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
Empire Life Not compounded Annually yes 100,000 1.400 1.650 1.750 1.850 2.350 1.900
Empire Life Not compounded Monthly yes 50,000 1.025 1.275 1.375 1.475 1.975 1.525
Empire Life Annually At maturity yes 100,000 1.400 1.650 1.750 1.850 2.350 1.900
Empire Life Not compounded Monthly yes 100,000 1.150 1.400 1.500 1.600 2.100 1.650
Empire Life Annually At maturity yes 500 1.150 1.400 1.500 1.600 2.100 1.650
Empire Life Annually At maturity yes 50,000 1.275 1.525 1.625 1.725 2.225 1.775
Equitable Life Annually At maturity yes 50,000 1.200 1.950 2.000 2.050 2.200 2.200
Equitable Life Annually At maturity yes 25,000 1.200 1.950 2.000 2.050 2.200 2.200
Equitable Life Not compounded Annually yes 50,000 1.200 1.950 2.000 2.050 2.200 2.200
Equitable Life Not compounded Annually yes 25,000 1.200 1.950 2.000 2.050 2.200 2.200
Equitable Life Not compounded Annually yes 500 1.200 1.950 2.000 2.050 2.200 2.200
Equitable Life Annually At maturity yes 500 1.200 1.950 2.000 2.050 2.200 2.200
Great-West Life Not compounded Monthly yes 50,000 1.000 1.000 1.200 1.350 1.450 1.500
Great-West Life Annually At maturity yes 500 1.100 1.100 1.300 1.450 1.550 1.600
Great-West Life Annually At maturity yes 25,000 1.100 1.100 1.300 1.450 1.550 1.600
Great-West Life Annually At maturity yes 50,000 1.100 1.100 1.300 1.450 1.550 1.600
Great-West Life Not compounded Annually yes 500 1.100 1.100 1.300 1.450 1.550 1.600
Great-West Life Not compounded Annually yes 25,000 1.100 1.100 1.300 1.450 1.550 1.600
Great-West Life Not compounded Annually yes 50,000 1.100 1.100 1.300 1.450 1.550 1.600
Great-West Life Not compounded Monthly yes 500 1.000 1.000 1.200 1.350 1.450 1.500
Great-West Life Not compounded Monthly yes 25,000 1.000 1.000 1.200 1.350 1.450 1.500
HSBC Bank Canada Not compounded Annually yes 1,000 0.600 0.900 0.950 1.150 1.200 -
HSBC Bank Canada Not compounded Monthly yes 5,000 0.475 0.775 0.825 1.025 1.075 -
Hubert Financial Not compounded Annually yes 1,000 2.250 - - - - -
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 1.350 1.650 2.750 2.850 1.850 -
Industrial Alliance Not compounded Annually yes 200,000 1.350 1.650 2.750 2.850 1.850 -
Industrial Alliance Annually At maturity yes 1,000 1.100 1.400 2.500 2.600 1.600 -
Industrial Alliance Annually At maturity yes 25,000 1.250 1.550 2.650 2.750 1.750 -
Industrial Alliance Annually At maturity yes 100,000 1.300 1.600 2.700 2.800 1.800 -
Industrial Alliance Not compounded Annually yes 25,000 1.250 1.550 2.650 2.750 1.750 -
Industrial Alliance Not compounded Annually yes 1,000 1.100 1.400 2.500 2.600 1.600 -
Industrial Alliance Not compounded Annually yes 100,000 1.300 1.600 2.700 2.800 1.800 -
Laurentian Bank Canada Not compounded Monthly yes 500 0.300 0.250 0.400 0.550 0.750 -
Laurentian Bank Canada Not compounded Semi-annually yes 500 0.300 0.500 0.650 0.800 1.000 -
Laurentian Bank Canada Not compounded Annually yes 500 - 0.800 0.900 1.050 1.250 -
Laurentian Bank Canada Not compounded At maturity yes 500 0.650 0.650 - - - -
Laurentian Bank Canada Annually Annually yes 500 - 0.800 0.900 1.050 1.250 -
London Life Annually At maturity yes 1,000 1.100 1.100 1.300 1.450 1.550 -
London Life Annually At maturity yes 50,000 1.100 1.100 1.300 1.450 1.550 -
Manulife Investments Not compounded Quarterly yes 2,500 0.600 0.850 1.150 1.300 1.400 1.450
Manulife Investments Not compounded Monthly yes 2,500 0.500 0.750 1.050 1.200 1.300 1.350
Manulife Investments Not compounded Semi-annually yes 2,500 0.650 0.900 1.200 1.350 1.450 1.500
Manulife Investments Not compounded Annually yes 2,500 0.750 1.000 1.300 1.450 1.550 1.600
Manulife Investments Annually At maturity yes 2,500 0.750 1.000 1.300 1.450 1.550 1.600
Meridian Credit Union Annually At maturity yes 500 1.000 1.000 1.000 1.000 1.000 -
National Bank Not compounded Semi-annually yes 300,000 0.600 0.750 0.800 0.850 1.050 -
National Bank Not compounded Annually yes 1,000 0.650 0.800 0.850 0.900 1.100 -
National Bank Not compounded Annually yes 5,000 0.650 0.800 0.850 0.900 1.100 -
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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 December 14, 2017

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

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