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
Standard Life Annually At maturity yes 500,000 1.075 1.175 1.250 1.475 1.700 1.725
Standard Life Annually At maturity yes 250,000 1.075 1.175 1.250 1.475 1.700 1.725
Comtech Credit Union Annually At maturity no 200,000 2.100 1.700 2.000 2.150 2.850 -
Industrial Alliance Annually At maturity yes 200,000 1.100 1.400 1.500 1.800 2.050 -
Industrial Alliance Not compounded Annually yes 200,000 1.100 1.400 1.500 1.800 2.050 -
Comtech Credit Union Annually At maturity no 100,000 2.100 1.700 2.000 2.150 2.850 -
Empire Life Annually At maturity yes 100,000 1.250 1.350 1.500 1.750 2.000 2.000
Industrial Alliance Not compounded Annually yes 100,000 1.050 1.350 1.450 1.750 2.000 -
Industrial Alliance Annually At maturity yes 100,000 1.050 1.350 1.450 1.750 2.000 -
MCAN Mortgage Corp. Not compounded Annually no 100,000 2.050 2.200 2.200 2.200 2.400 -
MCAN Mortgage Corp. Annually At maturity no 100,000 2.050 2.200 2.200 2.200 2.400 -
Ontario Civil Service CU Annually At maturity no 100,000 1.350 1.600 1.750 1.900 2.200 -
Standard Life Annually At maturity yes 100,000 1.075 1.175 1.250 1.475 1.700 1.725
Your Neighbourhood C.U. Annually At maturity no 100,000 1.800 1.900 2.000 2.350 2.550 -
Your Neighbourhood C.U. Not compounded Annually no 100,000 1.800 1.900 2.000 2.350 2.550 -
Canada Life Annually At maturity yes 75,000 1.000 1.100 1.200 1.500 1.700 1.900
Ontario Civil Service CU Annually At maturity no 60,000 1.350 1.600 1.750 1.900 2.200 -
Comtech Credit Union Annually At maturity no 50,000 2.100 1.700 2.000 2.150 2.850 -
Empire Life Annually At maturity yes 50,000 1.125 1.225 1.375 1.625 1.875 1.875
Equitable Life Annually At maturity yes 50,000 0.750 1.300 1.450 1.800 1.900 -
Great-West Life Not compounded Annually no 50,000 1.000 1.100 1.200 1.500 1.700 1.900
Great-West Life Not compounded Monthly no 50,000 0.500 0.600 0.700 1.000 1.200 1.400
Great-West Life Annually At maturity no 50,000 1.000 1.100 1.200 1.500 1.700 1.900
Great-West Life Not compounded Annually yes 50,000 1.000 1.100 1.200 1.500 1.700 1.900
Great-West Life Not compounded Monthly yes 50,000 0.500 0.600 0.700 1.000 1.200 1.400
Great-West Life Annually At maturity yes 50,000 1.000 1.100 1.200 1.500 1.700 1.900
HSBC Bank Canada Annually At maturity no 50,000 1.150 1.250 1.350 1.600 1.950 -
London Life Annually At maturity yes 50,000 1.000 1.100 1.200 1.500 1.700 -
Standard Life Annually At maturity yes 50,000 1.075 1.175 1.250 1.475 1.700 1.725
Ontario Civil Service CU Annually At maturity no 40,000 1.350 1.600 1.750 1.900 2.200 -
CFF Bank Annually At maturity no 25,000 1.800 1.850 2.000 2.150 2.400 -
CFF Bank Not compounded Annually no 25,000 1.800 1.850 2.000 2.150 2.400 -
CFF Bank Not compounded At maturity cashable 25,000 0.850 - - - - -
Canada Life Annually At maturity yes 25,000 0.875 0.975 1.075 1.375 1.575 1.775
Equitable Life Annually At maturity yes 25,000 0.750 1.300 1.450 1.800 1.900 -
Great-West Life Annually At maturity no 25,000 0.875 0.975 1.075 1.375 1.575 1.775
Great-West Life Not compounded Annually yes 25,000 0.875 0.975 1.075 1.375 1.575 1.775
Great-West Life Not compounded Monthly yes 25,000 0.375 0.475 0.575 0.875 1.075 1.275
