 | 2.250 | 2.400 | - |
| Community Trust | Annually | At maturity | no | 1,000 | 2.100 | 2.200 | 2.250 | 2.250 | 2.300 | - |
| Empire Life | Annually | At maturity | yes | 100,000 | 1.150 | 1.500 | 1.600 | 1.800 | 2.300 | 1.850 |
| Resurrection Credit Un. | Annually | At maturity | no | 1,000 | 1.700 | 1.850 | 1.950 | 2.200 | 2.300 | - |
| VersaBank (Pac&WestBank) | Annually | At maturity | no | 1,000 | 1.500 | 1.950 | 2.100 | 2.160 | 2.260 | - |
| Comtech Credit Union | Annually | At maturity | no | 200,000 | 1.750 | 1.650 | 1.750 | 2.150 | 2.250 | - |
| Comtech Credit Union | Annually | At maturity | no | 100,000 | 1.750 | 1.650 | 1.750 | 2.150 | 2.250 | - |
| Comtech Credit Union | Annually | At maturity | no | 50,000 | 1.750 | 1.650 | 1.750 | 2.150 | 2.250 | - |
| Comtech Credit Union | Annually | At maturity | no | 1,000 | 1.750 | 1.650 | 1.750 | 2.150 | 2.250 | - |
| MCAN Mortgage Corp. | Annually | At maturity | no | 25,000 | 1.450 | 1.850 | 2.150 | 2.200 | 2.250 | - |
| MCAN Mortgage Corp. | Not compounded | Annually | no | 100,000 | 1.450 | 1.850 | 2.150 | 2.200 | 2.250 | - |
| MCAN Mortgage Corp. | Not compounded | Annually | no | 25,000 | 1.450 | 1.850 | 2.150 | 2.200 | 2.250 | - |
| MCAN Mortgage Corp. | Annually | At maturity | no | 100,000 | 1.450 | 1.850 | 2.150 | 2.200 | 2.250 | - |
| Manulife Bank | Annually | At maturity | no | 2,500 | 1.350 | 1.600 | 1.800 | 2.000 | 2.250 | - |
| Parama Credit Union | Annually | At maturity | no | 1,000 | 2.400 | 1.850 | 2.000 | 2.100 | 2.250 | - |
| President's Choice Fin'l | Not compounded | Annually | no | 100 | 1.500 | 1.300 | 1.750 | 1.500 | 2.250 | - |
| President's Choice Fin'l | Annually | At maturity | no | 100 | 1.500 | 1.300 | 1.750 | 1.500 | 2.250 | - |
| Kindred Credit Union | Annually | At maturity | no | 250,000 | 1.350 | 1.750 | 2.050 | 2.150 | 2.200 | - |
| Sun Life - Trust | Not compounded | Annually | no | 1,000 | 1.350 | 1.450 | 1.550 | 1.900 | 2.200 | - |
| Sun Life - Trust | Annually | At maturity | no | 1,000 | 1.350 | 1.450 | 1.550 | 1.900 | 2.200 | - |
| Your Neighbourhood C.U. | Annually | At maturity | no | 100,000 | 1.600 | 1.750 | 1.950 | 2.100 | 2.200 | - |
| Your Neighbourhood C.U. | Not compounded | Annually | no | 100,000 | 1.600 | 1.750 | 1.950 | 2.100 | 2.200 | - |
| Empire Life | Annually | At maturity | yes | 50,000 | 1.025 | 1.375 | 1.475 | 1.675 | 2.175 | 1.725 |
| Equitable Life | Annually | At maturity | yes | 500 | 1.000 | 1.650 | 1.800 | 1.800 | 2.150 | - |
| Equitable Life | Annually | At maturity | yes | 25,000 | 1.000 | 1.650 | 1.800 | 1.800 | 2.150 | - |
| Equitable Life | Annually | At maturity | yes | 50,000 | 1.000 | 1.650 | 1.800 | 1.800 | 2.150 | - |
| Kindred Credit Union | Annually | At maturity | no | 100,000 | 1.300 | 1.700 | 2.000 | 2.100 | 2.150 | - |
| MCAN Mortgage Corp. | Not compounded | Annually | no | 5,000 | 1.350 | 1.750 | 2.050 | 2.100 | 2.150 | - |
| MCAN Mortgage Corp. | Annually | At maturity | no | 5,000 | 1.350 | 1.750 | 2.050 | 2.100 | 2.150 | - |
| Your Neighbourhood C.U. | Not compounded | Annually | no | 20,000 | 1.550 | 1.700 | 1.900 | 2.050 | 2.150 | - |
