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

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
Canada Life	Not compounded	Annually	yes	1,000	0.650	0.750	0.900	0.950	1.050	1.450
DUCA Financial Services	Not compounded	At maturity	yes	500	1.100	1.200	1.300	1.500	1.800	1.800
DUCA Financial Services	Not compounded	Annually	yes	500	1.100	1.200	1.300	1.500	1.800	1.800
DUCA Financial Services	Annually	At maturity	yes	500	1.100	1.200	1.300	1.500	1.800	1.800
Desjardins Fin. Security	Not compounded	Annually	yes	500	1.050	1.050	1.250	1.500	1.700	-
Desjardins Fin. Security	Annually	At maturity	yes	500	1.050	1.050	1.250	1.500	1.700	-
Empire Life	Not compounded	Monthly	yes	100,000	1.100	1.350	1.475	1.600	1.850	1.850
Empire Life	Annually	At maturity	yes	500	1.100	1.350	1.475	1.600	1.850	1.850
Empire Life	Annually	At maturity	yes	50,000	1.225	1.475	1.600	1.725	1.975	1.975
Empire Life	Annually	At maturity	yes	100,000	1.350	1.600	1.725	1.850	2.100	2.100
Empire Life	Not compounded	Monthly	yes	50,000	0.975	1.225	1.350	1.475	1.725	1.725
Empire Life	Not compounded	Monthly	yes	5,000	0.850	1.100	1.225	1.350	1.600	1.600
Empire Life	Not compounded	Annually	yes	100,000	1.350	1.600	1.725	1.850	2.100	2.100
Empire Life	Not compounded	Annually	yes	50,000	1.225	1.475	1.600	1.725	1.975	1.975
Empire Life	Not compounded	Annually	yes	500	1.100	1.350	1.475	1.600	1.850	1.850
Equitable Life	Not compounded	Annually	yes	25,000	1.050	1.450	1.575	1.750	2.000	1.900
Equitable Life	Not compounded	Annually	yes	50,000	1.175	1.575	1.700	1.875	2.125	2.025
Equitable Life	Annually	At maturity	yes	500	1.050	1.450	1.575	1.750	2.000	1.900
Equitable Life	Annually	At maturity	yes	25,000	1.050	1.450	1.575	1.750	2.000	1.900
Equitable Life	Annually	At maturity	yes	50,000	1.175	1.575	1.700	1.875	2.125	2.025
Equitable Life	Not compounded	Annually	yes	500	1.050	1.450	1.575	1.750	2.000	1.900
Foresters	Annually	At maturity	yes	1,000	0.050	0.050	0.200	0.450	0.600	-
Foresters	Annually	At maturity	yes	10,000	0.050	0.200	0.400	0.650	0.800	-
Foresters	Annually	At maturity	yes	50,000	0.250	0.400	0.600	0.850	1.000	-
Foresters	Annually	At maturity	yes	25,000	0.150	0.300	0.500	0.750	0.900	-
Great-West Life	Annually	At maturity	yes	50,000	1.150	1.250	1.400	1.450	1.550	1.950
Great-West Life	Not compounded	Annually	yes	500	0.900	1.000	1.150	1.200	1.300	1.700
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	Annually	yes	50,000	1.150	1.250	1.400	1.450	1.550	1.950
Great-West Life	Not compounded	Monthly	yes	500	0.400	0.500	0.650	0.700	0.800	1.200
Great-West Life	Not compounded	Monthly	yes	25,000	0.525	0.625	0.775	0.825	0.925	1.325
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	500	0.900	1.000	1.150	1.200	1.300	1.700
Great-West Life	Annually	At maturity	yes	25,000	1.025	1.125	1.275	1.325	1.425	1.825
HSBC Bank Canada	Not compounded	Monthly	yes	5,000	0.725	0.875	0.975	1.225	1.575	-
HSBC Bank Canada	Not compounded	Annually	yes	1,000	0.850	1.000	1.100	1.350	1.700	-
Hubert Financial	Not compounded	Annually	yes	1,000	-	2.250	2.450	2.600	2.850	-
Hubert Financial	Quarterly	Quarterly	yes	1,000	2.450	-	-	-	-	-
ICICI Bank Canada	Annually	At maturity	yes	1,000	1.550	1.850	2.100	2.350	2.650	-
ICICI Bank Canada	Not compounded	Annually	yes	1,000	1.550	1.850	2.100	2.350	2.650	-
ING Direct	Not compounded	Annually	yes	1	1.350	1.750	2.000	2.000	2.250	-
ING Direct	Annually	At maturity	yes	1	1.350	1.750	2.000	2.000	2.250	-
Industrial Alliance	Annually	At maturity	yes	1,000	0.800	1.200	1.400	1.550	1.800	-
Industrial Alliance	Annually	At maturity	yes	25,000	0.950	1.350	1.550	1.700	1.950	-
Industrial Alliance	Annually	At maturity	yes	100,000	1.000	1.400	1.600	1.750	2.000	-
Industrial Alliance	Not compounded	Annually	yes	200,000	1.050	1.450	1.650	1.800	2.050	-
Industrial Alliance	Not compounded	Annually	yes	100,000	1.000	1.400	1.600	1.750	2.000	-
Industrial Alliance	Annually	At maturity	yes	200,000	1.050	1.450	1.650	1.800	2.050	-
Industrial Alliance	Not compounded	Annually	yes	1,000	0.800	1.200	1.400	1.550	1.800	-
Industrial Alliance	Not compounded	Annually	yes	25,000	0.950	1.350	1.550	1.700	1.950	-

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).