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Savings Rates | GIC/GIA: 1 to 6 years (Non-Registered)
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| Financial Institution | Compound Frequency | Payment Frequency | Redeemable | Minimum Deposit | Term in Years | |||||
| 1 | 2 | 3 | 4 | 5 | 6 | |||||
| AcceleRate Financial | Annually | Annually | no | 100,000 | 1.950 | 2.150 | 2.300 | 2.450 | 2.700 | 2.750 |
|---|---|---|---|---|---|---|---|---|---|---|
| AcceleRate Financial | Annually | At maturity | no | 100,000 | 1.950 | 2.150 | 2.300 | 2.450 | 2.700 | 2.750 |
| DUCA Financial Services | Not compounded | Annually | no | 500 | 1.300 | 1.600 | 1.800 | 1.800 | 2.200 | 2.200 |
| DUCA Financial Services | Annually | At maturity | no | 500 | 1.300 | 1.600 | 1.800 | 1.800 | 2.200 | 2.200 |
| Empire Life | Annually | At maturity | yes | 100,000 | 1.350 | 1.600 | 1.725 | 1.850 | 2.100 | 2.100 |
| Empire Life | Not compounded | Annually | yes | 100,000 | 1.350 | 1.600 | 1.725 | 1.850 | 2.100 | 2.100 |
| Equitable Life | Not compounded | Annually | yes | 50,000 | 1.025 | 1.575 | 1.700 | 1.850 | 2.100 | 2.050 |
| Equitable Life | Annually | At maturity | yes | 50,000 | 1.025 | 1.575 | 1.700 | 1.850 | 2.100 | 2.050 |
| Empire Life | Annually | At maturity | yes | 50,000 | 1.225 | 1.475 | 1.600 | 1.725 | 1.975 | 1.975 |
| Empire Life | Not compounded | Annually | yes | 50,000 | 1.225 | 1.475 | 1.600 | 1.725 | 1.975 | 1.975 |
| Bank of Montreal | Annually | At maturity | no | 100,000 | 1.000 | 1.150 | 1.350 | 1.600 | 1.950 | 1.950 |
| Bank of Montreal | Annually | At maturity | no | 250,000 | 1.000 | 1.150 | 1.350 | 1.600 | 1.950 | 1.950 |
| Bank of Montreal | Annually | At maturity | no | 1,000 | 1.000 | 1.150 | 1.350 | 1.600 | 1.950 | 1.950 |
| Bank of Montreal | Not compounded | Annually | no | 250,000 | 1.000 | 1.150 | 1.350 | 1.600 | 1.950 | 1.950 |
| Bank of Montreal | Not compounded | Annually | no | 100,000 | 1.000 | 1.150 | 1.350 | 1.600 | 1.950 | 1.950 |
| Bank of Montreal | Not compounded | Annually | no | 1,000 | 1.000 | 1.150 | 1.350 | 1.600 | 1.950 | 1.950 |
| Canada Life | Annually | At maturity | yes | 75,000 | 1.150 | 1.250 | 1.400 | 1.450 | 1.550 | 1.950 |
| Great-West Life | Not compounded | Annually | no | 50,000 | 1.150 | 1.250 | 1.400 | 1.450 | 1.550 | 1.950 |
| Great-West Life | Annually | At maturity | no | 50,000 | 1.150 | 1.250 | 1.400 | 1.450 | 1.550 | 1.950 |
| Great-West Life | Not compounded | Annually | yes | 50,000 | 1.150 | 1.250 | 1.400 | 1.450 | 1.550 | 1.950 |
| Great-West Life | Annually | At maturity | yes | 50,000 | 1.150 | 1.250 | 1.400 | 1.450 | 1.550 | 1.950 |
| Equitable Life | Annually | At maturity | yes | 25,000 | 0.900 | 1.450 | 1.575 | 1.725 | 1.975 | 1.925 |
| Equitable Life | Not compounded | Annually | yes | 500 | 0.900 | 1.450 | 1.575 | 1.725 | 1.975 | 1.925 |
| Equitable Life | Not compounded | Annually | yes | 25,000 | 0.900 | 1.450 | 1.575 | 1.725 | 1.975 | 1.925 |