| Your Neighbourhood C.U. | Annually | At maturity | no | 20,000 | 1.550 | 1.700 | 1.900 | 2.050 | 2.150 | - |
| First Calgary Financial | Annually | At maturity | no | 500 | 1.000 | 1.600 | 1.750 | 1.850 | 2.100 | - |
| Your Neighbourhood C.U. | Not compounded | Annually | no | 1,000 | 1.500 | 1.650 | 1.850 | 2.000 | 2.100 | - |
| Your Neighbourhood C.U. | Annually | At maturity | no | 1,000 | 1.500 | 1.650 | 1.850 | 2.000 | 2.100 | - |
| Empire Life | Annually | At maturity | yes | 500 | 0.900 | 1.250 | 1.350 | 1.550 | 2.050 | 1.600 |
| ICICI Bank Canada | Annually | At maturity | yes | 1,000 | 1.350 | 1.550 | 1.650 | 1.850 | 2.050 | - |
| Kindred Credit Union | Annually | At maturity | no | 50,000 | 1.300 | 1.600 | 1.900 | 2.000 | 2.050 | - |
| ATB Financial | Annually | At maturity | no | 500 | 1.350 | 1.500 | 1.600 | 1.800 | 2.000 | - |
| Coast Capital Savings | Annually | At maturity | no | 1,000 | 1.200 | 1.300 | 1.750 | 1.600 | 2.000 | - |
| Kindred Credit Union | Annually | At maturity | no | 500 | 1.300 | 1.500 | 1.700 | 1.850 | 2.000 | - |
| Kindred Credit Union | Annually | At maturity | no | 25,000 | 1.300 | 1.500 | 1.800 | 1.950 | 2.000 | - |
| Meridian Credit Union | Annually | At maturity | no | 500 | 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 | 1.600 | 2.000 | - |
| Rapport Credit Union | Annually | At maturity | no | 60,000 | 1.400 | 1.500 | 1.550 | 1.600 | 2.000 | - |
| State Bank of India (C) | Annually | Annually | no | 1,000 | 1.300 | 1.400 | 1.600 | 1.800 | 2.000 | - |
| Sun Life - Insurance | Not compounded | Annually | yes | 1,000 | 1.100 | 1.150 | 1.200 | 1.700 | 2.000 | - |
| Sun Life - Insurance | Annually | At maturity | yes | 1,000 | 1.100 | 1.150 | 1.200 | 1.700 | 2.000 | - |
| Sun Life - Trust | Not compounded | Annually | yes | 1,000 | 1.100 | 1.150 | 1.200 | 1.700 | 2.000 | - |
| Sun Life - Trust | Annually | At maturity | yes | 1,000 | 1.100 | 1.150 | 1.200 | 1.700 | 2.000 | - |
| Tangerine | Annually | At maturity | no | 1 | 1.300 | 1.300 | 1.800 | 1.500 | 2.000 | - |
| Zag Bank | Not compounded | Annually | no | 250 | 1.200 | 1.300 | 1.500 | 1.600 | 2.000 | - |
| Libro Credit Union | Not compounded | Annually | no | 500 | 1.200 | 1.550 | 1.700 | 1.850 | 1.950 | - |
| Alterna Bank | Annually | Annually | no | 500 | 1.500 | 1.600 | 1.700 | 1.800 | 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 | - |
| Peace Hills Trust | Annually | At maturity | no | 1,000 | 1.000 | 1.400 | 1.600 | 1.700 | 1.850 | - |
| Peace Hills Trust | Not compounded | Annually | no | 1,000 | 1.000 | 1.400 | 1.600 | 1.700 | 1.850 | - |
| ATB Financial | Semi-annually | At maturity | no | 500 | 1.100 | 1.250 | 1.350 | 1.550 | 1.750 | - |
| Industrial Alliance | Annually | At maturity | yes | 200,000 | 1.450 | 1.900 | 2.050 | 2.250 | 1.750 | - |
| Industrial Alliance | Not compounded | Annually | yes | 200,000 | 1.450 | 1.900 | 2.050 | 2.250 | 1.750 | - |
| Industrial Alliance | Not compounded | Annually | yes | 100,000 | 1.400 | 1.850 | 2.000 | 2.200 | 1.700 | - |
| Industrial Alliance | Annually | At maturity | yes | 100,000 | 1.400 | 1.850 | 2.000 | 2.200 | 1.700 | - |
| 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 | - |
