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

Sorted by: Payment Frequency 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
ATB Financial Not compounded At maturity no 1,000 0.300 0.500 0.650 0.650 0.750 0.750
Alterna Bank Not compounded At maturity no 500 0.200 0.300 0.400 0.450 1.200 0.550
Alterna Savings Not compounded At maturity no 500 0.200 0.300 0.400 0.450 1.200 0.550
B2B Bank Not compounded At maturity no 25,000 0.350 0.400 0.450 0.500 0.600 0.650
B2B Bank Not compounded At maturity no 5,000 - - 0.450 0.500 0.600 0.650
Bank of Nova Scotia Not compounded At maturity no 2,000 0.050 0.150 0.250 0.300 0.350 0.400
Bk Nova Scotia Mtg. Corp Not compounded At maturity no 2,000 0.050 0.150 0.250 0.300 0.350 0.400
CIBC Not compounded At maturity no 500 - 0.250 0.250 0.250 0.350 0.400
CIBC Not compounded At maturity yes 500 - - - - - 0.150
Caisses Desjardins Not compounded At maturity no 5,000 0.100 0.250 0.350 0.400 0.450 0.550
Canada Life Not compounded At maturity yes 10,000 0.250 - 0.250 0.250 0.300 0.300
Coast Capital Savings Not compounded At maturity no 1,000 0.400 0.450 0.550 0.600 0.650 0.750
DUCA Financial Services Annually At maturity no 500 - - - - 0.600 0.600
DUCA Financial Services Not compounded At maturity no 500 - 0.400 0.400 0.400 0.600 0.800
Fiducie Desjardins Not compounded At maturity no 5,000 0.100 0.250 0.350 0.400 0.450 0.550
First Calgary Financial Not compounded At maturity no 2,000 0.200 0.400 0.500 0.550 0.600 0.650
HSBC Bank Canada Annually At maturity no 500 - - - - 0.550 0.550
HSBC Bank Canada Annually At maturity no 50,000 - - - - 0.550 0.550
Home Trust Company Not compounded At maturity no 2,500 - - 1.150 1.250 1.300 1.350
Laurentian Bank Canada Not compounded At maturity no 500 0.150 0.250 0.250 0.350 0.500 0.550
Libro Credit Union Not compounded At maturity no 1,000 0.800 0.800 0.800 0.800 0.900 0.900
MCAN Mortgage Corp. Not compounded At maturity no 25,000 0.200 0.200 0.600 0.600 0.950 1.300
MCAN Mortgage Corp. Not compounded At maturity no 10,000 0.100 0.100 0.500 0.500 0.850 1.200
MCAN Mortgage Corp. Not compounded At maturity no 100,000 0.300 0.300 0.700 0.700 1.050 1.400
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 25,000 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 Investments Annually At maturity no 2,500 - - - - 0.550 0.550
Manulife Investments Annually At maturity yes 2,500 - - - - 0.300 0.300
Meridian Credit Union Not compounded At maturity no 500 0.450 0.550 0.650 0.650 0.700 0.800
National Bank Not compounded At maturity no 500 - - 0.350 - 0.500 -
Oaken Financial Not compounded At maturity no 2,500 - - 1.800 1.800 1.800 1.800
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
Rapport Credit Union Not compounded At maturity no 100,000 0.950 - - - - -
Rapport Credit Union Not compounded At maturity no 60,000 0.850 - - - - -
Rapport Credit Union Not compounded At maturity no 40,000 0.700 - - - - -
Rapport Credit Union Not compounded At maturity no 20,000 0.700 - - - - -
Rapport Credit Union Not compounded At maturity no 10,000 0.600 - - - - -
Rapport Credit Union Not compounded At maturity no 5,000 0.500 - - - - -
Royal Bank of Canada Not compounded At maturity no 500 0.250 0.250 0.350 0.350 0.450 0.400
Sun Life - Trust Not compounded At maturity yes 1,000 0.500 0.500 0.500 0.500 0.500 0.500
Sun Life - Trust Not compounded At maturity no 1,000 0.600 0.600 0.600 0.600 0.600 0.600
TD Canada Trust Not compounded At maturity no 2,000 - - 0.250 0.300 0.350 0.400
Tangerine Not compounded At maturity yes 1 - - 0.500 - 0.500 0.500
Windsor Family C.U. Not compounded At maturity no 500 0.200 0.200 0.250 0.250 0.400 0.400
Your Neighbourhood C.U. Not compounded At maturity no 2,500 - - 0.750 0.800 0.800 0.900
Your Neighbourhood C.U. Not compounded At maturity no 20,000 - - 0.800 0.850 0.850 0.950
Your Neighbourhood C.U. Not compounded At maturity no 100,000 - - 0.850 0.900 0.900 1.000

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 September 05, 2015

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

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