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

Sorted by: Minimum Deposit 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
BMO Bank of Montreal Not compounded Annually no 1,000,000 0.850 1.050 1.150 1.250 1.500 1.500
BMO Bank of Montreal Annually At maturity no 1,000,000 0.850 1.050 1.150 1.250 1.500 1.500
BMO Bank of Montreal Annually At maturity yes 1,000,000 0.600 0.800 0.900 1.000 1.250 -
Kindred Credit Union Annually At maturity no 250,000 1.450 1.850 2.150 2.250 2.300 -
Comtech Credit Union Annually At maturity no 200,000 1.900 2.100 2.250 2.400 2.750 -
Industrial Alliance Not compounded Annually yes 200,000 1.350 1.650 2.750 2.850 1.850 -
Industrial Alliance Annually At maturity yes 200,000 1.350 1.650 2.750 2.850 1.850 -
Comtech Credit Union Annually At maturity no 100,000 1.900 2.100 2.250 2.400 2.750 -
Empire Life Annually At maturity yes 100,000 1.400 1.650 1.750 1.850 2.350 1.900
Industrial Alliance Not compounded Annually yes 100,000 1.300 1.600 2.700 2.800 1.800 -
Industrial Alliance Annually At maturity yes 100,000 1.300 1.600 2.700 2.800 1.800 -
Kindred Credit Union Annually At maturity no 100,000 1.400 1.800 2.100 2.200 2.250 -
MCAN Mortgage Corp. Annually At maturity no 100,000 1.950 2.450 2.700 2.800 2.950 -
MCAN Mortgage Corp. Not compounded Annually no 100,000 1.950 2.450 2.700 2.800 2.950 -
Rapport Credit Union Annually At maturity no 100,000 1.400 1.500 1.550 1.600 2.000 -
Your Neighbourhood C.U. Annually At maturity no 100,000 2.200 1.850 2.000 2.200 2.300 -
Your Neighbourhood C.U. Not compounded Annually no 100,000 2.200 1.850 2.000 2.200 2.300 -
Canada Life Annually At maturity yes 75,000 1.100 1.100 1.300 1.450 1.550 1.600
Rapport Credit Union Annually At maturity no 60,000 1.400 1.500 1.550 1.600 2.000 -
Community Trust Annually At maturity no 50,000 1.800 2.300 2.400 2.400 2.500 -
Comtech Credit Union Annually At maturity no 50,000 1.900 2.100 2.250 2.400 2.750 -
Empire Life Annually At maturity yes 50,000 1.275 1.525 1.625 1.725 2.225 1.775
Equitable Life Annually At maturity yes 50,000 1.200 1.950 2.000 2.050 2.150 -
Great-West Life Not compounded Annually no 50,000 1.100 1.100 1.300 1.450 1.550 1.600
Great-West Life Not compounded Monthly no 50,000 1.000 1.000 1.200 1.350 1.450 1.500
Great-West Life Annually At maturity no 50,000 1.100 1.100 1.300 1.450 1.550 1.600
Great-West Life Not compounded Annually yes 50,000 1.100 1.100 1.300 1.450 1.550 1.600
Great-West Life Not compounded Monthly yes 50,000 1.000 1.000 1.200 1.350 1.450 1.500
Great-West Life Annually At maturity yes 50,000 1.100 1.100 1.300 1.450 1.550 1.600
HSBC Bank Canada Annually At maturity no 50,000 1.000 1.250 1.350 1.500 1.600 -
Kindred Credit Union Annually At maturity no 50,000 1.400 1.700 2.000 2.100 2.200 -
London Life Annually At maturity yes 50,000 1.100 1.100 1.300 1.450 1.550 -
Rapport Credit Union Annually At maturity no 40,000 1.250 1.350 1.400 1.450 1.900 -
Canada Life Annually At maturity yes 25,000 1.100 1.100 1.300 1.450 1.550 1.600
Equitable Life Annually At maturity yes 25,000 1.200 1.950 2.000 2.050 2.150 -