| Industrial Alliance | Not compounded | Annually | yes | 25,000 | 1.350 | 1.800 | 1.950 | 2.150 | 1.650 | - |
| Industrial Alliance | Annually | At maturity | yes | 25,000 | 1.350 | 1.800 | 1.950 | 2.150 | 1.650 | - |
| Alterna Savings | Annually | Annually | no | 500 | 1.150 | 1.200 | 1.200 | 1.350 | 1.600 | - |
| Canada Life | Annually | At maturity | yes | 75,000 | 0.950 | 1.000 | 1.250 | 1.450 | 1.600 | 1.750 |
| Canada Life | Annually | At maturity | yes | 25,000 | 0.950 | 1.000 | 1.250 | 1.450 | 1.600 | 1.750 |
| Canada Life | Annually | At maturity | yes | 1,000 | 0.950 | 1.000 | 1.250 | 1.450 | 1.600 | 1.750 |
| Great-West Life | Not compounded | Annually | no | 25,000 | 0.950 | 1.000 | 1.250 | 1.450 | 1.600 | 1.750 |
| Great-West Life | Not compounded | Annually | no | 50,000 | 0.950 | 1.000 | 1.250 | 1.450 | 1.600 | 1.750 |
| Great-West Life | Annually | At maturity | no | 500 | 0.950 | 1.000 | 1.250 | 1.450 | 1.600 | 1.750 |
| Great-West Life | Annually | At maturity | no | 25,000 | 0.950 | 1.000 | 1.250 | 1.450 | 1.600 | 1.750 |
| Great-West Life | Annually | At maturity | no | 50,000 | 0.950 | 1.000 | 1.250 | 1.450 | 1.600 | 1.750 |
| Great-West Life | Not compounded | Annually | yes | 500 | 0.950 | 1.000 | 1.250 | 1.450 | 1.600 | 1.750 |
| Great-West Life | Not compounded | Annually | yes | 25,000 | 0.950 | 1.000 | 1.250 | 1.450 | 1.600 | 1.750 |
| Great-West Life | Not compounded | Annually | yes | 50,000 | 0.950 | 1.000 | 1.250 | 1.450 | 1.600 | 1.750 |
| Great-West Life | Annually | At maturity | yes | 500 | 0.950 | 1.000 | 1.250 | 1.450 | 1.600 | 1.750 |
| Great-West Life | Annually | At maturity | yes | 25,000 | 0.950 | 1.000 | 1.250 | 1.450 | 1.600 | 1.750 |
| Great-West Life | Annually | At maturity | yes | 50,000 | 0.950 | 1.000 | 1.250 | 1.450 | 1.600 | 1.750 |
| Great-West Life | Not compounded | Annually | no | 500 | 0.950 | 1.000 | 1.250 | 1.450 | 1.600 | 1.750 |
| HSBC Bank Canada | Annually | At maturity | no | 500 | 1.000 | 1.250 | 1.350 | 1.500 | 1.600 | - |
| HSBC Bank Canada | Annually | At maturity | no | 50,000 | 1.000 | 1.250 | 1.350 | 1.500 | 1.600 | - |
| Laurentian Bank Canada | Not compounded | Annually | no | 500 | - | 1.100 | 1.150 | 1.300 | 1.600 | 1.600 |
| Laurentian Bank Canada | Annually | Annually | no | 500 | - | 1.100 | 1.150 | 1.300 | 1.600 | 1.600 |
| London Life | Annually | At maturity | yes | 50,000 | 0.950 | 1.000 | 1.250 | 1.450 | 1.600 | - |
| London Life | Annually | At maturity | yes | 1,000 | 0.950 | 1.000 | 1.250 | 1.450 | 1.600 | - |
| National Bank | Annually | At maturity | no | 500 | 0.900 | 1.100 | 1.150 | 1.300 | 1.600 | - |
| PACE Savings & Credit Un | Annually | At maturity | no | 1,000 | 1.000 | 1.200 | 1.400 | 1.500 | 1.600 | - |
| Royal Bank of Canada | Annually | At maturity | no | 500 | 0.900 | 1.250 | 1.350 | 1.500 | 1.600 | - |
| Royal Bank of Canada | Not compounded | Annually | no | 500 | 0.900 | 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 | 1.100 | 1.150 | 1.300 | 1.550 | - |
| Desjardins - Fiducie | Annually | At maturity | no | 500 | 0.900 | 1.100 | 1.150 | 1.300 | 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 | Annually | At maturity | no | 100,000 | 0.850 | 1.050 | 1.150 | 1.250 | 1.500 | 1.500 |
