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 0.550 0.600 0.750 0.900 1.250 -
ATB Financial Annually At maturity yes 500 0.650 0.850 1.000 1.150 1.500 -
Alterna Bank Not compounded Annually yes 500 0.800 - - - - -
Alterna Savings Not compounded Annually yes 500 0.800 - - - - -
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 1,000 0.550 0.550 0.550 0.700 0.900 1.100
Canada Life Annually At maturity yes 25,000 0.675 0.675 0.675 0.825 1.025 1.225
Canada Life Annually At maturity yes 75,000 0.800 0.800 0.800 0.950 1.150 1.350
Empire Life Annually At maturity yes 100,000 0.850 0.850 0.875 1.125 1.375 1.500
Empire Life Annually At maturity yes 500 0.600 0.600 0.625 0.875 1.125 1.250
Empire Life Annually At maturity yes 50,000 0.725 0.725 0.750 1.000 1.250 1.375
Equitable Life Annually At maturity yes 25,000 0.900 0.950 0.950 1.100 1.300 -
Equitable Life Annually At maturity yes 50,000 0.900 0.950 0.950 1.100 1.300 -
Equitable Life Annually At maturity yes 500 0.900 0.950 0.950 1.100 1.300 -
Great-West Life Not compounded Annually yes 500 0.550 0.550 0.550 0.700 0.900 1.100
Great-West Life Not compounded Annually yes 25,000 0.675 0.675 0.675 0.825 1.025 1.225
Great-West Life Not compounded Annually yes 50,000 0.800 0.800 0.800 0.950 1.150 1.350
Great-West Life Not compounded Monthly yes 500 0.050 0.050 0.050 0.200 0.400 0.600
Great-West Life Not compounded Monthly yes 25,000 0.175 0.175 0.175 0.325 0.525 0.725
Great-West Life Not compounded Monthly yes 50,000 0.300 0.300 0.300 0.450 0.650 0.850
Great-West Life Annually At maturity yes 500 0.550 0.550 0.550 0.700 0.900 1.100
Great-West Life Annually At maturity yes 25,000 0.675 0.675 0.675 0.825 1.025 1.225
Great-West Life Annually At maturity yes 50,000 0.800 0.800 0.800 0.950 1.150 1.350
Hubert Financial Annually At maturity yes 1,000 2.050 2.100 2.200 2.350 2.500 -
ICICI Bank Canada Annually At maturity yes 1,000 1.450 1.550 1.750 1.950 2.150 -
Industrial Alliance Not compounded Annually yes 25,000 0.700 1.300 1.350 1.700 1.700 -
Industrial Alliance Not compounded Annually yes 100,000 0.750 1.350 1.400 1.750 1.750 -
Industrial Alliance Annually At maturity yes 200,000 0.800 1.400 1.450 1.800 1.800 -
Industrial Alliance Annually At maturity yes 1,000 0.550 1.150 1.200 1.550 1.550 -
Industrial Alliance Annually At maturity yes 25,000 0.700 1.300 1.350 1.700 1.700 -
Industrial Alliance Annually At maturity yes 100,000 0.750 1.350 1.400 1.750 1.750 -
Industrial Alliance Not compounded Annually yes 1,000 0.550 1.150 1.200 1.550 1.550 -
Industrial Alliance Not compounded Annually yes 200,000 0.800 1.400 1.450 1.800 1.800 -
Laurentian Bank Canada Not compounded Annually yes 500 0.650 0.750 0.900 1.050 1.250 -
Laurentian Bank Canada Annually At maturity yes 500 0.650 0.750 0.900 1.050 1.250 -
London Life Annually At maturity yes 1,000 0.550 0.550 0.550 0.700 0.900 -
London Life Annually At maturity yes 50,000 0.800 0.800 0.800 0.950 1.150 -
MAXA Financial Not compounded Annually yes 500 2.000 2.100 2.200 2.350 2.500 -
Manulife Investments Annually At maturity yes 2,500 0.400 0.450 0.650 0.900 1.150 1.150
National Bank Annually At maturity yes 500 0.600 0.800 0.850 1.000 1.200 -
Outlook Financial Annually At maturity yes 1,000 2.000 2.100 2.200 2.350 2.500 -
Outlook Financial Not compounded Annually yes 1,000 2.000 2.100 2.200 2.350 2.500 -
Outlook Financial Not compounded Monthly yes 1,000 1.850 1.950 2.050 2.200 2.350 -
Royal Bank of Canada Semi-annually At maturity yes 500 0.600 0.750 0.800 0.950 1.250 -
Sun Life - Insurance Not compounded Annually yes 1,000 0.500 0.550 0.600 1.350 1.750 -
Sun Life - Insurance Annually At maturity yes 1,000 0.500 0.550 0.600 1.350 1.750 -
Sun Life - Trust Not compounded Annually yes 1,000 0.500 0.550 0.600 1.350 1.750 -
Sun Life - Trust Annually At maturity yes 1,000 0.500 0.550 0.600 1.350 1.750 -
Tangerine Annually At maturity yes 1 1.200 1.350 1.500 1.600 1.900 -
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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 July 31, 2015

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

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