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

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Sorted by: Redeemable 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
ATB Financial Semi-annually At maturity yes 500 0.100 0.100 0.100 0.100 0.100 -
ATB Financial Annually At maturity yes 500 0.350 0.350 0.350 0.350 0.350 -
Alterna Bank Not compounded Annually yes 500 0.550 - - - - -
Alterna Savings Not compounded Annually yes 500 0.550 - - - - -
BMO Bank of Montreal Annually At maturity yes 1,000 0.600 0.800 0.900 1.000 1.250 -
CIBC Annually At maturity yes 500 0.300 0.400 0.600 - - -
Canada Life Annually At maturity yes 25,000 0.375 0.475 0.575 0.975 1.225 1.375
Canada Life Annually At maturity yes 1,000 0.250 0.350 0.450 0.850 1.100 1.250
Canada Life Annually At maturity yes 75,000 0.500 0.600 0.700 1.100 1.350 1.500
Empire Life Annually At maturity yes 50,000 0.775 0.775 0.875 1.025 1.675 1.525
Empire Life Annually At maturity yes 500 0.650 0.650 0.750 0.900 1.550 1.400
Empire Life Annually At maturity yes 100,000 0.900 0.900 1.000 1.150 1.800 1.650
Equitable Life Annually At maturity yes 50,000 0.650 1.000 1.150 1.300 1.500 -
Equitable Life Annually At maturity yes 500 0.650 1.000 1.150 1.300 1.500 -
Equitable Life Annually At maturity yes 25,000 0.650 1.000 1.150 1.300 1.500 -
Great-West Life Not compounded Annually yes 500 0.250 0.350 0.450 0.850 1.100 1.250
Great-West Life Not compounded Annually yes 25,000 0.375 0.475 0.575 0.975 1.225 1.375
Great-West Life Not compounded Annually yes 50,000 0.500 0.600 0.700 1.100 1.350 1.500
Great-West Life Not compounded Monthly yes 500 0.150 0.250 0.350 0.750 1.000 1.150
Great-West Life Not compounded Monthly yes 25,000 0.275 0.375 0.475 0.875 1.125 1.275
Great-West Life Not compounded Monthly yes 50,000 0.400 0.500 0.600 1.000 1.250 1.400
Great-West Life Annually At maturity yes 500 0.250 0.350 0.450 0.850 1.100 1.250
Great-West Life Annually At maturity yes 25,000 0.375 0.475 0.575 0.975 1.225 1.375
Great-West Life Annually At maturity yes 50,000 0.500 0.600 0.700 1.100 1.350 1.500
Hubert Financial Annually At maturity yes 1,000 2.050 - - - - -
ICICI Bank Canada Annually At maturity yes 1,000 1.350 1.550 1.650 1.850 2.050 -
Industrial Alliance Not compounded Annually yes 25,000 1.600 1.850 1.900 2.200 2.000 -
Industrial Alliance Not compounded Annually yes 100,000 1.650 1.900 2.050 2.250 2.050 -
Industrial Alliance Annually At maturity yes 200,000 1.700 1.950 2.100 2.300 2.100 -
Industrial Alliance Annually At maturity yes 1,000 1.450 1.700 1.850 2.050 1.850 -
Industrial Alliance Annually At maturity yes 25,000 1.600 1.850 1.900 2.200 2.000 -
Industrial Alliance Annually At maturity yes 100,000 1.650 1.900 2.050 2.250 2.050 -
Industrial Alliance Not compounded Annually yes 1,000 1.450 1.700 1.850 2.050 1.850 -
Industrial Alliance Not compounded Annually yes 200,000 1.700 1.950 2.100 2.300 2.100 -
Laurentian Bank Canada Not compounded Monthly yes 500 0.250 0.250 0.400 0.550 0.750 -
Laurentian Bank Canada Not compounded Semi-annually yes 500 0.250 0.500 0.650 0.800 1.000 -
Laurentian Bank Canada Not compounded Annually yes 500 - 0.750 0.900 1.050 1.250 -
Laurentian Bank Canada Annually Annually yes 500 - 0.750 0.900 1.050 1.250 -
Laurentian Bank Canada Not compounded At maturity yes 500 0.600 - - - - -
London Life Annually At maturity yes 50,000 0.500 0.600 0.700 1.100 1.350 -
London Life Annually At maturity yes 1,000 0.250 0.350 0.450 0.850 1.100 -
Manulife Investments Annually At maturity yes 2,500 0.400 0.450 0.700 1.000 1.200 1.250
National Bank Annually At maturity yes 500 0.650 0.800 0.900 1.050 1.200 -
Outlook Financial Not compounded Monthly yes 1,000 1.750 1.850 1.950 2.100 2.250 -
Outlook Financial Annually At maturity yes 1,000 1.900 2.000 2.100 2.250 2.400 -
Outlook Financial Not compounded Annually yes 1,000 1.900 2.000 2.100 2.250 2.400 -
Royal Bank of Canada Semi-annually At maturity yes 500 0.650 0.850 0.900 0.950 1.350 -
Sun Life - Insurance Annually At maturity yes 1,000 0.600 0.600 0.700 1.300 1.550 -
Sun Life - Insurance Not compounded Annually yes 1,000 0.600 0.600 0.700 1.300 1.550 -
Sun Life - Trust Annually At maturity yes 1,000 0.600 0.600 0.700 1.300 1.550 -
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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 28, 2016

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

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