Savings Rates | GIC/GIA: 1 to 6 years (Registered)

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Sorted by: 6 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
AcceleRate Financial Annually At maturity no 500 2.250 2.400 2.500 2.750 2.750 2.800
DUCA Financial Services Annually At maturity no 500 1.600 1.950 2.000 2.350 2.600 2.600
Empire Life Annually At maturity yes 100,000 1.250 1.350 1.500 1.750 2.000 2.000
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 1.000 1.100 1.200 1.500 1.700 1.900
Desjardins Fin. Security Annually At maturity yes 500 0.850 0.950 1.400 1.650 1.900 1.900
Desjardins Fin. Security Not compounded Annually yes 500 0.850 0.950 1.400 1.650 1.900 1.900
Desjardins Fin. Security Annually At maturity no 10,000 0.850 0.950 1.400 1.650 1.900 1.900
Great-West Life Annually At maturity yes 50,000 1.000 1.100 1.200 1.500 1.700 1.900
Great-West Life Not compounded Annually no 50,000 1.000 1.100 1.200 1.500 1.700 1.900
Great-West Life Annually At maturity no 50,000 1.000 1.100 1.200 1.500 1.700 1.900
Great-West Life Not compounded Annually yes 50,000 1.000 1.100 1.200 1.500 1.700 1.900
Empire Life Annually At maturity yes 50,000 1.125 1.225 1.375 1.625 1.875 1.875
Canada Life Annually At maturity yes 25,000 0.875 0.975 1.075 1.375 1.575 1.775
Great-West Life Not compounded Annually no 25,000 0.875 0.975 1.075 1.375 1.575 1.775
Great-West Life Annually At maturity no 25,000 0.875 0.975 1.075 1.375 1.575 1.775
Great-West Life Not compounded Annually yes 25,000 0.875 0.975 1.075 1.375 1.575 1.775
Great-West Life Annually At maturity yes 25,000 0.875 0.975 1.075 1.375 1.575 1.775
Desjardins Fin. Security Not compounded Monthly yes 10,000 0.700 0.800 1.250 1.500 1.750 1.750
Desjardins Fin. Security Not compounded Quarterly yes 10,000 0.700 0.800 1.250 1.500 1.750 1.750
Desjardins Fin. Security Not compounded Semi-annually yes 10,000 0.700 0.800 1.250 1.500 1.750 1.750
Empire Life Annually At maturity yes 500 1.000 1.100 1.250 1.500 1.750 1.750
Manulife Investments Annually At maturity no 2,500 0.950 1.350 1.400 1.550 1.650 1.700
Canada Life Annually At maturity yes 1,000 0.750 0.850 0.950 1.250 1.450 1.650
Great-West Life Annually At maturity yes 500 0.750 0.850 0.950 1.250 1.450 1.650
Great-West Life Not compounded Annually no 500 0.750 0.850 0.950 1.250 1.450 1.650
Great-West Life Annually At maturity no 500 0.750 0.850 0.950 1.250 1.450 1.650
Great-West Life Not compounded Annually yes 500 0.750 0.850 0.950 1.250 1.450 1.650
Standard Life Annually At maturity yes 1,000 1.125 1.275 1.400 1.475 1.550 1.625
Standard Life Annually At maturity yes 500,000 1.125 1.275 1.400 1.475 1.550 1.625
Standard Life Annually At maturity yes 250,000 1.125 1.275 1.400 1.475 1.550 1.625
Standard Life Annually At maturity yes 100,000 1.125 1.275 1.400 1.475 1.550 1.625
Standard Life Annually At maturity yes 50,000 1.125 1.275 1.400 1.475 1.550 1.625
Standard Life Annually At maturity yes 25,000 1.125 1.275 1.400 1.475 1.550 1.625
Manulife Investments Annually At maturity yes 2,500 0.700 1.100 1.150 1.300 1.400 1.450
Great-West Life Not compounded Monthly yes 50,000 0.500 0.600 0.700 1.000 1.200 1.400
Great-West Life Not compounded Monthly no 50,000 0.500 0.600 0.700 1.000 1.200 1.400
Great-West Life Not compounded Monthly no 25,000 0.375 0.475 0.575 0.875 1.075 1.275
Great-West Life Not compounded Monthly yes 25,000 0.375 0.475 0.575 0.875 1.075 1.275
Great-West Life Not compounded Monthly no 500 0.250 0.350 0.450 0.750 0.950 1.150
Great-West Life Not compounded Monthly yes 500 0.250 0.350 0.450 0.750 0.950 1.150
MAXA Financial Not compounded Annually yes 500 2.150 2.250 2.400 2.550 2.700 0.000
ATB Financial Annually At maturity no 500 1.630 1.800 1.750 2.000 2.200 -
ATB Financial Semi-annually At maturity yes 500 0.600 0.600 0.750 0.900 1.250 -
ATB Financial Annually At maturity yes 500 0.850 0.850 1.000 1.150 1.500 -
ATB Financial Semi-annually At maturity no 500 1.380 1.550 1.500 1.750 1.950 -
Achieva Financial Annually At maturity no 1,000 2.250 2.400 2.500 2.650 2.800 -
Alterna Bank Annually At maturity no 500 1.500 1.600 2.500 1.900 2.300 -
Alterna Bank Not compounded Annually yes 500 1.100 - - - - -
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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 October 25, 2014

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

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