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

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Sorted by: 90 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 1.750 1.750 1.800 1.800 1.800 1.800
Peoples Trust Not compounded At maturity no 1,000 1.300 1.300 1.450 1.450 1.450 1.500
General Bank of Canada Not compounded At maturity no 10,000 - - 1.300 1.250 1.450 1.000
Equitable Bank Not compounded At maturity no 1,000 0.950 1.050 1.100 1.200 1.450 1.450
Home Trust Company Not compounded At maturity no 5,000 0.950 1.050 1.100 1.200 1.360 1.360
VersaBank (Pac&WestBank) Not compounded At maturity no 5,000 0.085 1.000 1.100 1.150 1.200 1.250
Equity Financial Trust Not compounded At maturity no 10,000 0.750 0.800 1.010 1.010 1.360 1.360
Comtech Credit Union Not compounded At maturity yes 1,000 - - 1.000 1.000 1.000 1.000
Comtech Credit Union Not compounded At maturity yes 2,500 1.000 1.000 1.000 1.000 1.000 1.000
FirstOntario Credit Un. Not compounded At maturity no 5,000 0.000 0.000 0.950 0.950 0.950 0.950
Your Neighbourhood C.U. Not compounded At maturity no 100,000 0.600 0.700 0.850 0.900 0.900 1.000
Your Neighbourhood C.U. Not compounded At maturity no 20,000 0.550 0.650 0.800 0.850 0.850 0.950
Your Neighbourhood C.U. Not compounded At maturity no 2,500 0.500 0.600 0.750 0.800 0.800 0.900
ATB Financial Not compounded At maturity no 1,000 0.200 0.510 0.710 0.760 0.910 0.970
Libro Credit Union Not compounded At maturity no 3,000 0.700 0.700 0.700 0.700 0.800 0.800
Luminus Financial Not compounded At maturity no 500 0.400 0.550 0.700 0.700 0.800 0.800
MCAN Mortgage Corp. Not compounded At maturity no 100,000 0.300 0.300 0.700 0.700 0.900 1.100
PACE Savings & Credit Un Not compounded At maturity no 5,000 0.300 0.500 0.700 0.700 0.750 0.750
Manulife Bank Not compounded At maturity no 100,000 0.500 0.600 0.650 0.650 0.800 0.900
Manulife Bank Not compounded At maturity no 50,000 0.500 0.600 0.650 0.650 0.800 0.900
Manulife Bank Not compounded At maturity no 25,000 0.500 0.600 0.650 0.650 0.800 0.900
Manulife Trust Not compounded At maturity no 100,000 0.500 0.600 0.650 0.650 0.800 0.900
Manulife Trust Not compounded At maturity no 50,000 0.500 0.600 0.650 0.650 0.800 0.900
Manulife Trust Not compounded At maturity no 25,000 0.500 0.600 0.650 0.650 0.800 0.900
Meridian Credit Union Not compounded At maturity no 500 0.450 0.550 0.650 0.650 0.700 0.800
Canadian Western Bank Not compounded At maturity no 5,000 0.350 0.500 0.600 0.600 0.850 0.850
MCAN Mortgage Corp. Not compounded At maturity no 25,000 0.200 0.200 0.600 0.600 0.800 1.000
Sun Life - Trust Not compounded At maturity no 1,000 0.600 0.600 0.600 0.600 0.600 0.600
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 50,000 0.500 0.500 0.550 0.600 0.900 0.900
Bank of Montreal Not compounded At maturity no 500,000 0.200 0.400 0.500 0.600 0.600 0.650
Bank of Montreal Not compounded At maturity no 5,000 0.200 0.400 0.500 0.600 0.600 0.650
Bank of Montreal Not compounded At maturity no 25,000 0.200 0.400 0.500 0.600 0.600 0.650
Bank of Montreal Not compounded At maturity no 100,000 0.200 0.400 0.500 0.600 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
Empire Life Not compounded At maturity yes 100,000 0.500 0.500 0.500 0.500 0.625 0.625
First Calgary Financial Not compounded At maturity no 5,000 0.200 0.400 0.500 0.550 0.600 0.650
MCAN Mortgage Corp. Not compounded At maturity no 10,000 0.100 0.100 0.500 0.500 0.700 0.900
Parama Credit Union Not compounded At maturity yes 500 0.400 0.400 0.500 0.500 0.600 0.600
Sun Life - Trust Not compounded At maturity yes 1,000 0.500 0.500 0.500 0.500 0.500 0.500
Tangerine Not compounded At maturity no 1 - - 0.500 - 0.500 0.500
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
Royal Bank of Canada Not compounded At maturity no 1,000,000 0.200 0.350 0.450 0.450 0.450 0.500
Royal Bank of Canada Not compounded At maturity no 250,000 0.200 0.350 0.450 0.450 0.450 0.500
Royal Bank of Canada Not compounded At maturity no 100,000 0.200 0.350 0.450 0.450 0.450 0.500
Community Trust Not compounded At maturity yes 25,000 0.375 0.375 0.425 0.475 0.775 0.775
Alterna Bank Not compounded At maturity no 500 0.150 0.300 0.400 0.400 0.500 0.500
Alterna Savings Not compounded At maturity no 500 0.150 0.300 0.400 0.400 0.500 0.500
BMO Bank of Montreal Not compounded At maturity yes 10,001 0.100 0.300 0.400 0.500 0.500 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 July 29, 2016

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

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