Savings Rates | GIC/GIA: 1 to 6 years (Non-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
Canada Life Annually At maturity yes 25,000 0.275 0.325 0.525 0.675 0.825 0.975
Canada Life Annually At maturity yes 75,000 0.400 0.450 0.650 0.800 0.950 1.100
Canada Life Not compounded Monthly yes 5,000 0.050 0.050 0.150 0.300 0.450 0.600
DUCA Financial Services Annually At maturity yes 500 0.900 1.100 1.300 1.600 1.800 1.800
DUCA Financial Services Not compounded Annually yes 500 0.900 1.100 1.300 1.600 1.800 1.800
DUCA Financial Services Not compounded At maturity yes 500 0.900 1.100 1.300 1.600 1.800 1.800
Empire Life Not compounded Annually yes 100,000 0.900 0.900 1.000 1.150 1.700 1.650
Empire Life Not compounded Monthly yes 5,000 0.400 0.400 0.500 0.650 1.200 1.150
Empire Life Not compounded Monthly yes 50,000 0.525 0.525 0.625 0.775 1.325 1.275
Empire Life Not compounded Monthly yes 100,000 0.650 0.650 0.750 0.900 1.450 1.400
Empire Life Annually At maturity yes 500 0.650 0.650 0.750 0.900 1.450 1.400
Empire Life Annually At maturity yes 50,000 0.775 0.775 0.875 1.025 1.575 1.525
Empire Life Annually At maturity yes 100,000 0.900 0.900 1.000 1.150 1.700 1.650
Empire Life Not compounded Annually yes 500 0.650 0.650 0.750 0.900 1.450 1.400
Empire Life Not compounded Annually yes 50,000 0.775 0.775 0.875 1.025 1.575 1.525
Equitable Life Annually At maturity yes 50,000 0.600 0.950 1.100 1.200 1.350 1.350
Equitable Life Annually At maturity yes 25,000 0.600 0.950 1.100 1.200 1.350 1.350
Equitable Life Annually At maturity yes 500 0.600 0.950 1.100 1.200 1.350 1.350
Equitable Life Not compounded Annually yes 500 0.600 0.950 1.100 1.200 1.350 1.350
Equitable Life Not compounded Annually yes 25,000 0.600 0.950 1.100 1.200 1.350 1.350
Equitable Life Not compounded Annually yes 50,000 0.600 0.950 1.100 1.200 1.350 1.350
Great-West Life Annually At maturity yes 50,000 0.400 0.450 0.650 0.800 0.950 1.100
Great-West Life Not compounded Annually yes 500 0.150 0.200 0.400 0.550 0.700 0.850
Great-West Life Not compounded Annually yes 25,000 0.275 0.325 0.525 0.675 0.825 0.975
Great-West Life Not compounded Annually yes 50,000 0.400 0.450 0.650 0.800 0.950 1.100
Great-West Life Not compounded Monthly yes 500 0.050 0.100 0.300 0.450 0.600 0.750
Great-West Life Not compounded Monthly yes 25,000 0.175 0.225 0.425 0.575 0.725 0.875
Great-West Life Not compounded Monthly yes 50,000 0.300 0.350 0.550 0.700 0.850 1.000
Great-West Life Annually At maturity yes 500 0.150 0.200 0.400 0.550 0.700 0.850
Great-West Life Annually At maturity yes 25,000 0.275 0.325 0.525 0.675 0.825 0.975
HSBC Bank Canada Not compounded Annually yes 1,000 0.450 0.550 0.550 0.700 0.850 -
HSBC Bank Canada Not compounded Monthly yes 5,000 0.325 0.425 0.425 0.575 0.725 -
Hubert Financial Not compounded Annually yes 1,000 2.050 - - - - -
ICICI Bank Canada Not compounded Annually yes 1,000 1.100 1.300 1.400 1.600 1.800 -
ICICI Bank Canada Annually At maturity yes 1,000 1.100 1.300 1.400 1.600 1.800 -
Industrial Alliance Annually At maturity yes 200,000 1.550 1.900 2.100 2.300 2.050 -
Industrial Alliance Not compounded Annually yes 200,000 1.550 1.900 2.100 2.300 2.050 -
Industrial Alliance Annually At maturity yes 1,000 1.300 1.650 1.850 2.050 1.800 -
Industrial Alliance Annually At maturity yes 25,000 1.450 1.800 2.000 2.200 1.950 -
Industrial Alliance Annually At maturity yes 100,000 1.500 1.850 2.050 2.250 2.000 -
Industrial Alliance Not compounded Annually yes 25,000 1.450 1.800 2.000 2.200 1.950 -
Industrial Alliance Not compounded Annually yes 1,000 1.300 1.650 1.850 2.050 1.800 -
Industrial Alliance Not compounded Annually yes 100,000 1.500 1.850 2.050 2.250 2.000 -
Laurentian Bank Canada Annually Annually yes 500 - 0.750 0.900 1.050 1.250 -
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 At maturity yes 500 0.600 - - - - -
Laurentian Bank Canada Not compounded Annually yes 500 - 0.750 0.900 1.050 1.250 -
London Life Annually At maturity yes 50,000 0.400 0.450 0.650 0.800 0.950 -
London Life Annually At maturity yes 1,000 0.150 0.200 0.400 0.550 0.700 -
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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 June 30, 2016

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

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