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 2.050 2.200 2.350 2.400
DUCA Financial Services Annually At maturity no 500 1.000 1.200 1.450 1.550 1.750 1.750
Manulife Investments Annually At maturity no 2,500 0.650 0.850 1.100 1.250 1.450 1.550
BMO Bank of Montreal Not compounded Semi-annually no 100,000 0.850 1.050 1.150 1.250 1.500 1.500
BMO Bank of Montreal Not compounded Annually no 100,000 0.850 1.050 1.150 1.250 1.500 1.500
Laurentian Bank Canada Not compounded Annually no 500 - 1.000 1.150 1.300 1.500 1.500
Laurentian Bank Canada Annually Annually no 500 - 1.000 1.150 1.300 1.500 1.500
Canada Life Annually At maturity yes 25,000 0.750 0.800 0.900 1.150 1.300 1.450
Canada Life Annually At maturity yes 1,000 0.750 0.800 0.900 1.150 1.300 1.450
Canada Life Annually At maturity yes 75,000 0.750 0.800 0.900 1.150 1.300 1.450
Empire Life Annually At maturity yes 100,000 0.850 1.100 1.150 1.350 1.950 1.450
Great-West Life Not compounded Annually no 500 0.750 0.800 0.900 1.150 1.300 1.450
Great-West Life Not compounded Annually no 25,000 0.750 0.800 0.900 1.150 1.300 1.450
Great-West Life Not compounded Annually no 50,000 0.750 0.800 0.900 1.150 1.300 1.450
Great-West Life Annually At maturity no 500 0.750 0.800 0.900 1.150 1.300 1.450
Great-West Life Annually At maturity no 25,000 0.750 0.800 0.900 1.150 1.300 1.450
Great-West Life Annually At maturity no 50,000 0.750 0.800 0.900 1.150 1.300 1.450
Great-West Life Not compounded Annually yes 500 0.750 0.800 0.900 1.150 1.300 1.450
Great-West Life Not compounded Annually yes 25,000 0.750 0.800 0.900 1.150 1.300 1.450
Great-West Life Not compounded Annually yes 50,000 0.750 0.800 0.900 1.150 1.300 1.450
Great-West Life Annually At maturity yes 500 0.750 0.800 0.900 1.150 1.300 1.450
Great-West Life Annually At maturity yes 25,000 0.750 0.800 0.900 1.150 1.300 1.450
Great-West Life Annually At maturity yes 50,000 0.750 0.800 0.900 1.150 1.300 1.450
Great-West Life Not compounded Monthly no 500 0.650 0.700 0.800 1.050 1.200 1.350
Great-West Life Not compounded Monthly no 25,000 0.650 0.700 0.800 1.050 1.200 1.350
Great-West Life Not compounded Monthly no 50,000 0.650 0.700 0.800 1.050 1.200 1.350
Great-West Life Not compounded Monthly yes 500 0.650 0.700 0.800 1.050 1.200 1.350
Great-West Life Not compounded Monthly yes 25,000 0.650 0.700 0.800 1.050 1.200 1.350
Great-West Life Not compounded Monthly yes 50,000 0.650 0.700 0.800 1.050 1.200 1.350
Empire Life Annually At maturity yes 50,000 0.725 0.975 1.025 1.225 1.825 1.325
Manulife Investments Annually At maturity yes 2,500 0.400 0.600 0.850 1.000 1.200 1.300
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 0.600 0.850 0.900 1.100 1.700 1.200
Laurentian Bank Canada Not compounded Monthly no 500 0.500 0.500 0.650 0.800 1.000 1.000
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 Semi-annually At maturity no 500 1.100 1.250 1.500 1.560 1.850 -
ATB Financial Annually At maturity no 500 1.350 1.500 1.750 1.810 2.100 -
Achieva Financial Annually At maturity no 1,000 1.850 1.950 2.050 2.200 2.350 -
Alterna Bank Annually Annually no 500 1.500 1.600 1.700 1.800 1.900 -
Alterna Savings Annually Annually no 500 1.150 1.200 1.200 1.350 2.000 -
Alterna Savings Not compounded Annually yes 500 0.750 - - - - -
B2B Bank Annually At maturity no 1,000 1.260 1.460 1.650 1.850 2.000 -
BMO Bank of Montreal Not compounded Semi-annually yes 100,000 0.600 0.800 0.900 1.000 1.250 -
Bank of Nova Scotia Annually At maturity no 500 0.850 1.000 1.050 1.100 1.250 -
Bk Nova Scotia Mtg. Corp Annually At maturity no 500 0.850 1.000 1.050 1.100 1.250 -
CIBC Not compounded Annually cashable 500 0.500 - - - - -
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 March 24, 2017

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

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