| Equitable Life | Annually | At maturity | yes | 500 | 0.900 | 1.450 | 1.575 | 1.725 | 1.975 | 1.925 |
| Standard Life | Not compounded | Annually | yes | 250,000 | 1.300 | 1.425 | 1.550 | 1.700 | 1.850 | 1.900 |
| Standard Life | Not compounded | Annually | yes | 100,000 | 1.300 | 1.425 | 1.550 | 1.700 | 1.850 | 1.900 |
| Standard Life | Not compounded | Annually | yes | 50,000 | 1.300 | 1.425 | 1.550 | 1.700 | 1.850 | 1.900 |
| Standard Life | Not compounded | Annually | yes | 25,000 | 1.300 | 1.425 | 1.550 | 1.700 | 1.850 | 1.900 |
| Standard Life | Not compounded | Annually | yes | 1,000 | 1.300 | 1.425 | 1.550 | 1.700 | 1.850 | 1.900 |
| Standard Life | Annually | At maturity | yes | 500,000 | 1.300 | 1.425 | 1.550 | 1.700 | 1.850 | 1.900 |
| Standard Life | Annually | At maturity | yes | 250,000 | 1.300 | 1.425 | 1.550 | 1.700 | 1.850 | 1.900 |
| Standard Life | Annually | At maturity | yes | 100,000 | 1.300 | 1.425 | 1.550 | 1.700 | 1.850 | 1.900 |
| Standard Life | Annually | At maturity | yes | 50,000 | 1.300 | 1.425 | 1.550 | 1.700 | 1.850 | 1.900 |
| Standard Life | Not compounded | Annually | yes | 500,000 | 1.300 | 1.425 | 1.550 | 1.700 | 1.850 | 1.900 |
| Standard Life | Annually | At maturity | yes | 1,000 | 1.300 | 1.425 | 1.550 | 1.700 | 1.850 | 1.900 |
| Standard Life | Annually | At maturity | yes | 25,000 | 1.300 | 1.425 | 1.550 | 1.700 | 1.850 | 1.900 |
| Empire Life | Annually | At maturity | yes | 500 | 1.100 | 1.350 | 1.475 | 1.600 | 1.850 | 1.850 |
| Empire Life | Not compounded | Monthly | yes | 100,000 | 1.100 | 1.350 | 1.475 | 1.600 | 1.850 | 1.850 |
| Empire Life | Not compounded | Annually | yes | 500 | 1.100 | 1.350 | 1.475 | 1.600 | 1.850 | 1.850 |
| Bank of Montreal | Not compounded | Monthly | no | 250,000 | 0.875 | 1.025 | 1.225 | 1.475 | 1.825 | 1.825 |
| Bank of Montreal | Not compounded | Monthly | no | 100,000 | 0.875 | 1.025 | 1.225 | 1.475 | 1.825 | 1.825 |
| Bank of Montreal | Not compounded | Monthly | no | 5,000 | 0.875 | 1.025 | 1.225 | 1.475 | 1.825 | 1.825 |
| Bank of Montreal | Not compounded | Semi-annually | no | 250,000 | 0.875 | 1.025 | 1.225 | 1.475 | 1.825 | 1.825 |
| Bank of Montreal | Not compounded | Semi-annually | no | 100,000 | 0.875 | 1.025 | 1.225 | 1.475 | 1.825 | 1.825 |
| Bank of Montreal | Not compounded | Semi-annually | no | 1,000 | 0.875 | 1.025 | 1.225 | 1.475 | 1.825 | 1.825 |
| Canada Life | Annually | At maturity | yes | 25,000 | 1.025 | 1.125 | 1.275 | 1.325 | 1.425 | 1.825 |
| Great-West Life | Not compounded | Annually | no | 25,000 | 1.025 | 1.125 | 1.275 | 1.325 | 1.425 | 1.825 |
| Great-West Life | Annually | At maturity | no | 25,000 | 1.025 | 1.125 | 1.275 | 1.325 | 1.425 | 1.825 |
| Great-West Life | Not compounded | Annually | yes | 25,000 | 1.025 | 1.125 | 1.275 | 1.325 | 1.425 | 1.825 |
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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 May 25, 2013
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.