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Savings Rates | GIC/GIA: 1 to 6 years (Non-Registered)
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| Financial Institution | Compound Frequency | Payment Frequency | Redeemable | Minimum Deposit | Term in Years | |||||
| 1 | 2 | 3 | 4 | 5 | 6 | |||||
| AGF Trust | Not compounded | Semi-annually | no | 5,000 | 1.200 | 1.500 | 1.600 | 1.800 | 1.950 | - |
|---|---|---|---|---|---|---|---|---|---|---|
| MonCana Bank of Canada | Annually | Semi-annually | no | 1,000 | 1.375 | 1.475 | 1.575 | 1.875 | 2.025 | - |
| B2B Bank | Not compounded | Semi-annually | no | 1,000 | 1.200 | 1.500 | 1.600 | 1.800 | 1.950 | - |
| BMO Bank of Montreal | Not compounded | Semi-annually | yes | 10,001 | 0.750 | 0.900 | 1.100 | 1.350 | 1.700 | - |
| BMO Bank of Montreal | Not compounded | Semi-annually | yes | 1,000 | 0.750 | 0.900 | 1.100 | 1.350 | 1.700 | - |
| BMO Bank of Montreal | Not compounded | Semi-annually | yes | 20,001 | 0.750 | 0.900 | 1.100 | 1.350 | 1.700 | - |
| BMO Bank of Montreal | Not compounded | Semi-annually | yes | 100,001 | 0.750 | 0.900 | 1.100 | 1.350 | 1.700 | - |
| BMO Bank of Montreal | Not compounded | Semi-annually | yes | 30,001 | 0.750 | 0.900 | 1.100 | 1.350 | 1.700 | - |
| Bank of Montreal | Not compounded | Semi-annually | no | 1,000 | 0.875 | 1.025 | 1.225 | 1.475 | 1.825 | 1.825 |
| Bank of Montreal | Not compounded | Semi-annually | no | 100,000 | 0.875 | 1.025 | 1.225 | 1.475 | 1.825 | 1.825 |
| Bank of Montreal | Not compounded | Semi-annually | no | 250,000 | 0.875 | 1.025 | 1.225 | 1.475 | 1.825 | 1.825 |
| Bank of Nova Scotia | Not compounded | Semi-annually | yes | 100,000 | 0.125 | 0.625 | 0.725 | 0.875 | 1.275 | - |
| Bank of Nova Scotia | Not compounded | Semi-annually | yes | 5,000 | 0.125 | 0.625 | 0.725 | 0.875 | 1.275 | - |
| Bank of Nova Scotia | Not compounded | Semi-annually | yes | 1,000 | 0.125 | 0.625 | 0.725 | 0.875 | 1.275 | - |
| 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 | Semi-annually | no | 100,000 | 0.775 | 0.975 | 1.125 | 1.275 | 1.625 | 1.625 |
| Bank of Nova Scotia | Not compounded | Semi-annually | no | 25,000 | 0.775 | 0.975 | 1.125 | 1.275 | 1.625 | 1.625 |
| Bank of Nova Scotia | Not compounded | Semi-annually | no | 5,000 | 0.775 | 0.975 | 1.125 | 1.275 | 1.625 | 1.625 |
| Bank of Nova Scotia | Not compounded | Semi-annually | no | 1,000 | 0.775 | 0.975 | 1.125 | 1.275 | 1.625 | 1.625 |
| Bk Nova Scotia Mtg. Corp | Not compounded | Semi-annually | yes | 1,000 | 0.125 | 0.625 | 0.725 | 0.875 | 1.275 | - |
| Bk Nova Scotia Mtg. Corp | Not compounded | Semi-annually | yes | 5,000 | 0.125 | 0.625 | 0.725 | 0.875 | 1.275 | - |
| Bk Nova Scotia Mtg. Corp | Not compounded | Semi-annually | yes | 100,000 | 0.125 | 0.625 | 0.725 | 0.875 | 1.275 | - |
| Bk Nova Scotia Mtg. Corp | Not compounded | Semi-annually | no | 1,000 | 0.775 | 0.975 | 1.125 | 1.275 | 1.625 | 1.625 |
| Bk Nova Scotia Mtg. Corp | Not compounded | Semi-annually | no | 5,000 | 0.775 | 0.975 | 1.125 | 1.275 | 1.625 | 1.625 |
| Bk Nova Scotia Mtg. Corp | Not compounded | Semi-annually | no | 25,000 | 0.775 | 0.975 | 1.125 | 1.275 | 1.625 | 1.625 |
