Long Term (1 to 6 years) GIC Rates for Registered

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GIC Interest Rates

Registered Term Deposits/GICs: 1 to 6 years
Financial Institution Redeem-
able
Redeemable
Term
Minimum
Deposit
Term In Years
1 2 3 4 5 6
Achieva Financial no   1,000 5.3000 5.2500 4.9000 4.8000 4.7000 -
B2B Bank no   1,000 4.9500 4.6000 4.4000 4.2000 4.0500 -
BMO Bank of Montreal no   1,000 4.7500 4.6000 4.2500 4.2500 4.2500 4.2500
  yes   1,000 2.7000 2.7500 3.0000 3.1500 3.4000 -
Bank of Nova Scotia no   500 4.7500 4.1000 4.0000 4.0000 3.9500 -
Bk Nova Scotia Mtg. Corp no   500 4.7500 4.1000 4.0000 4.0000 3.9500 -
CIBC no   500 3.1500 3.2000 3.7500 3.7500 3.7500 -
  yes   500 .2000 .2500 .3500 - - -
Canada Life yes   500 3.7500 4.2000 4.0000 3.8000 3.6000 3.6000
Canadian Western Bank no   500 4.8000 4.4500 4.3000 4.2000 4.0000 -
Coast Capital Savings no   1,000 5.0000 4.9000 5.0000 3.9000 3.9000 -
Comtech Fire Credit U. no   5,000 2.1000 2.6000 2.8500 3.0000 3.2000 -
Desjardins - Caisses no   500 4.6500 4.2500 4.0000 4.0000 4.0000 -
EQ Bank no   100 5.2500 4.9500 4.7500 4.5500 4.4500 3.8000
Effort Trust no   1,000 5.1100 4.8800 4.0000 3.9000 3.7000 -
Empire Life yes   500 4.2500 4.1000 4.1500 4.1500 4.4500 4.0000
Equitable yes   500 4.5500 4.5500 4.4500 4.1000 4.3000 -
Equity Credit Union no   5,000 5.2000 4.7500 4.6500 4.5000 4.3000 -
FirstOntario Credit Un. no   500 4.7500 4.6000 4.3000 4.2500 4.2000 -
HSBC Bank Canada no   500 4.1000 4.0500 3.8500 3.8500 3.8500 -
Home Bank no   1,000 5.2200 4.9400 4.7400 4.5700 4.4500 -
Home Trust no   1,000 5.2200 4.9400 4.7400 4.5700 4.4500 -
Hubert Financial no   1,000 5.5000 5.4000 4.9500 4.8500 4.7500 -
IC Savings no   1,000 5.0000 4.6000 4.1500 4.1500 4.1500 -
Industrial Alliance yes   1,000 4.5000 4.4000 4.1000 4.0000 4.0000 -
Kindred Credit Union no   500 5.0000 4.7500 4.5000 4.4000 4.3000 -
Luminus Financial no   500 4.8000 4.5000 4.3000 4.2000 4.1500 -
MCAN Mortgage Corp. no   5,000 5.2200 4.9500 4.7300 4.5500 4.4300 -
Manulife Bank no   2,500 4.5000 4.4500 4.5000 4.4000 4.3300 -
Manulife Investments yes   2,500 4.5000 4.2000 3.8500 3.7500 3.6000 3.6000
Meridian Credit Union no   500 5.0000 4.6000 4.2500 4.2500 4.2500 -
Motive Financial no   500 5.3000 4.9000 4.6500 4.5000 4.3500 -
Moya Financial C.U no   5,000 5.2500 4.2000 4.1000 4.1000 4.1000 -
National Bank no   500 4.6500 4.3000 4.1000 4.0000 4.0000 -
  yes   500 4.4000 4.0000 3.8000 3.6000 3.5500 -
Oaken Financial no   1,000 5.1500 5.0000 4.5500 4.4000 4.3500 -
Outlook Financial no   1,000 5.3000 5.2500 4.9000 4.8000 4.7000 -
Peace Hills Trust no   5,000 4.8500 4.0500 4.0500 4.0500 4.0500 -
Peoples Trust no   1,000 5.4000 4.7500 4.6500 4.6500 4.5000 -
Rapport Credit Union no   1,000 4.9000 4.9500 4.2000 4.3000 4.3500 -
Royal Bank of Canada no   500 4.0000 4.0000 4.0000 4.0000 3.9500 -
Serenia Life Financial yes   500 4.1500 4.2500 4.0000 3.6500 3.6500 -
Shinhan Bank Canada no   0 .0100 .0100 .0100 .0100 .0100 -
Steinbach Credit Union no   500 5.2000 5.2000 4.8000 4.7000 4.6000 -
Sun Life - Insurance yes   1,000 4.3000 4.4500 4.2000 4.1000 4.1500 -
Sun Life - Trust no   1,000 4.7500 4.7000 4.4000 4.3000 4.2500 -
  yes   1,000 4.2500 4.3500 4.1000 4.0000 3.9500 -
TD Canada Trust no   500 5.0000 4.6000 4.2500 4.2500 4.2500 -
Tandia Financial CU no   500 4.7500 4.7000 4.6000 4.4000 4.2000 -
Tangerine no   1 5.2500 4.2000 4.1000 3.9000 3.8500 -
UV Insurance yes   500 4.4500 4.3500 4.2000 3.9500 3.9000 -
VersaBank no   1,000 5.2400 4.9600 4.7400 4.5500 4.4300 -
Interest not compounded and paid annually.

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.

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