Great-West Life Annually At maturity yes 25,000 0.875 0.975 1.075 1.375 1.575 1.775
Great-West Life Not compounded Annually no 25,000 0.875 0.975 1.075 1.375 1.575 1.775
Great-West Life Not compounded Monthly no 25,000 0.375 0.475 0.575 0.875 1.075 1.275
Industrial Alliance Not compounded Annually yes 25,000 1.000 1.300 1.400 1.700 1.950 -
Industrial Alliance Annually At maturity yes 25,000 1.000 1.300 1.400 1.700 1.950 -
MCAN Mortgage Corp. Not compounded Annually no 25,000 2.000 2.150 2.150 2.150 2.350 -
MCAN Mortgage Corp. Annually At maturity no 25,000 2.000 2.150 2.150 2.150 2.350 -
Standard Life Annually At maturity yes 25,000 1.075 1.175 1.250 1.475 1.700 1.725
Ontario Civil Service CU Annually At maturity no 20,000 1.300 1.450 1.500 1.750 2.050 -
Your Neighbourhood C.U. Not compounded Annually no 20,000 1.750 1.850 1.950 2.300 2.500 -
Your Neighbourhood C.U. Annually At maturity no 20,000 1.750 1.850 1.950 2.300 2.500 -
CFF Bank Not compounded At maturity cashable 10,000 0.750 - - - - -
Ontario Civil Service CU Annually At maturity no 10,000 1.300 1.450 1.500 1.750 2.050 -
CFF Bank Annually At maturity no 5,000 1.750 1.800 1.950 2.100 2.350 -
CFF Bank Not compounded Annually no 5,000 1.750 1.800 1.950 2.100 2.350 -
Canadian Western Trust Annually At maturity no 5,000 1.250 1.400 1.600 1.850 2.100 -
Concentra Financial Not compounded Annually cashable 5,000 0.900 - - - - -
MCAN Mortgage Corp. Not compounded Annually no 5,000 1.950 2.100 2.100 2.100 2.300 -
MCAN Mortgage Corp. Annually At maturity no 5,000 1.950 2.100 2.100 2.100 2.300 -
Ontario Civil Service CU Annually At maturity no 5,000 1.000 1.100 1.350 1.600 1.900 -
Peoples Trust Annually At maturity no 5,000 1.400 1.700 1.850 2.100 2.300 -
Manulife Bank Annually At maturity no 2,500 1.400 1.600 1.900 2.100 2.300 -
Manulife Investments Annually At maturity yes 2,500 0.700 1.100 1.150 1.300 1.400 1.450
Manulife Investments Annually At maturity no 2,500 0.950 1.350 1.400 1.550 1.650 1.700
Achieva Financial Annually At maturity no 1,000 2.250 2.400 2.500 2.650 2.800 -
B2B Bank Annually At maturity no 1,000 1.500 1.810 1.950 2.110 2.210 -
Caisses Desjardins Not compounded Annually no 1,000 0.900 1.150 1.250 1.500 1.750 -
Canada Life Annually At maturity yes 1,000 0.750 0.850 0.950 1.250 1.450 1.650
Coast Capital Savings Annually At maturity no 1,000 1.550 1.650 1.950 2.050 2.250 -
Community Trust Annually At maturity no 1,000 1.750 2.250 2.420 2.420 2.650 -
Comtech Credit Union Annually At maturity no 1,000 2.100 1.700 2.000 2.150 2.850 -
Concentra Financial Annually At maturity no 1,000 1.250 1.450 1.700 1.900 2.000 -
Effort Trust Annually At maturity no 1,000 1.950 2.100 2.300 2.400 2.600 -
Entegra Credit Union Annually At maturity no 1,000 2.000 2.100 2.200 2.350 2.500 -
Entegra Credit Union Not compounded Annually no 1,000 2.000 2.100 2.200 2.350 2.500 -
Fiducie Desjardins Annually At maturity no 1,000 - 1.150 1.250 1.500 1.750 -
Fiducie Desjardins Not compounded Annually no 1,000 0.900 1.150 1.250 1.500 1.750 -
Home Trust Company Annually At maturity no 1,000 1.900 2.050 2.250 2.400 2.600 -
ICICI Bank Canada Annually At maturity yes 1,000 1.750 2.050 2.500 2.600 3.000 -
