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	0.950	0.950	1.300	1.400
Manulife Bank	Not compounded	At maturity	no	100,000	0.500	0.650	0.750	0.750	0.800	0.950
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	-	-	0.750	0.800	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	-	-	-	-	0.900	0.900
Manulife Bank	Not compounded	At maturity	no	50,000	0.500	0.650	0.750	0.750	0.800	0.950
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	0.450	0.550	0.650	0.700	0.850	0.850
MCAN Mortgage Corp.	Not compounded	At maturity	no	25,000	0.200	0.200	0.850	0.850	1.200	1.300
Manulife Bank	Not compounded	At maturity	no	25,000	0.500	0.650	0.750	0.750	0.800	0.950
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	-	-	0.700	0.750	0.850	0.950
MCAN Mortgage Corp.	Not compounded	At maturity	no	10,000	0.100	0.100	0.750	0.750	1.100	1.200
Ontario Civil Service CU	Not compounded	At maturity	no	10,000	0.700	-	-	-	-	-
Alterna Bank	Not compounded	At maturity	no	5,000	0.500	0.600	0.750	0.750	0.800	0.800
Alterna Savings	Not compounded	At maturity	no	5,000	0.500	0.600	0.750	0.750	0.800	0.800
B2B Bank	Not compounded	At maturity	no	5,000	-	-	0.650	0.700	0.850	0.850
Caisses Desjardins	Not compounded	At maturity	no	5,000	0.400	0.500	0.600	0.650	0.800	0.800
Canada Life	Not compounded	At maturity	yes	5,000	0.250	0.300	0.325	0.325	0.400	0.400
Fiducie Desjardins	Not compounded	At maturity	no	5,000	0.400	0.500	0.600	0.650	0.800	0.800
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
Laurentienne Trust	Not compounded	At maturity	no	3,000	0.400	0.500	0.500	0.650	0.800	0.850
Home Trust Company	Not compounded	At maturity	no	2,500	-	-	1.350	1.400	1.500	1.600
Manulife Investments	Annually	At maturity	yes	2,500	-	-	-	-	0.300	0.300
Manulife Investments	Annually	At maturity	no	2,500	-	-	-	-	0.550	0.550
Your Neighbourhood C.U.	Not compounded	At maturity	no	2,500	-	-	0.650	0.700	0.800	0.900
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
First Calgary Financial	Not compounded	At maturity	no	2,000	0.500	0.500	0.750	0.750	1.000	1.000
TD Canada Trust	Not compounded	At maturity	no	2,000	-	-	0.750	0.800	0.850	0.900
ATB Financial	Not compounded	At maturity	no	1,000	0.650	0.800	0.950	0.950	1.050	1.050
Coast Capital Savings	Not compounded	At maturity	no	1,000	0.600	0.650	0.700	0.700	0.750	1.000
Libro Financial Group	Not compounded	At maturity	no	1,000	0.800	0.800	0.800	0.800	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	0.200	0.200	0.200	0.200	0.250	0.250
Sun Life - Trust	Not compounded	At maturity	yes	1,000	0.650	0.800	0.900	0.900	1.150	1.150
Sun Life - Trust	Not compounded	At maturity	no	1,000	0.750	0.900	1.000	1.000	1.250	1.250
Teachers Credit Union	Not compounded	At maturity	no	1,000	-	-	0.500	0.500	0.700	0.800
BMO Bank of Montreal	Not compounded	At maturity	no	500	-	-	-	-	1.000	1.000
Boomerang Credit Union	Annually	At maturity	no	500	0.850	0.850	0.850	-	-	-
CIBC	Not compounded	At maturity	yes	500	-	-	-	-	-	0.550
CIBC	Not compounded	At maturity	no	500	-	0.500	0.500	0.500	0.750	0.800
DUCA Financial Services	Annually	At maturity	no	500	-	-	-	-	1.000	1.000
DUCA Financial Services	Not compounded	At maturity	no	500	-	0.500	0.500	0.500	1.000	1.000
Desjardins Fin. Security	Not compounded	At maturity	yes	500	-	-	0.500	-	0.500	-
HSBC Bank Canada	Annually	At maturity	no	500	-	-	-	-	0.900	0.900
Laurentian Bank Canada	Not compounded	At maturity	no	500	0.400	0.500	0.500	0.650	0.800	0.850
National Bank	Not compounded	At maturity	no	500	-	-	0.550	-	0.700	-
Royal Bank of Canada	Not compounded	At maturity	no	500	0.650	0.650	0.800	0.800	0.900	0.900
Windsor Family C.U.	Not compounded	At maturity	no	500	0.350	0.350	0.400	0.400	0.450	0.450
ING Direct	Not compounded	At maturity	yes	1	-	-	1.000	-	1.000	1.350

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).