Great-West Life Not compounded Annually no 25,000 1.100 1.100 1.300 1.450 1.550 1.600
Great-West Life Not compounded Monthly no 25,000 1.000 1.000 1.200 1.350 1.450 1.500
Great-West Life Annually At maturity no 25,000 1.100 1.100 1.300 1.450 1.550 1.600
Great-West Life Not compounded Annually yes 25,000 1.100 1.100 1.300 1.450 1.550 1.600
Great-West Life Not compounded Monthly yes 25,000 1.000 1.000 1.200 1.350 1.450 1.500
Great-West Life Annually At maturity yes 25,000 1.100 1.100 1.300 1.450 1.550 1.600
Industrial Alliance Not compounded Annually yes 25,000 1.250 1.550 2.650 2.750 1.750 -
Industrial Alliance Annually At maturity yes 25,000 1.250 1.550 2.650 2.750 1.750 -
Kindred Credit Union Annually At maturity no 25,000 1.400 1.650 1.900 2.050 2.150 -
MCAN Mortgage Corp. Not compounded Annually no 25,000 1.950 2.450 2.700 2.800 2.950 -
MCAN Mortgage Corp. Annually At maturity no 25,000 1.950 2.450 2.700 2.800 2.950 -
Rapport Credit Union Annually At maturity no 20,000 1.250 1.350 1.400 1.450 1.900 -
Your Neighbourhood C.U. Not compounded Annually no 20,000 2.150 1.800 1.950 2.150 2.250 -
Your Neighbourhood C.U. Annually At maturity no 20,000 2.150 1.800 1.950 2.150 2.250 -
Rapport Credit Union Annually At maturity no 10,000 1.000 1.100 1.150 1.200 1.700 -
Canadian Western Trust Annually At maturity no 5,000 1.580 2.030 2.400 2.470 2.720 -
MCAN Mortgage Corp. Annually At maturity no 5,000 1.850 2.350 2.600 2.700 2.850 -
MCAN Mortgage Corp. Not compounded Annually no 5,000 1.850 2.350 2.600 2.700 2.850 -
Rapport Credit Union Annually At maturity no 5,000 1.000 1.100 1.150 1.200 1.700 -
Manulife Bank Annually At maturity no 2,500 1.550 1.750 2.000 2.250 2.550 -
Manulife Investments Annually At maturity yes 2,500 0.750 1.000 1.300 1.450 1.550 1.600
Manulife Investments Annually At maturity no 2,500 1.000 1.250 1.550 1.700 1.800 1.850
Achieva Financial Annually At maturity no 1,000 2.250 2.450 2.600 2.750 2.900 -
B2B Bank Annually At maturity no 1,000 1.710 2.180 2.400 2.470 2.720 -
Canada Life Annually At maturity yes 1,000 1.100 1.100 1.300 1.450 1.550 1.600
Coast Capital Savings Annually At maturity no 1,000 1.200 1.300 1.750 1.600 2.000 -
Community Trust Annually At maturity no 1,000 1.700 2.200 2.300 2.300 2.400 -
Comtech Credit Union Annually At maturity no 1,000 1.800 1.820 1.850 2.250 2.350 -
Effort Trust Company Annually At maturity no 1,000 2.100 2.250 2.300 2.350 2.400 -
Entegra Credit Union Annually At maturity no 1,000 2.150 2.350 2.500 2.650 2.800 -
Entegra Credit Union Not compounded Annually no 1,000 2.150 2.350 2.500 2.650 2.800 -
Home Bank - Agent Annually At maturity no 1,000 1.700 2.150 2.300 2.400 2.750 -
Home Trust Company-Agent Annually At maturity no 1,000 1.650 2.100 2.250 2.350 2.700 -
Hubert Financial Annually At maturity yes 1,000 2.250 - - - - -
Hubert Financial Annually At maturity no 1,000 - 2.400 2.450 2.700 3.000 -
ICICI Bank Canada Annually At maturity yes 1,000 1.350 1.550 1.650 1.850 2.050 -
Industrial Alliance Annually At maturity yes 1,000 1.100 1.400 2.500 2.600 1.600 -
