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 20,001 0.100 0.300 0.400 0.500 0.500 0.550
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 30,001 0.100 0.300 0.400 0.500 0.500 0.550
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
Bank of Nova Scotia 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 1,000 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
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
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 1,000 - 0.050 0.050 0.050 0.100 0.150
Canada Life Not compounded At maturity yes 5,000 0.250 0.250 0.250 0.250 0.250 0.250
Canada Life Not compounded Monthly yes 5,000 0.240 0.240 0.240 0.240 0.240 0.240
Canada Life Not compounded Monthly yes 25,000 0.240 0.240 0.240 0.240 0.240 0.240
Canada Life Not compounded Monthly yes 75,000 0.240 0.240 0.240 0.240 0.240 0.240
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 25,000 0.375 0.375 0.425 0.475 0.775 0.775
Community Trust Not compounded At maturity yes 5,000 0.250 0.250 0.300 0.350 0.650 0.650
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 0.250 0.250 0.300 0.300 0.400 0.600
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 50,000 0.375 0.375 0.375 0.375 0.500 0.500
Empire Life Not compounded At maturity yes 500 0.250 0.250 0.250 0.250 0.375 0.375
HSBC Bank Canada Not compounded At maturity yes 5,000 0.050 0.100 0.100 0.150 0.300 0.300
Laurentian Bank Canada Not compounded At maturity yes 500 0.000 0.000 0.000 0.100 0.250 0.300
London Life Not compounded At maturity yes 1,000 - - - - - 0.250
London Life Not compounded At maturity yes 50,000 - - - - - 0.500
Manulife Investments Not compounded Monthly yes 2,500 - - - - 0.050 0.050
Manulife Investments Annually At maturity yes 2,500 - - - - 0.300 0.300
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 Quarterly yes 2,500 - - - - 0.150 0.150
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 0.200 0.200 0.250 0.300 0.400 0.450
National Bank Not compounded At maturity yes 5,000 0.200 0.200 0.250 0.300 0.400 0.450
National Bank Not compounded At maturity yes 100,000 0.200 0.200 0.250 0.300 0.400 0.450
National Bank Not compounded At maturity yes 200,000 0.200 0.200 0.250 0.300 0.400 0.450
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 0.150
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 0.500 0.500 0.500 0.500 0.500 0.500
TD Canada Trust Not compounded At maturity yes 5,000 0.050 0.050 0.100 0.150 0.200 0.200
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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 May 26, 2016

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

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