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	1.300	1.425	1.550	1.700	1.850	1.900
Standard Life	Annually	At maturity	yes	250,000	1.300	1.425	1.550	1.700	1.850	1.900
Industrial Alliance	Annually	At maturity	yes	200,000	1.000	1.350	1.500	1.650	1.900	-
Industrial Alliance	Not compounded	Annually	yes	200,000	1.000	1.350	1.500	1.650	1.900	-
Empire Life	Annually	At maturity	yes	100,000	1.350	1.600	1.725	1.850	2.100	2.100
Industrial Alliance	Annually	At maturity	yes	100,000	0.950	1.300	1.450	1.600	1.850	-
Industrial Alliance	Not compounded	Annually	yes	100,000	0.950	1.300	1.450	1.600	1.850	-
MCAN Mortgage Corp.	Not compounded	Annually	no	100,000	1.800	1.900	2.100	1.750	2.050	-
MCAN Mortgage Corp.	Annually	At maturity	no	100,000	1.800	1.900	2.100	1.750	2.050	-
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	1.300	1.425	1.550	1.700	1.850	1.900
Your Neighbourhood C.U.	Annually	At maturity	no	100,000	1.500	1.750	1.900	2.100	2.300	-
Your Neighbourhood C.U.	Not compounded	Annually	no	100,000	1.500	1.750	1.900	2.100	2.300	-
Canada Life	Annually	At maturity	yes	75,000	1.150	1.250	1.400	1.450	1.550	1.950
Ontario Civil Service CU	Annually	At maturity	no	60,000	1.350	1.600	1.750	1.900	2.200	-
Empire Life	Annually	At maturity	yes	50,000	1.225	1.475	1.600	1.725	1.975	1.975
Equitable Life	Annually	At maturity	yes	50,000	1.025	1.575	1.700	1.850	2.100	-
Foresters	Annually	At maturity	yes	50,000	0.250	0.400	0.600	0.850	1.000	-
Great-West Life	Not compounded	Annually	no	50,000	1.150	1.250	1.400	1.450	1.550	1.950
Great-West Life	Not compounded	Monthly	no	50,000	0.650	0.750	0.900	0.950	1.050	1.450
Great-West Life	Annually	At maturity	no	50,000	1.150	1.250	1.400	1.450	1.550	1.950
Great-West Life	Not compounded	Annually	yes	50,000	1.150	1.250	1.400	1.450	1.550	1.950
Great-West Life	Not compounded	Monthly	yes	50,000	0.650	0.750	0.900	0.950	1.050	1.450
Great-West Life	Annually	At maturity	yes	50,000	1.150	1.250	1.400	1.450	1.550	1.950
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	1.150	1.250	1.400	1.450	1.550	-
Standard Life	Annually	At maturity	yes	50,000	1.300	1.425	1.550	1.700	1.850	1.900
Ontario Civil Service CU	Annually	At maturity	no	40,000	1.350	1.600	1.750	1.900	2.200	-
Canada Life	Annually	At maturity	yes	25,000	1.025	1.125	1.275	1.325	1.425	1.825
Equitable Life	Annually	At maturity	yes	25,000	0.900	1.450	1.575	1.725	1.975	-
Foresters	Annually	At maturity	yes	25,000	0.150	0.300	0.500	0.750	0.900	-
Great-West Life	Not compounded	Monthly	no	25,000	0.525	0.625	0.775	0.825	0.925	1.325
Great-West Life	Annually	At maturity	no	25,000	1.025	1.125	1.275	1.325	1.425	1.825
Great-West Life	Not compounded	Annually	yes	25,000	1.025	1.125	1.275	1.325	1.425	1.825
Great-West Life	Not compounded	Monthly	yes	25,000	0.525	0.625	0.775	0.825	0.925	1.325
Great-West Life	Annually	At maturity	yes	25,000	1.025	1.125	1.275	1.325	1.425	1.825
Great-West Life	Not compounded	Annually	no	25,000	1.025	1.125	1.275	1.325	1.425	1.825
Industrial Alliance	Annually	At maturity	yes	25,000	0.900	1.250	1.400	1.550	1.800	-
Industrial Alliance	Not compounded	Annually	yes	25,000	0.900	1.250	1.400	1.550	1.800	-
MCAN Mortgage Corp.	Annually	At maturity	no	25,000	1.750	1.850	2.050	1.700	2.000	-
MCAN Mortgage Corp.	Not compounded	Annually	no	25,000	1.750	1.850	2.050	1.700	2.000	-
MonCana Bank of Canada	Annually	At maturity	no	25,000	1.800	1.700	1.800	1.900	2.000	-
MonCana Bank of Canada	Not compounded	Annually	no	25,000	1.800	1.700	1.800	1.900	2.000	-
MonCana Bank of Canada	Not compounded	At maturity	cashable	25,000	1.000	-	-	-	-	-
Standard Life	Annually	At maturity	yes	25,000	1.300	1.425	1.550	1.700	1.850	1.900
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	1.450	1.700	1.850	2.050	2.250	-
Your Neighbourhood C.U.	Annually	At maturity	no	20,000	1.450	1.700	1.850	2.050	2.250	-
Foresters	Annually	At maturity	yes	10,000	0.050	0.200	0.400	0.650	0.800	-
MonCana Bank of Canada	Not compounded	At maturity	cashable	10,000	0.900	-	-	-	-	-

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).