Industrial Alliance Not compounded Annually yes 1,000 1.100 1.400 2.500 2.600 1.600 -
London Life Annually At maturity yes 1,000 1.100 1.100 1.300 1.450 1.550 -
Oaken Financial Annually At maturity no 1,000 2.000 2.350 2.650 2.750 3.000 -
Outlook Financial Not compounded Monthly yes 1,000 2.100 2.300 2.450 2.600 2.750 -
Outlook Financial Annually At maturity yes 1,000 2.250 2.450 2.600 2.750 2.900 -
Outlook Financial Not compounded Annually yes 1,000 2.250 2.450 2.600 2.750 2.900 -
PACE Savings & Credit Un Annually At maturity no 1,000 1.250 1.350 1.550 1.750 2.000 -
Parama Credit Union Annually At maturity no 1,000 2.400 1.850 2.000 2.100 2.250 -
Peace Hills Trust Not compounded Annually no 1,000 1.700 2.150 2.350 2.450 2.700 -
Peace Hills Trust Annually At maturity no 1,000 1.700 2.150 2.350 2.450 2.700 -
Peoples Trust Annually At maturity no 1,000 1.950 2.050 2.250 2.350 2.500 -
Rapport Credit Union Annually At maturity no 1,000 1.000 1.100 1.150 1.200 1.700 -
Resurrection Credit Un. Annually At maturity no 1,000 1.700 1.850 1.950 2.200 2.300 -
SBI Canada Bank Annually Annually no 1,000 1.350 1.550 1.650 1.850 2.050 -
Sun Life - Insurance Not compounded Annually yes 1,000 1.400 1.400 1.400 1.850 2.150 -
Sun Life - Insurance Annually At maturity yes 1,000 1.400 1.400 1.400 1.850 2.150 -
Sun Life - Trust Not compounded Annually no 1,000 1.550 1.600 1.700 2.000 2.250 -
Sun Life - Trust Annually At maturity no 1,000 1.550 1.600 1.700 2.000 2.250 -
Sun Life - Trust Not compounded Annually yes 1,000 1.400 1.400 1.400 1.850 2.150 -
Sun Life - Trust Annually At maturity yes 1,000 1.400 1.400 1.400 1.850 2.150 -
VersaBank (Pac&WestBank) Annually At maturity no 1,000 1.620 2.100 2.410 2.480 2.510 -
Your Neighbourhood C.U. Not compounded Annually no 1,000 2.100 1.750 1.900 2.100 2.200 -
Your Neighbourhood C.U. Annually At maturity no 1,000 2.100 1.750 1.900 2.100 2.200 -
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 1.250 1.750 1.900 1.950 2.250 -
ATB Financial Annually At maturity no 500 1.500 2.000 2.150 2.200 2.500 -
AcceleRate Financial Annually At maturity no 500 2.250 2.450 2.600 2.750 3.000 2.950
Alterna Bank Annually Annually no 500 1.500 1.600 1.800 1.800 2.100 -
Alterna Savings Annually Annually no 500 1.150 1.300 1.400 1.500 1.700 -
Alterna Savings Not compounded Annually yes 500 0.750 - - - - -
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 0.450 - - - - -
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 - - -
Canadian Western Bank Annually At maturity no 500 1.630 2.080 2.450 2.520 2.770 -
Desjardins - Caisses Annually At maturity no 500 0.900 1.100 1.150 1.300 1.550 -
Desjardins - Fiducie Annually At maturity no 500 0.900 1.100 1.150 1.300 1.550 -
Empire Life Annually At maturity yes 500 1.150 1.400 1.500 1.600 2.100 1.650
Equitable Life Annually At maturity yes 500 1.200 1.950 2.000 2.050 2.150 -
First Calgary Financial Annually At maturity no 500 1.700 2.000 2.150 2.250 2.500 -
FirstOntario Credit Un. Annually At maturity no 500 1.800 1.900 2.000 2.250 2.500 -
