Savings Rates | GIC/GIA: 30 to 270 days (Registered)

Sorted by: 120 Day Term in descending order (Click on a column heading to sort up or down)
Financial Institution Compound Frequency Payment Frequency Redeemable Minimum Deposit Term in Days
30 60 90 120 180 270
Alterna Bank Not compounded At maturity no 5,000 0.500 0.600 0.750 2.050 0.800 0.800
Alterna Savings Not compounded At maturity no 5,000 0.500 0.600 0.750 2.050 0.800 0.800
Oaken Financial Not compounded At maturity no 2,500 - - 2.000 2.000 2.100 2.150
Home Trust Company Not compounded At maturity no 2,500 - - 1.350 1.450 1.450 1.600
Libro Credit Union Not compounded At maturity no 1,000 1.050 1.050 1.050 1.050 1.150 1.150
ATB Financial Not compounded At maturity no 1,000 0.600 0.750 0.900 1.000 1.100 1.100
Manulife Bank Not compounded At maturity no 100,000 0.750 0.800 1.000 1.000 1.250 1.250
Manulife Bank Not compounded At maturity no 50,000 0.750 0.800 1.000 1.000 1.250 1.250
Manulife Bank Not compounded At maturity no 25,000 0.750 0.800 1.000 1.000 1.250 1.250
MCAN Mortgage Corp. Not compounded At maturity no 100,000 0.300 0.300 0.950 0.950 1.300 1.800
Meridian Credit Union Not compounded At maturity no 2,500 0.650 0.800 0.950 0.950 1.050 1.050
Your Neighbourhood C.U. Not compounded At maturity no 100,000 - - 0.850 0.900 1.000 1.100
MCAN Mortgage Corp. Not compounded At maturity no 25,000 0.200 0.200 0.850 0.850 1.200 1.700
Sun Life - Trust Not compounded At maturity no 1,000 0.850 0.850 0.850 0.850 0.850 0.850
Your Neighbourhood C.U. Not compounded At maturity no 20,000 - - 0.800 0.850 0.950 1.050
Royal Bank of Canada Not compounded At maturity no 500 0.650 0.650 0.800 0.800 0.900 0.900
TD Canada Trust Not compounded At maturity no 2,000 - - 0.750 0.800 0.850 0.900
Your Neighbourhood C.U. Not compounded At maturity no 2,500 - - 0.750 0.800 0.900 1.000
First Calgary Financial Not compounded At maturity no 2,000 0.500 0.500 0.750 0.750 1.000 1.000
MCAN Mortgage Corp. Not compounded At maturity no 10,000 0.100 0.100 0.750 0.750 1.100 1.600
Sun Life - Trust Not compounded At maturity yes 1,000 0.750 0.750 0.750 0.750 0.750 0.750
B2B Bank Not compounded At maturity no 25,000 0.450 0.550 0.650 0.700 0.850 0.850
B2B Bank Not compounded At maturity no 5,000 - - 0.650 0.700 0.850 0.850
Coast Capital Savings Not compounded At maturity no 1,000 0.600 0.650 0.700 0.700 0.750 1.000
Bank of Nova Scotia Not compounded At maturity no 2,000 0.150 0.550 0.600 0.650 0.750 0.850
Bk Nova Scotia Mtg. Corp Not compounded At maturity no 2,000 0.150 0.550 0.600 0.650 0.750 0.850
Caisses Desjardins Not compounded At maturity no 5,000 0.400 - 0.600 0.650 0.800 -
Fiducie Desjardins Not compounded At maturity no 5,000 0.400 0.500 0.600 0.650 0.800 0.800
Laurentian Bank Canada Not compounded At maturity no 500 0.400 0.500 0.500 0.600 0.750 0.800
Laurentienne Trust Not compounded At maturity no 3,000 0.400 0.500 0.500 0.600 0.750 0.800
CIBC Not compounded At maturity no 500 - 0.500 0.500 0.500 0.750 0.800
DUCA Financial Services Not compounded At maturity no 500 - 0.500 0.500 0.500 0.750 1.000
Windsor Family C.U. Not compounded At maturity no 500 0.350 0.350 0.400 0.400 0.450 0.450
Canada Life Not compounded At maturity yes 5,000 0.250 0.250 0.250 0.250 0.300 0.300
Peace Hills Trust Not compounded At maturity yes 1,000 0.200 0.200 0.200 0.200 0.250 0.250
BMO Bank of Montreal Not compounded At maturity no 500 - - - - 1.000 1.000
CIBC Not compounded At maturity yes 500 - - - - - 0.550
DUCA Financial Services Annually At maturity no 500 - - - - 0.750 0.750
Desjardins Fin. Security Not compounded At maturity yes 500 - - 0.500 - 0.500 -
HSBC Bank Canada Annually At maturity no 50,000 - - - - 0.900 0.900
HSBC Bank Canada Annually At maturity no 500 - - - - 0.900 0.900
Manulife Investments Annually At maturity no 2,500 - - - - 0.550 0.550
Manulife Investments Annually At maturity yes 2,500 - - - - 0.300 0.300
National Bank Not compounded At maturity no 500 - - 0.550 - 0.700 -
Ontario Civil Service CU Not compounded At maturity no 10,000 0.700 - - - - -
Ontario Civil Service CU Not compounded At maturity no 20,000 0.850 - - - - -
Ontario Civil Service CU Not compounded At maturity no 40,000 0.850 - - - - -
Ontario Civil Service CU Not compounded At maturity no 100,000 1.100 - - - - -
Ontario Civil Service CU Not compounded At maturity no 5,000 0.600 - - - - -
Ontario Civil Service CU Not compounded At maturity no 60,000 0.850 - - - - -
PACE Savings & Credit Un Annually At maturity no 1,000 - - - - 0.750 -
Standard Life Not compounded At maturity yes 5,000 0.300 - 0.300 - 0.300 0.300
Standard Life Not compounded At maturity yes 25,000 0.300 - 0.300 - 0.300 0.300
Standard Life Not compounded At maturity yes 50,000 0.300 - 0.300 - 0.300 0.300
Standard Life Not compounded At maturity yes 100,000 0.300 - 0.300 - 0.300 0.300
Standard Life Not compounded At maturity yes 250,000 0.300 - 0.300 - 0.300 0.300
Standard Life Not compounded At maturity yes 500,000 0.300 - 0.300 - 0.300 0.300
Tangerine Not compounded At maturity yes 1 - - 1.000 - 1.050 1.250

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 November 22, 2014

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

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