Industrial Alliance Annually At maturity yes 1,000 0.850 1.150 1.250 1.550 1.800 -
Industrial Alliance Not compounded Annually yes 1,000 0.850 1.150 1.250 1.550 1.800 -
London Life Annually At maturity yes 1,000 0.750 0.850 0.950 1.250 1.450 -
Oaken Financial Annually At maturity no 1,000 2.400 2.600 2.650 2.850 3.050 -
Ontario Civil Service CU Annually At maturity no 1,000 1.000 1.100 1.350 1.600 1.900 -
Outlook Financial Not compounded Annually yes 1,000 2.200 2.400 2.500 2.650 2.800 -
Outlook Financial Annually At maturity yes 1,000 2.200 2.400 2.500 2.650 2.800 -
Outlook Financial Not compounded Monthly yes 1,000 2.050 2.250 2.350 2.500 2.650 -
PACE Savings & Credit Un Annually At maturity no 1,000 1.200 1.300 1.600 1.750 2.100 -
Pacific & Western Bank Annually At maturity no 1,000 1.600 1.800 2.100 2.200 2.200 -
Parama Credit Union Annually At maturity no 1,000 1.650 1.900 2.150 2.350 2.550 -
Peace Hills Trust Annually At maturity no 1,000 1.450 1.900 2.250 2.500 2.700 -
Peace Hills Trust Not compounded Annually no 1,000 1.450 1.900 2.250 2.500 2.700 -
Standard Life Annually At maturity yes 1,000 1.075 1.175 1.250 1.475 1.700 1.725
State Bank of India (C) Annually Annually no 1,000 1.850 2.100 2.600 2.700 3.000 -
Sun Life - Insurance Not compounded Annually yes 1,000 0.850 1.000 1.050 1.600 1.850 -
Sun Life - Insurance Annually At maturity yes 1,000 0.850 1.000 1.050 1.600 1.850 -
Sun Life - Trust Not compounded Annually yes 1,000 0.850 1.000 1.050 1.600 1.850 -
Sun Life - Trust Annually At maturity no 1,000 1.300 1.450 1.700 2.050 2.400 -
Sun Life - Trust Not compounded Annually no 1,000 1.300 1.450 1.700 2.050 2.400 -
Sun Life - Trust Annually At maturity yes 1,000 0.850 1.000 1.050 1.600 1.850 -
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 -
AcceleRate Financial Annually At maturity no 500 2.250 2.400 2.500 2.750 2.750 2.800
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 Annually At maturity no 500 1.500 1.600 2.500 1.900 2.300 -
Alterna Savings Not compounded Annually yes 500 1.100 - - - - -
BMO Bank of Montreal Annually At maturity 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
BMO Bank of Montreal Annually At maturity 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 -
CIBC Annually At maturity yes 500 0.650 0.850 1.000 - - -
CIBC Annually At maturity no 500 0.900 1.100 1.250 1.400 1.750 -
CIBC Not compounded Annually cashable 500 0.800 - - - - -
Caisses Desjardins Annually At maturity no 500 0.900 1.150 1.250 1.500 1.750 -
Caisses Desjardins Not compounded Semi-annually no 500 0.850 1.100 1.200 1.450 1.700 -
Caisses Desjardins Not compounded Monthly no 500 0.850 1.100 1.200 1.450 1.700 -
Canadian Direct Fin'l Annually At maturity no 500 1.960 2.060 2.260 2.460 2.560 -
Canadian Western Bank Annually At maturity no 500 1.710 1.810 2.010 2.210 2.310 -
DUCA Financial Services Annually At maturity no 500 1.600 1.950 2.000 2.350 2.600 2.600
Desjardins Fin. Security Not compounded Annually yes 500 0.850 0.950 1.400 1.650 1.900 -
Desjardins Fin. Security Annually At maturity yes 500 0.850 0.950 1.400 1.650 1.900 -
Empire Life Annually At maturity yes 500 1.000 1.100 1.250 1.500 1.750 1.750