Great-West Life Not compounded Annually no 500 1.100 1.100 1.300 1.450 1.550 1.600
Great-West Life Not compounded Monthly no 500 1.000 1.000 1.200 1.350 1.450 1.500
Great-West Life Annually At maturity no 500 1.100 1.100 1.300 1.450 1.550 1.600
Great-West Life Not compounded Annually yes 500 1.100 1.100 1.300 1.450 1.550 1.600
Great-West Life Not compounded Monthly yes 500 1.000 1.000 1.200 1.350 1.450 1.500
Great-West Life Annually At maturity yes 500 1.100 1.100 1.300 1.450 1.550 1.600
HSBC Bank Canada Annually At maturity no 500 1.000 1.250 1.350 1.500 1.600 -
Kindred Credit Union Annually At maturity no 500 1.400 1.600 1.800 1.950 2.100 -
Laurentian Bank Canada Not compounded Quarterly no 500 0.650 0.850 0.900 1.050 1.350 1.350
Laurentian Bank Canada Not compounded Monthly yes 500 0.300 0.250 0.400 0.550 0.750 -
Laurentian Bank Canada Not compounded Semi-annually yes 500 0.300 0.500 0.650 0.800 1.000 -
Laurentian Bank Canada Not compounded Annually yes 500 - 0.800 0.900 1.050 1.250 -
Laurentian Bank Canada Not compounded At maturity no 500 0.900 0.900 - - - -
Laurentian Bank Canada Not compounded Annually no 500 - 1.100 1.150 1.300 1.600 1.600
Laurentian Bank Canada Not compounded Semi-annually no 500 0.650 0.850 0.900 1.050 1.350 1.350
Laurentian Bank Canada Annually Annually yes 500 - 0.800 0.900 1.050 1.250 -
Laurentian Bank Canada Not compounded Monthly no 500 0.550 0.600 0.650 0.800 1.100 1.100
Laurentian Bank Canada Annually Annually no 500 - 1.100 1.150 1.300 1.600 1.600
Laurentian Bank Canada Not compounded At maturity yes 500 0.650 0.650 - - - -
Libro Credit Union Not compounded Annually no 500 1.300 1.650 1.800 1.950 2.150 -
Luminus Financial Annually At maturity no 500 2.300 2.250 2.300 2.350 2.400 -
MAXA Financial Not compounded Annually no 500 2.300 2.500 2.650 2.800 2.950 -
Meridian Credit Union Annually At maturity no 500 1.250 1.350 1.550 1.750 2.000 -
Motive Financial Annually At maturity no 500 1.830 2.280 2.650 2.720 2.970 -
National Bank Annually At maturity yes 500 0.650 0.800 0.850 0.900 1.150 -
National Bank Annually At maturity no 500 0.900 1.100 1.150 1.300 1.600 -
Royal Bank of Canada Semi-annually At maturity yes 500 0.650 1.000 1.100 1.250 1.350 -
Royal Bank of Canada Annually At maturity no 500 0.900 1.250 1.350 1.500 1.600 -
Royal Bank of Canada Not compounded Annually no 500 0.900 1.250 1.350 1.500 1.600 -
Steinbach Credit Union Annually At maturity no 500 2.150 2.400 2.500 2.650 3.000 -
TD Canada Trust Not compounded Annually no 500 1.000 1.250 1.350 1.500 1.600 -
TD Canada Trust Annually At maturity no 500 1.000 1.250 1.350 1.500 1.600 -
Zag Bank Not compounded Annually no 250 1.200 1.300 1.500 1.600 2.000 -
Simplii Financial Not compounded Annually no 100 1.700 1.300 2.000 1.500 2.250 -
Simplii Financial Annually At maturity no 100 1.700 1.300 2.000 1.500 2.250 -
Tangerine Annually At maturity no 1 1.750 2.000 2.000 1.550 2.250 -

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 December 13, 2017

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

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