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 1.500 1.900 2.000 2.350 2.600 2.600
Canada Life Annually At maturity yes 75,000 1.000 1.200 1.300 1.650 1.950 2.150
Empire Life Annually At maturity yes 100,000 1.250 1.450 1.650 1.850 2.150 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
Great-West Life Not compounded Annually no 50,000 1.000 1.200 1.300 1.650 1.950 2.150
Canada Life Annually At maturity yes 25,000 0.875 1.075 1.175 1.525 1.825 2.025
Empire Life Annually At maturity yes 50,000 1.125 1.325 1.525 1.725 2.025 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 no 2,500 1.000 1.450 1.600 1.850 1.950 2.000
Standard Life Annually At maturity yes 25,000 1.150 1.350 1.550 1.725 1.900 1.975
Standard Life Annually At maturity yes 250,000 1.150 1.350 1.550 1.725 1.900 1.975
Standard Life Annually At maturity yes 100,000 1.150 1.350 1.550 1.725 1.900 1.975
Standard Life Annually At maturity yes 50,000 1.150 1.350 1.550 1.725 1.900 1.975
Standard Life Annually At maturity yes 1,000 1.150 1.350 1.550 1.725 1.900 1.975
Standard Life Annually At maturity yes 500,000 1.150 1.350 1.550 1.725 1.900 1.975
BMO Bank of Montreal Not compounded Monthly 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 1,000 0.750 0.950 1.050 1.400 1.700 1.900
Empire Life Annually At maturity yes 500 1.000 1.200 1.400 1.600 1.900 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
Manulife Investments Annually At maturity yes 2,500 0.750 1.200 1.350 1.600 1.700 1.750
Great-West Life Not compounded Monthly yes 50,000 0.500 0.700 0.800 1.150 1.450 1.650
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 no 25,000 0.375 0.575 0.675 1.025 1.325 1.525
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 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
MAXA Financial Not compounded Annually yes 500 2.150 2.250 2.400 2.550 2.700 0.000
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 -
ATB Financial Annually At maturity no 500 1.630 1.800 1.750 2.000 2.200 -
Achieva Financial Annually At maturity no 1,000 2.150 2.250 2.350 2.450 2.600 -
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 - - - - -
Alterna Savings Not compounded Annually yes 500 1.100 - - - - -
Alterna Savings Annually At maturity no 500 1.500 1.600 2.500 1.900 2.300 -
B2B Bank Not compounded Monthly no 1,000 1.550 1.970 2.150 2.350 2.510 -
BMO Bank of Montreal Not compounded Monthly yes 500 0.750 0.900 1.100 1.350 1.700 -
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 -
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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 September 30, 2014

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

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