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 1.250 - - - - -
Royal Bank of Canada Not compounded Semi-annually yes 1,000,000 1.050 1.300 1.500 1.350 1.950 -
Royal Bank of Canada Not compounded Monthly yes 1,000,000 0.925 1.175 1.375 1.225 1.825 -
Royal Bank of Canada Annually At maturity yes 1,000,000 1.050 1.300 1.500 1.350 1.950 -
Royal Bank of Canada Not compounded Annually no 1,000,000 1.300 1.550 1.750 1.600 2.200 -
Royal Bank of Canada Not compounded Semi-annually no 1,000,000 1.300 1.550 1.750 1.600 2.200 -
Royal Bank of Canada Not compounded Monthly no 1,000,000 1.175 1.425 1.625 1.475 2.075 -
Royal Bank of Canada Annually At maturity no 1,000,000 1.300 1.550 1.750 1.600 2.200 -
Royal Bank of Canada Not compounded Annually yes 1,000,000 1.050 1.300 1.500 1.350 1.950 -
Bank of Montreal Not compounded At maturity cashable 500,000 0.800 - - - - -
CIBC Not compounded Annually cashable 500,000 0.800 - - - - -
Standard Life Annually At maturity yes 500,000 1.150 1.350 1.550 1.750 1.950 2.075
Standard Life Not compounded Annually yes 500,000 1.150 1.350 1.550 1.750 1.950 2.075
Standard Life Not compounded Monthly yes 500,000 0.900 1.100 1.300 1.500 1.700 1.825
National Bank Not compounded Semi-annually yes 300,000 0.600 0.800 0.900 1.150 1.400 -
National Bank Not compounded Annually no 300,000 0.900 1.150 1.250 1.500 1.750 -
National Bank Not compounded Semi-annually no 300,000 0.850 1.100 1.200 1.450 1.700 -
National Bank Not compounded Monthly no 300,000 0.775 1.025 1.125 1.375 1.625 -
National Bank Annually At maturity no 300,000 - 1.150 1.250 1.500 1.750 -
National Bank Not compounded Annually yes 300,000 0.650 0.850 0.950 1.200 1.450 -
Bank of Montreal Not compounded Annually no 250,000 1.000 1.150 1.350 1.600 1.950 1.950
Bank of Montreal Not compounded Semi-annually no 250,000 0.875 1.025 1.225 1.475 1.825 1.825
Bank of Montreal Not compounded Monthly no 250,000 0.875 1.025 1.225 1.475 1.825 1.825
Bank of Montreal Annually At maturity no 250,000 1.000 1.150 1.350 1.600 1.950 1.950
Bank of Montreal Not compounded At maturity cashable 250,000 0.800 - - - - -
Bank of Nova Scotia Semi-annually At maturity no 250,000 0.775 0.975 1.125 1.275 1.625 1.625
Bank of Nova Scotia Annually At maturity no 250,000 0.900 1.100 1.250 1.400 1.750 1.750
Bank of Nova Scotia Not compounded Monthly no 250,000 0.650 0.850 1.000 1.150 1.500 1.500
Bank of Nova Scotia Not compounded Semi-annually no 250,000 0.775 0.975 1.125 1.275 1.625 1.625
Bank of Nova Scotia Not compounded Annually no 250,000 0.900 1.100 1.250 1.400 1.750 1.750
Bk Nova Scotia Mtg. Corp Not compounded Annually no 250,000 0.900 1.100 1.250 1.400 1.750 1.750
Bk Nova Scotia Mtg. Corp Not compounded Semi-annually no 250,000 0.775 0.975 1.125 1.275 1.625 1.625
Bk Nova Scotia Mtg. Corp Not compounded Monthly no 250,000 0.650 0.850 1.000 1.150 1.500 1.500
Bk Nova Scotia Mtg. Corp Annually At maturity no 250,000 0.900 1.100 1.250 1.400 1.750 1.750
Bk Nova Scotia Mtg. Corp Semi-annually At maturity no 250,000 0.775 0.975 1.125 1.275 1.625 1.625
CIBC Not compounded Quarterly yes 250,000 0.525 0.725 0.875 1.025 1.375 1.375
CIBC Not compounded Monthly yes 250,000 0.400 0.600 0.750 0.900 1.250 1.250
CIBC Not compounded Annually cashable 250,000 0.800 - - - - -
CIBC Not compounded Semi-annually yes 250,000 0.525 0.725 0.875 1.025 1.375 1.375
CIBC Not compounded Annually yes 250,000 0.650 0.850 1.000 1.150 1.500 1.500
CIBC Trust Corp. Annually At maturity no 250,000 0.900 1.100 1.250 1.400 1.750 1.750
CIBC Trust Corp. Not compounded Annually no 250,000 0.900 1.100 1.250 1.400 1.750 1.750
CIBC Trust Corp. Not compounded Semi-annually no 250,000 0.775 0.975 1.125 1.275 1.625 1.625
CIBC Trust Corp. Not compounded Quarterly no 250,000 0.775 0.975 1.125 1.275 1.625 1.625
CIBC Trust Corp. Not compounded Monthly no 250,000 0.650 0.850 1.000 1.150 1.500 1.500
Royal Bank of Canada Not compounded Monthly yes 250,000 0.925 1.175 1.375 1.225 1.825 -
Royal Bank of Canada Annually At maturity yes 250,000 1.050 1.300 1.500 1.350 1.950 -
Royal Bank of Canada Not compounded Annually no 250,000 1.300 1.550 1.750 1.600 2.200 -
Royal Bank of Canada Not compounded Semi-annually no 250,000 1.300 1.550 1.750 1.600 2.200 -
Royal Bank of Canada Not compounded Monthly no 250,000 1.175 1.425 1.625 1.475 2.075 -
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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, 2014

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

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