| Great-West Life | Not compounded | Monthly | no | 500 | 0.850 | 0.900 | 1.150 | 1.350 | 1.500 | 1.650 |
| Great-West Life | Not compounded | Monthly | no | 25,000 | 0.850 | 0.900 | 1.150 | 1.350 | 1.500 | 1.650 |
| Great-West Life | Not compounded | Monthly | no | 50,000 | 0.850 | 0.900 | 1.150 | 1.350 | 1.500 | 1.650 |
| Great-West Life | Not compounded | Monthly | yes | 500 | 0.850 | 0.900 | 1.150 | 1.350 | 1.500 | 1.650 |
| Great-West Life | Not compounded | Monthly | yes | 25,000 | 0.850 | 0.900 | 1.150 | 1.350 | 1.500 | 1.650 |
| Great-West Life | Not compounded | Monthly | yes | 50,000 | 0.850 | 0.900 | 1.150 | 1.350 | 1.500 | 1.650 |
| Industrial Alliance | Annually | At maturity | yes | 1,000 | 1.200 | 1.650 | 1.800 | 2.000 | 1.500 | - |
| Industrial Alliance | Not compounded | Annually | yes | 1,000 | 1.200 | 1.650 | 1.800 | 2.000 | 1.500 | - |
| Manulife Investments | Annually | At maturity | no | 2,500 | 0.650 | 0.850 | 1.150 | 1.300 | 1.500 | 1.600 |
| WFCU Credit Union | Annually | At maturity | no | 500 | 0.850 | 0.950 | 1.050 | 1.150 | 1.400 | - |
| Laurentian Bank Canada | Not compounded | Quarterly | no | 500 | 0.650 | 0.850 | 0.900 | 1.050 | 1.350 | 1.350 |
| Laurentian Bank Canada | Not compounded | Semi-annually | no | 500 | 0.650 | 0.850 | 0.900 | 1.050 | 1.350 | 1.350 |
| Royal Bank of Canada | Semi-annually | At maturity | yes | 500 | 0.650 | 1.000 | 1.100 | 1.250 | 1.350 | - |
| BMO Bank of Montreal | Not compounded | Annually | 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 | - |
| Laurentian Bank Canada | Annually | Annually | yes | 500 | - | 0.800 | 0.900 | 1.050 | 1.250 | - |
| Laurentian Bank Canada | Not compounded | Annually | yes | 500 | - | 0.800 | 0.900 | 1.050 | 1.250 | - |
| Manulife Investments | Annually | At maturity | yes | 2,500 | 0.400 | 0.600 | 0.900 | 1.050 | 1.250 | 1.350 |
| National Bank | Annually | At maturity | yes | 500 | 0.650 | 0.800 | 0.850 | 0.900 | 1.150 | - |
| Laurentian Bank Canada | Not compounded | Monthly | no | 500 | 0.550 | 0.600 | 0.650 | 0.800 | 1.100 | 1.100 |
| Laurentian Bank Canada | Not compounded | Semi-annually | yes | 500 | 0.300 | 0.500 | 0.650 | 0.800 | 1.000 | - |
| Laurentian Bank Canada | Not compounded | Monthly | yes | 500 | 0.300 | 0.250 | 0.400 | 0.550 | 0.750 | - |
| 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 | 0.750 | - | - | - | - | - |
| CIBC | Not compounded | Annually | cashable | 500 | 0.450 | - | - | - | - | - |
| CIBC | Annually | At maturity | yes | 500 | 0.300 | 0.400 | 0.600 | - | - | - |
| Hubert Financial | Annually | At maturity | yes | 1,000 | 1.950 | - | - | - | - | - |
| Laurentian Bank Canada | Not compounded | At maturity | no | 500 | 0.900 | 0.900 | - | - | - | - |
| Laurentian Bank Canada | Not compounded | At maturity | yes | 500 | 0.650 | 0.650 | - | - | - | - |
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 August 19, 2017
This information is current as of the date and time posted and is subject to change without notice.
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