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

Sorted by: Minimum Deposit 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
Standard Life Not compounded At maturity yes 500,000 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
MCAN Mortgage Corp. Not compounded At maturity no 100,000 0.300 0.300 0.700 0.700 1.050 1.300
Manulife Bank Not compounded At maturity no 100,000 0.500 0.600 0.750 0.750 0.850 0.900
Ontario Civil Service CU Not compounded At maturity no 100,000 1.100 - - - - -
Standard Life Not compounded At maturity yes 100,000 0.300 - 0.300 - 0.300 0.300
Your Neighbourhood C.U. Not compounded At maturity no 100,000 - - 0.850 0.900 0.900 1.000
Ontario Civil Service CU Not compounded At maturity no 60,000 0.850 - - - - -
HSBC Bank Canada Annually At maturity no 50,000 - - - - 0.700 0.700
Manulife Bank Not compounded At maturity no 50,000 0.500 0.600 0.750 0.750 0.850 0.900
Standard Life Not compounded At maturity yes 50,000 0.300 - 0.300 - 0.300 0.300
Ontario Civil Service CU Not compounded At maturity no 40,000 0.850 - - - - -
B2B Bank Not compounded At maturity no 25,000 0.350 0.400 0.450 0.500 0.600 0.650
MCAN Mortgage Corp. Not compounded At maturity no 25,000 0.200 0.200 0.600 0.600 0.950 1.200
Manulife Bank Not compounded At maturity no 25,000 0.500 0.600 0.750 0.750 0.850 0.900
Standard Life Not compounded At maturity yes 25,000 0.300 - 0.300 - 0.300 0.300
Ontario Civil Service CU Not compounded At maturity no 20,000 0.850 - - - - -
Your Neighbourhood C.U. Not compounded At maturity no 20,000 - - 0.800 0.850 0.850 0.950
MCAN Mortgage Corp. Not compounded At maturity no 10,000 0.100 0.100 0.500 0.500 0.850 1.100
Ontario Civil Service CU Not compounded At maturity no 10,000 0.700 - - - - -
Alterna Bank Not compounded At maturity no 5,000 0.200 0.400 0.500 0.550 0.600 0.650
Alterna Savings Not compounded At maturity no 5,000 0.200 0.400 0.500 0.550 0.600 0.650
B2B Bank Not compounded At maturity no 5,000 - - 0.450 0.500 0.600 0.650
Caisses Desjardins Not compounded At maturity no 5,000 0.400 0.400 0.500 0.500 0.600 0.650
Canada Life Not compounded At maturity yes 5,000 0.250 0.250 0.250 0.250 0.300 0.300
Fiducie Desjardins Not compounded At maturity no 5,000 0.400 0.400 0.500 0.500 0.600 0.650
Ontario Civil Service CU Not compounded At maturity no 5,000 0.600 - - - - -
Standard Life Not compounded At maturity yes 5,000 0.300 - 0.300 - 0.300 0.300
Home Trust Company Not compounded At maturity no 2,500 - - 1.200 1.300 1.300 1.350
Manulife Investments Annually At maturity yes 2,500 - - - - 0.300 0.300
Manulife Investments Annually At maturity no 2,500 - - - - 0.550 0.550
Oaken Financial Not compounded At maturity no 2,500 - - 1.800 1.800 1.800 1.800
Your Neighbourhood C.U. Not compounded At maturity no 2,500 - - 0.750 0.800 0.800 0.900
Bank of Nova Scotia Not compounded At maturity no 2,000 0.150 0.400 0.500 0.550 0.600 0.650
Bk Nova Scotia Mtg. Corp Not compounded At maturity no 2,000 0.150 0.400 0.500 0.550 0.600 0.650
First Calgary Financial Not compounded At maturity no 2,000 0.200 0.400 0.500 0.550 0.600 0.650
TD Canada Trust Not compounded At maturity no 2,000 - - 0.500 0.550 0.600 0.650
ATB Financial Not compounded At maturity no 1,000 0.300 0.500 0.650 0.750 0.850 0.900
BMO Bank of Montreal Not compounded At maturity no 1,000 - - - - 0.650 0.650
Coast Capital Savings Not compounded At maturity no 1,000 0.400 0.450 0.550 0.600 0.650 0.950
Libro Credit Union Not compounded At maturity no 1,000 0.900 0.900 0.900 0.900 1.000 1.000
PACE Savings & Credit Un Annually At maturity no 1,000 - - - - 0.750 -
Peace Hills Trust Not compounded At maturity yes 1,000 0.100 0.100 0.100 0.100 0.125 0.125
Sun Life - Trust Not compounded At maturity yes 1,000 0.600 0.600 0.600 0.600 0.600 0.600
Sun Life - Trust Not compounded At maturity no 1,000 0.700 0.700 0.700 0.700 0.700 0.700
CIBC Not compounded At maturity yes 500 - - - - - 0.300
CIBC Not compounded At maturity no 500 - 0.250 0.250 0.250 0.500 0.550
DUCA Financial Services Annually At maturity no 500 - - - - 0.750 0.750
DUCA Financial Services Not compounded At maturity no 500 - 0.500 0.500 0.500 0.750 1.000
HSBC Bank Canada Annually At maturity no 500 - - - - 0.700 0.700
Laurentian Bank Canada Not compounded At maturity no 500 0.150 0.250 0.250 0.350 0.500 0.550
Meridian Credit Union Not compounded At maturity no 500 0.550 0.650 0.750 0.750 0.800 0.900
National Bank Not compounded At maturity no 500 - - 0.450 - 0.600 -
Royal Bank of Canada Not compounded At maturity no 500 0.400 0.400 0.500 0.500 0.550 0.550
Windsor Family C.U. Not compounded At maturity no 500 0.350 0.350 0.400 0.400 0.450 0.450
Tangerine Not compounded At maturity yes 1 - - 0.750 - 0.750 0.750

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 March 30, 2015

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

© Copyright 2007 CANNEX Financial Exchanges Limited. All rights reserved.