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

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Sorted by: Redeemable 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 yes 1,000 0.350 0.350 0.350 0.350 0.350 0.350
ATB Financial Not compounded At maturity yes 100,000 0.350 0.350 0.350 0.350 0.350 0.350
BMO Bank of Montreal Not compounded At maturity yes 10,001 0.100 0.300 0.400 0.500 0.500 0.550
BMO Bank of Montreal Not compounded At maturity yes 100,001 0.100 0.300 0.400 0.500 0.500 0.550
BMO Bank of Montreal Not compounded At maturity yes 30,001 0.100 0.300 0.400 0.500 0.500 0.550
BMO Bank of Montreal Not compounded At maturity yes 20,001 0.100 0.300 0.400 0.500 0.500 0.550
Bank of Nova Scotia Not compounded At maturity yes 5,000 0.050 0.050 0.050 0.050 0.100 0.100
Bank of Nova Scotia Not compounded At maturity yes 1,000 0.050 0.050 0.050 0.050 0.100 0.100
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 1,000 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 yes 5,000 0.050 0.050 0.050 0.050 0.100 0.100
CIBC Not compounded At maturity yes 1,000 - 0.050 0.050 0.050 0.100 0.150
CIBC Not compounded At maturity yes 5,000 0.050 0.050 0.050 0.050 0.100 0.150
CIBC Not compounded At maturity yes 100,000 0.050 0.050 0.050 0.050 0.100 0.150
CIBC Not compounded At maturity yes 250,000 0.050 0.050 0.050 0.050 0.100 0.150
Canada Life Not compounded Monthly yes 25,000 0.140 0.240 0.340 0.340 0.640 0.640
Canada Life Not compounded At maturity yes 5,000 0.150 0.250 0.350 0.350 0.650 0.650
Canada Life Not compounded Monthly yes 5,000 0.140 0.240 0.340 0.340 0.640 0.640
Canada Life Not compounded Monthly yes 75,000 0.140 0.240 0.340 0.340 0.640 0.640
Canadian Western Trust Not compounded At maturity yes 5,000 0.200 0.200 0.200 0.200 0.250 0.250
Community Trust Not compounded At maturity yes 25,000 0.380 0.380 0.430 0.480 0.780 0.780
Community Trust Not compounded At maturity yes 5,000 0.250 0.250 0.300 0.350 0.650 0.650
Community Trust Not compounded At maturity yes 50,000 0.500 0.500 0.550 0.600 0.900 0.900
Comtech Credit Union Not compounded At maturity yes 1,000 - - 0.150 0.150 0.200 0.200
Comtech Credit Union Not compounded At maturity yes 2,500 0.150 0.150 0.150 0.150 0.200 0.200
Empire Life Not compounded At maturity yes 100,000 0.500 0.500 0.500 0.500 0.625 0.625
Empire Life Not compounded At maturity yes 500 0.250 0.250 0.250 0.250 0.375 0.375
Empire Life Not compounded At maturity yes 50,000 0.375 0.375 0.375 0.375 0.500 0.500
HSBC Bank Canada Not compounded At maturity yes 5,000 0.150 0.200 0.200 0.250 0.400 0.400
London Life Not compounded At maturity yes 1,000 - - - - - 1.050
London Life Not compounded At maturity yes 50,000 - - - - - 1.050
Manulife Investments Annually At maturity yes 2,500 - - - - 0.300 0.300
Manulife Investments Not compounded Quarterly yes 2,500 - - - - 0.150 0.150
Manulife Investments Not compounded Semi-annually yes 2,500 - - - - 0.200 0.200
Manulife Investments Not compounded Annually yes 2,500 - - - - 0.300 0.300
Manulife Investments Not compounded Monthly yes 2,500 - - - - 0.050 0.050
Meridian Credit Union Not compounded At maturity yes 2,500 0.050 0.150 0.250 0.250 0.300 0.400
National Bank Not compounded At maturity yes 300,000 0.150 0.100 0.250 0.200 0.350 0.400
National Bank Not compounded At maturity yes 5,000 0.150 0.100 0.250 0.200 0.350 0.400
National Bank Not compounded At maturity yes 100,000 0.150 0.100 0.250 0.200 0.350 0.400
National Bank Not compounded At maturity yes 200,000 0.150 0.100 0.250 0.200 0.350 0.400
Parama Credit Union Not compounded At maturity yes 500 0.400 0.400 0.500 0.500 0.600 0.600
Royal Bank of Canada Not compounded At maturity yes 1,000,000 0.001 0.100 0.200 0.200 0.200 0.250
Royal Bank of Canada Not compounded At maturity yes 100,000 0.001 0.100 0.200 0.200 0.200 0.250
Royal Bank of Canada Not compounded At maturity yes 5,000 0.001 0.001 0.100 0.100 0.200 0.250
Royal Bank of Canada Not compounded At maturity yes 250,000 0.001 0.100 0.200 0.200 0.200 0.250
Sun Life - Trust Not compounded At maturity yes 1,000 0.950 0.950 1.000 1.000 1.050 1.050
TD Canada Trust Not compounded At maturity yes 5,000 0.050 0.050 0.100 0.150 0.200 0.200
ATB Financial Not compounded At maturity no 1,000 0.200 0.510 0.710 0.760 0.910 0.970
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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 24, 2018

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

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