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

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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
Royal Bank of Canada Not compounded At maturity yes 1,000,000 0.100 0.250 0.350 0.350 0.400 0.400
Royal Bank of Canada Not compounded At maturity no 1,000,000 0.350 0.500 0.600 0.600 0.650 0.650
Bank of Montreal Not compounded At maturity no 500,000 0.250 0.400 - - - 0.650
Standard Life Not compounded At maturity yes 500,000 0.300 - 0.300 - 0.300 0.300
National Bank Not compounded At maturity yes 300,000 0.300 0.300 0.350 0.400 0.500 0.550
National Bank Not compounded At maturity no 300,000 0.400 0.400 0.450 0.500 0.600 0.650
Bank of Montreal Not compounded At maturity no 250,000 0.250 0.400 - - - 0.650
Bank of Nova Scotia Not compounded At maturity no 250,000 0.150 0.400 0.500 0.550 0.600 0.650
Bk Nova Scotia Mtg. Corp Not compounded At maturity no 250,000 0.150 0.400 0.500 0.550 0.600 0.650
CIBC Not compounded At maturity no 250,000 0.150 0.250 0.250 0.300 0.500 0.550
CIBC Not compounded At maturity yes 250,000 0.050 0.050 0.050 0.050 0.250 0.300
Royal Bank of Canada Not compounded At maturity no 250,000 0.350 0.500 0.600 0.600 0.650 0.650
Royal Bank of Canada Not compounded At maturity yes 250,000 0.100 0.250 0.350 0.350 0.400 0.400
Standard Life Not compounded At maturity yes 250,000 0.300 - 0.300 - 0.300 0.300
National Bank Not compounded At maturity no 200,000 0.400 0.400 0.450 0.500 0.600 0.650
National Bank Not compounded At maturity yes 200,000 0.300 0.300 0.350 0.400 0.500 0.550
BMO Bank of Montreal Not compounded At maturity yes 100,001 0.350 0.500 0.600 0.600 0.650 0.750
ATB Financial Not compounded At maturity yes 100,000 0.350 0.500 0.650 0.650 0.750 0.750
Bank of Montreal Not compounded At maturity no 100,000 0.250 0.400 - - - 0.650
Bank of Nova Scotia Not compounded At maturity no 100,000 0.150 0.400 0.500 0.550 0.600 0.650
Bank of Nova Scotia Not compounded At maturity yes 100,000 0.050 0.050 0.050 0.050 0.100 0.100
Bk Nova Scotia Mtg. Corp Not compounded At maturity yes 100,000 0.050 0.050 0.050 0.050 0.100 0.100
Bk Nova Scotia Mtg. Corp Not compounded At maturity no 100,000 0.150 0.400 0.500 0.550 0.600 0.650
CIBC Not compounded At maturity yes 100,000 0.050 0.050 0.050 0.050 0.250 0.300
CIBC Not compounded At maturity no 100,000 0.150 0.250 0.250 0.300 0.500 0.550
Empire Life Not compounded At maturity yes 100,000 0.625 0.625 0.625 0.625 0.750 0.750
HSBC Bank Canada Not compounded At maturity no 100,000 0.200 0.400 0.500 0.550 0.600 0.650
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
Manulife Trust Not compounded At maturity no 100,000 0.500 0.600 0.750 0.750 0.850 0.900
National Bank Not compounded At maturity no 100,000 0.400 0.400 0.450 0.500 0.600 0.650
National Bank Not compounded At maturity yes 100,000 0.300 0.300 0.350 0.400 0.500 0.550
Ontario Civil Service CU Not compounded At maturity no 100,000 0.950 - - - - -
Royal Bank of Canada Not compounded At maturity no 100,000 0.350 0.500 0.600 0.600 0.650 0.650
Royal Bank of Canada Not compounded At maturity yes 100,000 0.100 0.250 0.350 0.350 0.400 0.400
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 0.600 0.700 0.850 0.900 0.900 1.000
Canada Life Not compounded Monthly yes 75,000 0.240 0.240 0.240 0.240 0.290 0.290
Ontario Civil Service CU Not compounded At maturity no 60,000 0.850 - - - - -
Community Trust Not compounded At maturity yes 50,000 0.500 0.500 0.550 0.600 0.900 0.900
Empire Life Not compounded At maturity yes 50,000 0.500 0.500 0.500 0.500 0.625 0.625
London Life Not compounded At maturity yes 50,000 - - - - - 0.750
Manulife Bank Not compounded At maturity no 50,000 0.500 0.600 0.750 0.750 0.850 0.900
Manulife Trust 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 0.700 - - - - -
Ontario Civil Service CU Not compounded At maturity no 30,001 0.700 - - - - -
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 25,000 0.250 0.400 - - - 0.650
Bank of Nova Scotia Not compounded At maturity no 25,000 0.150 0.400 0.500 0.550 0.600 0.650
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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 April 20, 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.