Savings Rates | GIC/GIA: 1 to 6 years (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
BMO Bank of Montreal Not compounded Annually no 250,000 0.850 1.050 1.150 1.250 1.500 1.500
BMO Bank of Montreal Annually At maturity no 250,000 0.850 1.050 1.150 1.250 1.500 1.500
BMO Bank of Montreal Annually At maturity yes 250,000 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 1.750 1.650 1.750 2.150 2.250 -
Industrial Alliance Annually At maturity yes 200,000 1.450 2.300 2.350 2.650 1.850 -
Industrial Alliance Not compounded Annually yes 200,000 1.450 2.300 2.350 2.650 1.850 -
Comtech Credit Union Annually At maturity no 100,000 1.750 1.650 1.750 2.150 2.250 -
Empire Life Annually At maturity yes 100,000 1.450 1.700 1.800 1.950 2.450 2.000
Industrial Alliance Not compounded Annually yes 100,000 1.400 2.250 2.300 2.600 1.800 -
Industrial Alliance Annually At maturity yes 100,000 1.400 2.250 2.300 2.600 1.800 -
Kindred Credit Union Annually At maturity no 100,000 1.400 1.800 2.100 2.200 2.250 -
MCAN Mortgage Corp. Not compounded Annually no 100,000 1.450 1.850 2.150 2.200 2.250 -
MCAN Mortgage Corp. Annually At maturity no 100,000 1.450 1.850 2.150 2.200 2.250 -
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 1.600 1.750 1.950 2.100 2.200 -
Your Neighbourhood C.U. Not compounded Annually no 100,000 1.600 1.750 1.950 2.100 2.200 -
Canada Life Annually At maturity yes 75,000 1.100 1.100 1.250 1.550 1.600 1.750
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 2.000 2.100 2.150 2.150 2.200 -
Comtech Credit Union Annually At maturity no 50,000 1.750 1.650 1.750 2.150 2.250 -
Empire Life Annually At maturity yes 50,000 1.325 1.575 1.675 1.825 2.325 1.875
Equitable Life Annually At maturity yes 50,000 1.250 2.000 2.050 2.150 2.300 -
Great-West Life Not compounded Annually no 50,000 1.100 1.100 1.250 1.550 1.600 1.750
Great-West Life Not compounded Monthly no 50,000 1.000 1.000 1.150 1.450 1.500 1.650
Great-West Life Annually At maturity no 50,000 1.100 1.100 1.250 1.550 1.600 1.750
Great-West Life Not compounded Annually yes 50,000 1.100 1.100 1.250 1.550 1.600 1.750
Great-West Life Not compounded Monthly yes 50,000 1.000 1.000 1.150 1.450 1.500 1.650
Great-West Life Annually At maturity yes 50,000 1.100 1.100 1.250 1.550 1.600 1.750
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 1.250 1.550 1.600 -
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 1.250 1.550 1.600 1.750
Equitable Life Annually At maturity yes 25,000 1.250 2.000 2.050 2.150 2.300 -
Great-West Life Not compounded Annually no 25,000 1.100 1.100 1.250 1.550 1.600 1.750
Great-West Life Not compounded Monthly no 25,000 1.000 1.000 1.150 1.450 1.500 1.650
Great-West Life Annually At maturity no 25,000 1.100 1.100 1.250 1.550 1.600 1.750
Great-West Life Not compounded Annually yes 25,000 1.100 1.100 1.250 1.550 1.600 1.750
Great-West Life Not compounded Monthly yes 25,000 1.000 1.000 1.150 1.450 1.500 1.650
Great-West Life Annually At maturity yes 25,000 1.100 1.100 1.250 1.550 1.600 1.750
Industrial Alliance Not compounded Annually yes 25,000 1.350 2.200 2.250 2.550 1.750 -
Industrial Alliance Annually At maturity yes 25,000 1.350 2.200 2.250 2.550 1.750 -
Kindred Credit Union Annually At maturity no 25,000 1.400 1.650 1.900 2.050 2.150 -
MCAN Mortgage Corp. Annually At maturity no 25,000 1.450 1.850 2.150 2.200 2.250 -
MCAN Mortgage Corp. Not compounded Annually no 25,000 1.450 1.850 2.150 2.200 2.250 -
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 1.550 1.700 1.900 2.050 2.150 -
Your Neighbourhood C.U. Annually At maturity no 20,000 1.550 1.700 1.900 2.050 2.150 -
Rapport Credit Union Annually At maturity no 10,000 1.000 1.100 1.150 1.200 1.700 -
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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 September 23, 2017

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

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