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

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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
CIBC Not compounded Annually cashable 1,000,000 0.800 - - - - -
Royal Bank of Canada Not compounded Annually yes 1,000,000 0.650 0.750 0.800 0.950 1.250 -
Royal Bank of Canada Not compounded Semi-annually yes 1,000,000 0.650 0.750 0.800 0.950 1.250 -
Royal Bank of Canada Not compounded Monthly yes 1,000,000 0.525 0.625 0.675 0.825 1.125 -
Royal Bank of Canada Annually At maturity yes 1,000,000 0.650 0.750 0.800 0.950 1.250 -
Royal Bank of Canada Not compounded Annually no 1,000,000 0.900 1.000 1.050 1.200 1.500 -
Royal Bank of Canada Not compounded Semi-annually no 1,000,000 0.900 1.000 1.050 1.200 1.500 -
Royal Bank of Canada Annually At maturity no 1,000,000 0.900 1.000 1.050 1.200 1.500 -
Royal Bank of Canada Not compounded Monthly no 1,000,000 0.775 0.875 0.925 1.075 1.375 -
CIBC Not compounded Annually cashable 500,000 0.500 - - - - -
National Bank Not compounded Semi-annually yes 300,000 0.550 0.700 0.800 0.950 1.150 -
National Bank Not compounded Annually no 300,000 0.850 1.050 1.150 1.300 1.500 -
National Bank Not compounded Semi-annually no 300,000 0.800 1.000 1.100 1.250 1.450 -
National Bank Not compounded Monthly no 300,000 0.725 0.925 1.025 1.175 1.375 -
National Bank Annually At maturity no 300,000 - 1.050 1.150 1.300 1.500 -
National Bank Not compounded Annually yes 300,000 0.600 0.750 0.850 1.000 1.200 -
Bank of Montreal Annually At maturity no 250,000 0.850 1.050 1.150 1.250 1.500 1.500
Bank of Montreal Not compounded Annually no 250,000 0.850 1.050 1.150 1.250 1.500 1.500
Bank of Montreal Not compounded Semi-annually no 250,000 0.725 0.925 1.025 1.125 1.375 1.375
Bank of Montreal Not compounded Monthly no 250,000 0.725 0.925 1.025 1.125 1.375 1.375
Bank of Nova Scotia Semi-annually At maturity no 250,000 0.775 0.975 1.025 1.175 1.375 1.375
Bank of Nova Scotia Annually At maturity no 250,000 0.900 1.100 1.150 1.300 1.500 1.500
Bank of Nova Scotia Not compounded Monthly no 250,000 0.650 0.850 0.900 1.050 1.250 1.250
Bank of Nova Scotia Not compounded Semi-annually no 250,000 0.775 0.975 1.025 1.175 1.375 1.375
Bank of Nova Scotia Not compounded Annually no 250,000 0.900 1.100 1.150 1.300 1.500 1.500
Bk Nova Scotia Mtg. Corp Semi-annually At maturity no 250,000 0.775 0.975 1.025 1.175 1.375 1.375
Bk Nova Scotia Mtg. Corp Annually At maturity no 250,000 0.900 1.100 1.150 1.300 1.500 1.500
Bk Nova Scotia Mtg. Corp Not compounded Monthly no 250,000 0.650 0.850 0.900 1.050 1.250 1.250
Bk Nova Scotia Mtg. Corp Not compounded Semi-annually no 250,000 0.775 0.975 1.025 1.175 1.375 1.375
Bk Nova Scotia Mtg. Corp Not compounded Annually no 250,000 0.900 1.100 1.150 1.300 1.500 1.500
CIBC Not compounded Annually cashable 250,000 0.500 - - - - -
CIBC Not compounded Monthly yes 250,000 0.050 0.150 0.350 0.550 0.750 0.750
CIBC Not compounded Semi-annually yes 250,000 0.175 0.275 0.475 0.675 0.875 0.875
CIBC Not compounded Quarterly yes 250,000 0.175 0.275 0.475 0.675 0.875 0.875
CIBC Not compounded Annually yes 250,000 0.300 0.400 0.600 0.800 1.000 1.000
CIBC Trust Corp. Not compounded Semi-annually no 250,000 0.425 0.525 0.725 0.925 1.125 1.125
CIBC Trust Corp. Not compounded Annually no 250,000 0.550 0.650 0.850 1.050 1.250 1.250
CIBC Trust Corp. Annually At maturity no 250,000 0.550 0.650 0.850 1.050 1.250 1.250
CIBC Trust Corp. Not compounded Monthly no 250,000 0.300 0.400 0.600 0.800 1.000 1.000
CIBC Trust Corp. Not compounded Quarterly no 250,000 0.425 0.525 0.725 0.925 1.125 1.125
Royal Bank of Canada Not compounded Semi-annually yes 250,000 0.650 0.750 0.800 0.950 1.250 -
Royal Bank of Canada Not compounded Monthly yes 250,000 0.525 0.625 0.675 0.825 1.125 -
Royal Bank of Canada Annually At maturity yes 250,000 0.650 0.750 0.800 0.950 1.250 -
Royal Bank of Canada Not compounded Annually no 250,000 0.900 1.000 1.050 1.200 1.500 -
Royal Bank of Canada Not compounded Semi-annually no 250,000 0.900 1.000 1.050 1.200 1.500 -
Royal Bank of Canada Not compounded Monthly no 250,000 0.775 0.875 0.925 1.075 1.375 -
Royal Bank of Canada Not compounded Annually yes 250,000 0.650 0.750 0.800 0.950 1.250 -
Royal Bank of Canada Annually At maturity no 250,000 0.900 1.000 1.050 1.200 1.500 -
Comtech Credit Union Not compounded Annually no 200,000 1.600 1.650 1.750 2.150 2.290 -
Industrial Alliance Annually At maturity yes 200,000 0.750 1.400 1.450 1.700 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 August 28, 2015

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

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