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 1.850 1.950 2.000 2.150 2.300 2.350
DUCA Financial Services Annually At maturity no 500 1.200 1.400 1.650 1.750 1.950 1.950
BMO Bank of Montreal Not compounded Annually no 1,000 0.850 1.050 1.150 1.250 1.500 1.500
BMO Bank of Montreal Annually At maturity no 1,000 0.850 1.050 1.150 1.250 1.500 1.500
Laurentian Bank Canada Annually Annually no 500 - 1.000 1.150 1.300 1.500 1.500
Laurentian Bank Canada Not compounded Annually no 500 - 1.000 1.150 1.300 1.500 1.500
Empire Life Annually At maturity yes 100,000 0.900 0.950 1.000 1.100 1.600 1.400
Manulife Investments Annually At maturity no 2,500 0.650 0.700 0.950 1.050 1.200 1.300
Empire Life Annually At maturity yes 50,000 0.775 0.825 0.875 0.975 1.475 1.275
Laurentian Bank Canada Not compounded Quarterly no 500 0.600 0.750 0.900 1.050 1.250 1.250
Laurentian Bank Canada Not compounded Semi-annually no 500 0.600 0.750 0.900 1.050 1.250 1.250
Empire Life Annually At maturity yes 500 0.650 0.700 0.750 0.850 1.350 1.150
Canada Life Annually At maturity yes 75,000 0.400 0.450 0.650 0.800 0.950 1.100
Great-West Life Not compounded Annually no 50,000 0.400 0.450 0.650 0.800 0.950 1.100
Great-West Life Annually At maturity no 50,000 0.400 0.450 0.650 0.800 0.950 1.100
Great-West Life Not compounded Annually yes 50,000 0.400 0.450 0.650 0.800 0.950 1.100
Great-West Life Annually At maturity yes 50,000 0.400 0.450 0.650 0.800 0.950 1.100
Manulife Investments Annually At maturity yes 2,500 0.400 0.450 0.700 0.800 0.950 1.050
Great-West Life Not compounded Monthly no 50,000 0.300 0.350 0.550 0.700 0.850 1.000
Great-West Life Not compounded Monthly yes 50,000 0.300 0.350 0.550 0.700 0.850 1.000
Laurentian Bank Canada Not compounded Monthly no 500 0.500 0.500 0.650 0.800 1.000 1.000
Canada Life Annually At maturity yes 25,000 0.275 0.325 0.525 0.675 0.825 0.975
Great-West Life Not compounded Annually no 25,000 0.275 0.325 0.525 0.675 0.825 0.975
Great-West Life Annually At maturity no 25,000 0.275 0.325 0.525 0.675 0.825 0.975
Great-West Life Not compounded Annually yes 25,000 0.275 0.325 0.525 0.675 0.825 0.975
Great-West Life Annually At maturity yes 25,000 0.275 0.325 0.525 0.675 0.825 0.975
Great-West Life Not compounded Monthly no 25,000 0.175 0.225 0.425 0.575 0.725 0.875
Great-West Life Not compounded Monthly yes 25,000 0.175 0.225 0.425 0.575 0.725 0.875
Canada Life Annually At maturity yes 1,000 0.150 0.200 0.400 0.550 0.700 0.850
Great-West Life Not compounded Annually no 500 0.150 0.200 0.400 0.550 0.700 0.850
Great-West Life Annually At maturity no 500 0.150 0.200 0.400 0.550 0.700 0.850
Great-West Life Not compounded Annually yes 500 0.150 0.200 0.400 0.550 0.700 0.850
Great-West Life Annually At maturity yes 500 0.150 0.200 0.400 0.550 0.700 0.850
Great-West Life Not compounded Monthly no 500 0.050 0.100 0.300 0.450 0.600 0.750
Great-West Life Not compounded Monthly yes 500 0.050 0.100 0.300 0.450 0.600 0.750
ATB Financial Semi-annually At maturity yes 500 0.100 0.100 0.100 0.100 0.100 -
ATB Financial Annually At maturity yes 500 0.350 0.350 0.350 0.350 0.350 -
ATB Financial Annually At maturity no 500 1.350 1.250 1.300 1.400 1.600 -
ATB Financial Semi-annually At maturity no 500 1.100 1.000 1.050 1.150 1.350 -
Achieva Financial Annually At maturity no 1,000 1.850 1.950 2.000 2.150 2.300 -
Alterna Bank Not compounded Annually yes 500 0.750 - - - - -
Alterna Bank Annually At maturity no 500 1.000 1.200 1.200 1.350 1.600 -
Alterna Savings Annually At maturity no 500 1.000 1.200 1.200 1.350 1.600 -
Alterna Savings Not compounded Annually yes 500 0.750 - - - - -
B2B Bank Annually At maturity no 1,000 1.300 1.650 1.760 1.810 1.910 -
BMO Bank of Montreal Annually At maturity yes 1,000 0.600 0.800 0.900 1.000 1.250 -
Bank of Nova Scotia Annually At maturity no 500 0.900 1.100 1.150 1.300 1.500 -
Bk Nova Scotia Mtg. Corp Annually At maturity no 500 0.900 1.100 1.150 1.300 1.500 -
CIBC Annually At maturity no 500 0.550 0.650 0.850 1.050 1.250 -
CIBC Annually At maturity yes 500 0.300 0.400 0.600 - - -
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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 July 28, 2016

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

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