Equitable Life Annually At maturity yes 500 0.750 1.300 1.450 1.800 1.900 -
First Calgary Financial Annually At maturity no 500 1.250 1.650 1.700 1.750 2.350 -
FirstOntario Credit Un. Annually At maturity no 500 1.800 2.250 1.950 2.250 2.600 -
Great-West Life Not compounded Monthly no 500 0.250 0.350 0.450 0.750 0.950 1.150
Great-West Life Annually At maturity no 500 0.750 0.850 0.950 1.250 1.450 1.650
Great-West Life Not compounded Annually yes 500 0.750 0.850 0.950 1.250 1.450 1.650
Great-West Life Not compounded Monthly yes 500 0.250 0.350 0.450 0.750 0.950 1.150
Great-West Life Annually At maturity yes 500 0.750 0.850 0.950 1.250 1.450 1.650
Great-West Life Not compounded Annually no 500 0.750 0.850 0.950 1.250 1.450 1.650
HSBC Bank Canada Annually At maturity no 500 1.150 1.250 1.350 1.600 1.950 -
Laurentian Bank Canada Not compounded Annually yes 500 0.600 0.850 1.000 1.150 1.500 -
Laurentian Bank Canada Annually At maturity yes 500 0.650 0.850 1.000 1.150 1.500 -
Laurentian Bank Canada Annually At maturity no 500 0.850 1.100 1.250 1.400 1.750 -
Laurentian Bank Canada Not compounded Annually no 500 0.850 1.100 1.250 1.400 1.750 -
Laurentienne Trust Not compounded Quarterly no 500 0.500 0.730 0.880 1.030 1.380 -
Laurentienne Trust Annually At maturity no 500 - 1.100 1.250 1.400 1.750 -
Laurentienne Trust Not compounded Monthly no 500 0.500 0.600 0.750 0.900 1.250 -
Laurentienne Trust Not compounded Annually no 500 0.850 1.100 1.250 1.400 1.750 -
Laurentienne Trust Not compounded Semi-annually no 500 0.600 0.850 1.000 1.150 1.500 -
Libro Credit Union Not compounded Annually no 500 1.350 1.750 2.000 2.200 2.400 -
MAXA Financial Not compounded Annually yes 500 2.150 2.250 2.400 2.550 2.700 0.000
Meridian Credit Union Annually At maturity no 500 1.500 1.600 1.900 2.200 2.300 -
National Bank Annually At maturity yes 500 0.650 0.850 0.950 1.200 1.450 -
National Bank Annually At maturity no 500 0.900 1.150 1.250 1.500 1.750 -
Royal Bank of Canada Not compounded Annually no 500 1.300 1.650 1.700 1.750 2.000 -
Royal Bank of Canada Semi-annually At maturity yes 500 1.050 1.400 1.450 1.500 1.750 -
Royal Bank of Canada Annually At maturity no 500 1.300 1.650 1.700 1.750 2.000 -
Servus Credit Union Annually At maturity no 500 1.250 1.350 1.400 1.600 2.000 -
Steinbach Credit Union Annually At maturity no 500 2.100 2.200 2.350 2.450 2.600 -
TD Canada Trust Not compounded Annually no 500 1.300 1.350 1.400 1.600 2.000 -
TD Canada Trust Annually At maturity no 500 1.300 1.350 1.400 1.600 2.000 -
Windsor Family C.U. Annually At maturity no 500 0.900 1.100 1.250 1.400 1.750 -
Your Neighbourhood C.U. Not compounded Annually no 500 1.700 1.800 1.900 2.250 2.450 -
Your Neighbourhood C.U. Annually At maturity no 500 1.700 1.800 1.900 2.250 2.450 -
President's Choice Fin'l Not compounded Annually no 100 1.400 1.650 1.900 2.200 2.500 -
President's Choice Fin'l Annually At maturity no 100 1.400 1.650 1.900 2.200 2.500 -
Tangerine Annually At maturity yes 1 1.350 1.650 1.900 2.200 2.550 -

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 October 20, 2014

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

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