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	0.650	0.800	0.950	0.950	1.050	1.050
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	25,000	0.450	0.550	0.650	0.700	0.850	0.850
B2B Bank	Not compounded	At maturity	no	5,000	-	-	0.650	0.700	0.850	0.850
BMO Bank of Montreal	Not compounded	At maturity	no	500	-	-	-	-	1.000	1.000
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
Boomerang Credit Union	Annually	At maturity	no	500	0.850	0.850	0.850	-	-	-
CIBC	Not compounded	At maturity	yes	500	-	-	-	-	-	0.550
-	Not compounded	At maturity	no	500	-	0.500	0.500	0.500	0.750	0.800
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
Coast Capital Savings	Not compounded	At maturity	no	1,000	0.600	0.650	0.700	0.700	0.750	1.000
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	-
Fiducie Desjardins	Not compounded	At maturity	no	5,000	0.400	0.500	0.600	0.650	0.800	0.800
First Calgary Financial	Not compounded	At maturity	no	2,000	0.500	0.500	0.750	0.750	1.000	1.000
HSBC Bank Canada	Annually	At maturity	no	50,000	-	-	-	-	0.900	0.900
HSBC Bank Canada	Annually	At maturity	no	500	-	-	-	-	0.900	0.900
Home Trust Company	Not compounded	At maturity	no	2,500	-	-	1.350	1.400	1.500	1.600
ING Direct	Not compounded	At maturity	yes	1	-	-	1.000	-	1.000	1.350
Laurentian Bank Canada	Not compounded	At maturity	no	500	0.400	0.500	0.500	0.650	0.800	0.850
Laurentienne Trust	Not compounded	At maturity	no	3,000	0.400	0.500	0.500	0.650	0.800	0.850
Libro Financial Group	Not compounded	At maturity	no	1,000	0.800	0.800	0.800	0.800	1.000	1.000
MCAN Mortgage Corp.	Not compounded	At maturity	no	100,000	0.300	0.300	0.950	0.950	1.300	1.400
MCAN Mortgage Corp.	Not compounded	At maturity	no	25,000	0.200	0.200	0.850	0.850	1.200	1.300
MCAN Mortgage Corp.	Not compounded	At maturity	no	10,000	0.100	0.100	0.750	0.750	1.100	1.200
Manulife Bank	Not compounded	At maturity	no	50,000	0.500	0.650	0.750	0.750	0.800	0.950
Manulife Bank	Not compounded	At maturity	no	100,000	0.500	0.650	0.750	0.750	0.800	0.950
Manulife Bank	Not compounded	At maturity	no	25,000	0.500	0.650	0.750	0.750	0.800	0.950
Manulife Investments	Annually	At maturity	yes	2,500	-	-	-	-	0.300	0.300
Manulife Investments	Annually	At maturity	no	2,500	-	-	-	-	0.550	0.550
National Bank	Not compounded	At maturity	no	500	-	-	0.550	-	0.700	-
Ontario Civil Service CU	Not compounded	At maturity	no	60,000	0.850	-	-	-	-	-
Ontario Civil Service CU	Not compounded	At maturity	no	100,000	1.100	-	-	-	-	-
Ontario Civil Service CU	Not compounded	At maturity	no	40,000	0.850	-	-	-	-	-
Ontario Civil Service CU	Not compounded	At maturity	no	5,000	0.600	-	-	-	-	-
Ontario Civil Service CU	Not compounded	At maturity	no	20,000	0.850	-	-	-	-	-
Ontario Civil Service CU	Not compounded	At maturity	no	10,000	0.700	-	-	-	-	-
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
Royal Bank of Canada	Not compounded	At maturity	no	500	0.650	0.650	0.800	0.800	0.900	0.900
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
Standard Life	Not compounded	At maturity	yes	100,000	0.300	-	0.300	-	0.300	0.300
Standard Life	Not compounded	At maturity	yes	50,000	0.300	-	0.300	-	0.300	0.300
Standard Life	Not compounded	At maturity	yes	25,000	0.300	-	0.300	-	0.300	0.300
Standard Life	Not compounded	At maturity	yes	5,000	0.300	-	0.300	-	0.300	0.300

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).