| Bk Nova Scotia Mtg. Corp | Not compounded | Semi-annually | no | 100,000 | 0.775 | 0.975 | 1.125 | 1.275 | 1.625 | 1.625 |
| Bk Nova Scotia Mtg. Corp | Not compounded | Semi-annually | no | 250,000 | 0.775 | 0.975 | 1.125 | 1.275 | 1.625 | 1.625 |
| CIBC | Not compounded | Semi-annually | yes | 5,000 | 0.525 | 0.725 | 0.875 | 1.025 | 1.375 | 1.375 |
| CIBC | Not compounded | Semi-annually | yes | 100,000 | 0.525 | 0.725 | 0.875 | 1.025 | 1.375 | 1.375 |
| CIBC | Not compounded | Semi-annually | yes | 250,000 | 0.525 | 0.725 | 0.875 | 1.025 | 1.375 | 1.375 |
| CIBC | Not compounded | Semi-annually | yes | 1,000 | 0.525 | 0.725 | 0.875 | 1.025 | 1.375 | 1.375 |
| CIBC Trust Corp. | Not compounded | Semi-annually | no | 1,000 | 0.775 | 0.975 | 1.125 | 1.275 | 1.625 | 1.625 |
| CIBC Trust Corp. | Not compounded | Semi-annually | no | 5,000 | 0.775 | 0.975 | 1.125 | 1.275 | 1.625 | 1.625 |
| CIBC Trust Corp. | Not compounded | Semi-annually | no | 100,000 | 0.775 | 0.975 | 1.125 | 1.275 | 1.625 | 1.625 |
| CIBC Trust Corp. | Not compounded | Semi-annually | no | 250,000 | 0.775 | 0.975 | 1.125 | 1.275 | 1.625 | 1.625 |
| Caisses Desjardins | Not compounded | Semi-annually | yes | 1,000 | 0.900 | 0.750 | 0.900 | 1.150 | 1.400 | - |
| Caisses Desjardins | Not compounded | Semi-annually | no | 1,000 | 0.800 | 1.000 | 1.150 | 1.400 | 1.650 | - |
| Community Trust | Not compounded | Semi-annually | no | 5,000 | 1.200 | 1.400 | 1.500 | 1.600 | 1.750 | - |
| Concentra Financial | Not compounded | Semi-annually | no | 5,000 | 0.900 | 1.050 | 1.150 | 1.350 | 1.750 | - |
| Effort Trust | Not compounded | Semi-annually | no | 5,000 | 1.600 | 1.750 | 1.900 | 2.050 | 2.200 | - |
| Equitable Trust | Not compounded | Semi-annually | no | 5,000 | 1.300 | 1.600 | 1.700 | 2.060 | 2.160 | - |
| Fiducie Desjardins | Not compounded | Semi-annually | no | 1,000 | 0.800 | 1.000 | 1.150 | 1.400 | 1.650 | - |
| First Calgary Financial | Not compounded | Semi-annually | no | 1,000 | 1.230 | 1.630 | 1.680 | 1.730 | 1.980 | - |
| HSBC Bank Canada | Not compounded | Semi-annually | no | 1,000 | 1.025 | 1.125 | 1.225 | 1.475 | 1.825 | - |
| HSBC Bank Canada | Not compounded | Semi-annually | no | 100,000 | 1.025 | 1.125 | 1.225 | 1.475 | 1.825 | - |
| HomEquity Bank | Not compounded | Semi-annually | no | 5,000 | 1.350 | 1.500 | 1.650 | 1.850 | 2.100 | - |
| Home Trust Company | Not compounded | Semi-annually | no | 5,000 | 1.600 | 1.700 | 1.800 | 1.950 | 2.050 | - |
| Laurentian Bank Canada | Not compounded | Semi-annually | yes | 500 | 0.300 | 0.600 | 0.750 | 0.950 | 1.250 | - |
| Laurentian Bank Canada | Not compounded | Semi-annually | no | 500 | 0.650 | 0.850 | 1.000 | 1.200 | 1.500 | - |
| Laurentienne Trust | Not compounded | Semi-annually | no | 500 | 0.650 | 0.850 | 1.000 | 1.200 | 1.500 | - |
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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 May 22, 2013
This information is current as of the date and time posted and is subject to change without notice.
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