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 100,000 0.350 0.500 0.650 0.650 0.750 0.750
ATB Financial Not compounded At maturity yes 1,000 0.350 0.500 0.650 0.650 0.750 0.750
BMO Bank of Montreal Not compounded At maturity yes 100,001 0.350 0.500 0.650 0.650 0.750 0.750
BMO Bank of Montreal Not compounded At maturity yes 10,001 0.350 0.500 0.650 0.650 0.750 0.750
BMO Bank of Montreal Not compounded At maturity yes 20,001 0.350 0.500 0.650 0.650 0.750 0.750
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
Bank of Nova Scotia Not compounded At maturity yes 5,000 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
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 1,000 0.050 0.050 0.050 0.050 0.100 0.100
CIBC Not compounded At maturity yes 5,000 0.150 0.250 0.250 0.300 0.500 0.550
CIBC Not compounded At maturity yes 1,000 - 0.250 0.250 0.300 0.500 0.550
CIBC Not compounded At maturity yes 250,000 0.150 0.250 0.250 0.300 0.500 0.550
CIBC Not compounded At maturity yes 100,000 0.150 0.250 0.250 0.300 0.500 0.550
Canada Life Not compounded At maturity yes 5,000 0.250 0.250 0.250 0.250 0.300 0.300
Canada Life Not compounded Monthly yes 75,000 0.240 0.240 0.240 0.240 0.290 0.290
Canada Life Not compounded Monthly yes 25,000 0.240 0.240 0.240 0.240 0.290 0.290
Canada Life Not compounded Monthly yes 5,000 0.240 0.240 0.240 0.240 0.290 0.290
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 50,000 0.500 0.500 0.550 0.600 0.900 0.900
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 25,000 0.375 0.375 0.425 0.475 0.775 0.775
Comtech Credit Union Not compounded At maturity yes 2,500 1.000 1.000 1.000 1.000 1.000 1.000
Comtech Credit Union Not compounded At maturity yes 1,000 - - 1.000 1.000 1.000 1.000
DUCA Financial Services Not compounded At maturity yes 500 0.400 0.400 0.500 0.500 0.600 0.750
Desjardins Fin. Security Not compounded At maturity yes 500 - - 0.500 - 0.500 -
HSBC Bank Canada Not compounded At maturity yes 5,000 0.350 0.550 0.550 0.550 0.750 0.750
Laurentian Bank Canada Not compounded At maturity yes 3,000 0.150 0.250 0.250 0.350 0.500 0.550
London Life Not compounded At maturity yes 50,000 - - - - - 0.750
London Life Not compounded At maturity yes 1,000 - - - - - 0.500
Manulife Investments Annually At maturity yes 2,500 - - - - 0.300 0.300
Manulife Investments Not compounded Monthly yes 2,500 - - - - 0.050 0.050
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
Meridian Credit Union Not compounded At maturity yes 2,500 0.250 0.400 0.550 0.550 0.650 0.650
National Bank Not compounded At maturity yes 300,000 0.300 0.400 0.450 0.500 0.600 0.650
National Bank Not compounded At maturity yes 5,000 0.300 0.400 0.450 0.500 0.600 0.650
National Bank Not compounded At maturity yes 100,000 0.300 0.400 0.450 0.500 0.600 0.650
National Bank Not compounded At maturity yes 200,000 0.300 0.400 0.450 0.500 0.600 0.650
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 0.350 0.500 0.650 0.650 0.750 0.750
Royal Bank of Canada Not compounded At maturity yes 5,000 0.250 0.400 0.550 0.550 0.650 0.650
Royal Bank of Canada Not compounded At maturity yes 100,000 0.350 0.500 0.650 0.650 0.750 0.750
Royal Bank of Canada Not compounded At maturity yes 250,000 0.350 0.500 0.650 0.650 0.750 0.750
Standard Life Not compounded At maturity yes 25,000 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 5,000 0.300 - 0.300 - 0.300 0.300
Standard Life Not compounded At maturity yes 500,000 0.300 - 0.300 - 0.300 0.300
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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 July 30, 2014

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

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