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 2.100 2.250 2.450 2.500 2.600 2.650
DUCA Financial Services Annually At maturity no 500 1.500 1.750 2.000 2.150 2.350 2.350
BMO Bank of Montreal Not compounded Annually no 1,000 1.000 1.050 1.150 1.250 1.500 1.500
BMO Bank of Montreal Annually At maturity no 1,000 1.000 1.050 1.150 1.250 1.500 1.500
Empire Life Annually At maturity yes 100,000 0.875 0.875 1.000 1.125 1.375 1.500
Empire Life Annually At maturity yes 50,000 0.750 0.750 0.875 1.000 1.250 1.375
Canada Life Annually At maturity yes 75,000 0.800 0.800 0.800 0.850 0.900 1.250
Empire Life Annually At maturity yes 500 0.625 0.625 0.750 0.875 1.125 1.250
Great-West Life Annually At maturity yes 50,000 0.800 0.800 0.800 0.850 0.900 1.250
Great-West Life Not compounded Annually no 50,000 0.800 0.800 0.800 0.850 0.900 1.250
Great-West Life Annually At maturity no 50,000 0.800 0.800 0.800 0.850 0.900 1.250
Great-West Life Not compounded Annually yes 50,000 0.800 0.800 0.800 0.850 0.900 1.250
Manulife Investments Annually At maturity no 2,500 0.650 0.750 0.800 1.050 1.250 1.250
Canada Life Annually At maturity yes 25,000 0.675 0.675 0.675 0.725 0.775 1.125
Great-West Life Annually At maturity no 25,000 0.675 0.675 0.675 0.725 0.775 1.125
Great-West Life Not compounded Annually yes 25,000 0.675 0.675 0.675 0.725 0.775 1.125
Great-West Life Annually At maturity yes 25,000 0.675 0.675 0.675 0.725 0.775 1.125
Great-West Life Not compounded Annually no 25,000 0.675 0.675 0.675 0.725 0.775 1.125
Canada Life Annually At maturity yes 1,000 0.550 0.550 0.550 0.600 0.650 1.000
Great-West Life Not compounded Annually no 500 0.550 0.550 0.550 0.600 0.650 1.000
Great-West Life Annually At maturity no 500 0.550 0.550 0.550 0.600 0.650 1.000
Great-West Life Not compounded Annually yes 500 0.550 0.550 0.550 0.600 0.650 1.000
Great-West Life Annually At maturity yes 500 0.550 0.550 0.550 0.600 0.650 1.000
Manulife Investments Annually At maturity yes 2,500 0.400 0.500 0.550 0.800 1.000 1.000
Standard Life Annually At maturity yes 1,000 0.400 0.500 0.550 0.800 1.000 1.000
Standard Life Annually At maturity yes 500,000 0.400 0.500 0.550 0.800 1.000 1.000
Standard Life Annually At maturity yes 250,000 0.400 0.500 0.550 0.800 1.000 1.000
Standard Life Annually At maturity yes 100,000 0.400 0.500 0.550 0.800 1.000 1.000
Standard Life Annually At maturity yes 50,000 0.400 0.500 0.550 0.800 1.000 1.000
Standard Life Annually At maturity yes 25,000 0.400 0.500 0.550 0.800 1.000 1.000
Great-West Life Not compounded Monthly no 50,000 0.300 0.300 0.300 0.350 0.400 0.750
Great-West Life Not compounded Monthly yes 50,000 0.300 0.300 0.300 0.350 0.400 0.750
Great-West Life Not compounded Monthly no 25,000 0.175 0.175 0.175 0.225 0.275 0.625
Great-West Life Not compounded Monthly yes 25,000 0.175 0.175 0.175 0.225 0.275 0.625
Great-West Life Not compounded Monthly no 500 0.050 0.050 0.050 0.100 0.150 0.500
Great-West Life Not compounded Monthly yes 500 0.050 0.050 0.050 0.100 0.150 0.500
ATB Financial Semi-annually At maturity yes 500 0.600 0.600 0.750 0.900 1.250 -
ATB Financial Annually At maturity no 500 1.500 1.700 1.150 1.300 1.500 -
ATB Financial Semi-annually At maturity no 500 1.250 1.450 0.900 1.050 1.250 -
ATB Financial Annually At maturity yes 500 0.850 0.850 1.000 1.150 1.500 -
Achieva Financial Annually At maturity no 1,000 2.050 2.200 2.300 2.450 2.550 -
Alterna Bank Not compounded Annually yes 500 0.900 - - - - -
Alterna Bank Annually At maturity no 500 1.200 1.750 1.500 1.700 1.850 -
Alterna Savings Not compounded Annually yes 500 0.900 - - - - -
Alterna Savings Annually At maturity no 500 1.200 1.750 1.500 1.700 1.850 -
B2B Bank Not compounded Annually no 1,000 1.450 1.700 1.810 1.920 2.060 -
BMO Bank of Montreal Annually At maturity yes 1,000 0.750 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 -
CFF Bank Annually At maturity no 25,000 1.200 1.400 1.550 1.700 1.900 -
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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 April 18, 2015

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

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