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

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Sorted by: 180 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
Oaken Financial Not compounded At maturity no 1,000 1.900 1.900 1.900 2.000 2.050 2.100
Canadian Western Bank Not compounded At maturity no 5,000 1.594 1.631 1.698 1.762 1.890 1.890
Equity Financial Trust Not compounded At maturity no 10,000 0.350 0.400 1.310 1.310 1.810 1.810
Home Bank - Agent Not compounded At maturity no 5,000 1.200 1.300 1.400 1.550 1.750 1.850
Equitable Bank Not compounded At maturity no 1,000 1.150 1.250 1.350 1.500 1.700 1.800
Home Trust Company-Agent Not compounded At maturity no 5,000 1.150 1.250 1.350 1.500 1.700 1.800
Luminus Financial Not compounded At maturity no 500 1.050 1.200 1.350 1.350 1.450 1.450
Peoples Trust Not compounded At maturity no 1,000 1.300 1.300 1.450 1.450 1.450 1.500
Sun Life - Trust Not compounded At maturity no 1,000 1.100 1.100 1.150 1.150 1.200 1.200
Libro Credit Union Not compounded At maturity no 3,000 1.050 1.050 1.050 1.050 1.150 1.150
Sun Life - Trust Not compounded At maturity yes 1,000 1.000 1.000 1.050 1.050 1.100 1.100
VersaBank (Pac&WestBank) Not compounded At maturity no 5,000 0.750 0.850 0.900 1.050 1.100 1.150
FirstOntario Credit Un. Not compounded At maturity no 5,000 0.950 0.950 0.950 0.950 0.950 0.950
ATB Financial Not compounded At maturity no 1,000 0.200 0.510 0.710 0.760 0.910 0.970
Community Trust Not compounded At maturity yes 50,000 0.500 0.500 0.550 0.600 0.900 0.900
MCAN Mortgage Corp. Not compounded At maturity no 100,000 0.300 0.300 0.700 0.700 0.900 1.100
General Bank of Canada Not compounded At maturity no 10,000 - - 0.750 0.850 0.850 1.000
MCAN Mortgage Corp. Not compounded At maturity no 25,000 0.200 0.200 0.600 0.600 0.800 1.000
Manulife Bank Not compounded At maturity no 100,000 0.550 0.650 0.700 0.700 0.800 0.900
Manulife Bank Not compounded At maturity no 50,000 0.550 0.650 0.700 0.700 0.800 0.900
Manulife Bank Not compounded At maturity no 25,000 0.550 0.650 0.700 0.700 0.800 0.900
Manulife Trust Not compounded At maturity no 25,000 0.550 0.650 0.700 0.700 0.800 0.900
Manulife Trust Not compounded At maturity no 50,000 0.550 0.650 0.700 0.700 0.800 0.900
Manulife Trust Not compounded At maturity no 100,000 0.550 0.650 0.700 0.700 0.800 0.900
Community Trust Not compounded At maturity yes 25,000 0.380 0.380 0.430 0.480 0.780 0.780
PACE Savings & Credit Un Not compounded At maturity no 5,000 0.300 0.500 0.700 0.700 0.750 0.750
MCAN Mortgage Corp. Not compounded At maturity no 10,000 0.100 0.100 0.500 0.500 0.700 0.900
Meridian Credit Union Not compounded At maturity no 500 0.450 0.550 0.650 0.650 0.700 0.800
Canada Life Not compounded At maturity yes 5,000 0.150 0.250 0.350 0.350 0.650 0.650
Coast Capital Savings Not compounded At maturity no 1,000 0.400 0.450 0.550 0.600 0.650 0.750
Community Trust Not compounded At maturity yes 5,000 0.250 0.250 0.300 0.350 0.650 0.650
Canada Life Not compounded Monthly yes 25,000 0.140 0.240 0.340 0.340 0.640 0.640
Canada Life Not compounded Monthly yes 5,000 0.140 0.240 0.340 0.340 0.640 0.640
Canada Life Not compounded Monthly yes 75,000 0.140 0.240 0.340 0.340 0.640 0.640
Empire Life Not compounded At maturity yes 100,000 0.500 0.500 0.500 0.500 0.625 0.625
B2B Bank Not compounded At maturity no 5,000 - - 0.450 0.500 0.600 0.650
B2B Bank Not compounded At maturity no 25,000 0.350 0.400 0.450 0.500 0.600 0.650
Bank of Montreal Not compounded At maturity no 250,000 0.200 0.400 0.500 0.600 0.600 0.650
First Calgary Financial Not compounded At maturity no 5,000 0.200 0.400 0.500 0.550 0.600 0.650
Parama Credit Union Not compounded At maturity yes 500 0.400 0.400 0.500 0.500 0.600 0.600
HSBC Bank Canada Not compounded At maturity no 100,000 0.200 0.350 0.450 0.450 0.550 0.600
HSBC Bank Canada Not compounded At maturity no 5,000 0.200 0.350 0.450 0.450 0.550 0.600
BMO Bank of Montreal Not compounded At maturity yes 10,001 0.100 0.300 0.400 0.500 0.500 0.550
BMO Bank of Montreal Not compounded At maturity yes 100,001 0.100 0.300 0.400 0.500 0.500 0.550
BMO Bank of Montreal Not compounded At maturity yes 30,001 0.100 0.300 0.400 0.500 0.500 0.550
BMO Bank of Montreal Not compounded At maturity yes 20,001 0.100 0.300 0.400 0.500 0.500 0.550
Empire Life Not compounded At maturity yes 50,000 0.375 0.375 0.375 0.375 0.500 0.500
Tangerine Not compounded At maturity no 1 - - 0.500 - 0.500 0.500
Desjardins - Caisses Not compounded At maturity no 500,000 0.100 0.250 0.350 0.400 0.450 0.550
Desjardins - Caisses Not compounded At maturity no 5,000 0.100 0.250 0.350 0.400 0.450 0.550
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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 May 24, 2018

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

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