Mid-Term (1 to 6 years) GIC Rates

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GIC Interest Rates

Term Deposits/GICs: 1 to 6 years
Financial Institution Redeem-
able
Redeemable
Term
Minimum
Deposit
Term In Years
1 2 3 4 5 6
*BMO Mortgage Corp. no   1,000 .2500 .5000 .5500 .7500 .8500 1.0000
  cashable 30 days 5,000 .0500 - - - - -
*BMO Trust no   1,000 .2500 .5000 .5500 .7500 .8500 1.0000
  cashable 30 days 5,000 .0500 - - - - -
*Bank of Montreal no   1,000 .2500 .5000 .5500 .7500 .8500 1.0000
  cashable 30 days 5,000 .0500 - - - - -
*Bank of Nova Scotia Agt no   1,000 .5000 .6500 .8000 1.0000 1.4000 -
  cashable 30 days 1,000 .2000 - - - - -
*CT trustee for Vancity no   5,000 .7000 1.0000 1.0500 1.0500 1.1000 -
  cashable 90 days 5,000 .0000 - - - - -
*Canadian Tire Bank Agt. no   5,000 .2500 .5000 .6000 .7000 1.7500 -
*Canadian Western Bank no   5,000 .7300 .9400 1.3800 1.6500 1.6600 -
*Canadian Western Trust no   5,000 .7300 .9400 1.3800 1.6500 1.6600 -
*Coast Capital Svgs Agt. no   5,000 .8000 1.0000 1.3500 1.4000 1.5500 -
  cashable 30 days 5,000 .1500 - - - - -
*Effort Trust no   1,000 .7500 1.0500 1.0500 1.0500 1.0500 -
*FirstOntario CU no   5,000 .7100 .9100 1.0600 1.2600 1.3700 -
*HSBC Bank Canada Agt. S no   5,000 .5000 .6500 .8000 1.0000 1.4000 -
*HSBC Mortgage Corp. Agt no   5,000 .5000 .6500 .8000 1.0000 1.4000 -
*HSBC Trust Agent Servic no   5,000 .5000 .6500 .8000 1.0000 1.4000 -
*ICICI Bank Canada no   1,000 .8000 1.0000 1.1000 1.2500 1.4500 -
*LBC Trust no   1,000 .7600 .9800 1.2000 1.5000 1.7000 -
*Laurentian Bk Agent Ser no   1,000 .7600 .9800 1.2000 1.5000 1.7000 -
*Laurentian Trust no   1,000 .7600 .9800 1.2000 1.5000 1.7000 -
*League Savings & Mort no   5,000 .6000 .7000 1.2500 1.3500 1.4500 -
*Meridian Credit Union no   5,000 .8500 1.1000 1.3800 1.5500 1.5500 -
*Montreal Trust Agt. Ser no   1,000 .5000 .6500 .8000 1.0000 1.4000 -
  cashable 30 days 1,000 .2000 - - - - -
*NatCan Trust Agent Ser. no   1,000 .3500 .5500 .7000 .8500 1.3500 -
  cashable 30 days 5,000 .0500 - - - - -
*National Bank Agent Ser no   1,000 .3500 .5500 .7000 .8500 1.3500 -
  cashable 30 days 5,000 .0500 - - - - -
*National Trust Agent S. no   1,000 .5000 .6500 .8000 1.0000 1.4000 -
  cashable 30 days 1,000 .2000 - - - - -
*Peoples Trust no   5,000 .7500 .8200 .8900 1.4200 1.4900 -
*Royal Bank no   5,000 .5000 .6000 .8000 1.0000 1.4000 -
  cashable 30 days 5,000 .1000 - - - - -
*Scotia Mtge Corp. Agt. no   1,000 .5000 .6500 .8000 1.0000 1.4000 -
*Sun Life Financial Tr. no   5,000 .4000 .6500 .5500 .7500 .8000 -
ADS Canadian Bank no   1,000 .5000 .6500 .8000 1.0000 1.4000 -
  cashable 30 days 1,000 .2000 - - - - -
Achieva Financial no   1,000 1.5000 1.5500 1.5500 1.6000 1.7500 -
Advisor's Advantage Tr. no   1,000 .2500 .5000 .5500 .7500 .8500 1.0000
  cashable 30 days 5,000 .0500 - - - - -
Alterna Bank no   500 1.0000 1.1500 1.1500 1.2000 1.3000 -
Alterna Savings no   500 .5500 .6500 .7500 .8500 .9500 -
  yes   500 .1500 - - - - -
B2B Bank no   1,000 .7600 .9800 1.2000 1.5000 1.7000 -
Bank of Montreal no   1,000 .3500 .5000 .6000 .9000 1.1000 1.2000
Bank of Nova Scotia no   1,000 .4500 .5500 .6000 .7000 .8000 1.0000
  yes   500 .2500 .7500 .8500 1.0000 1.4000 -
  cashable 30 days 1,000 .2000 - - - - -
Bk Nova Scotia Mtg. Corp no   1,000 .4500 .5500 .6000 .7000 .8000 1.0000
  yes   500 .2500 .7500 .8500 1.0000 1.4000 -
  cashable 30 days 1,000 .2000 - - - - -
BlueShore Financial no   10,000 .5000 .7000 .8000 .8500 .9000 -
Bridgewater Bank no   5,000 1.1200 1.3100 1.5100 1.6400 1.9000 -
CIBC yes   1,000 .2000 .2500 .3500 .5500 .7000 .7000
  cashable 30 days 1,000 .4000 - - - - -
CIBC Trust Corp. no   1,000 .3500 .4500 .7500 1.1000 1.3000 1.4000
Canadian Tire Bank no   1,000 .5000 .7500 .8500 .9500 1.8500 -
Canadian Western Bank no   1,000 .6500 .8000 .9000 1.2000 1.4000 -
Canadian Western Trust no   1,000 .6500 .8000 .9000 1.2000 1.4000 -
Coast Capital Savings no   1,000 .7000 .8000 1.0000 1.2000 1.4000 -
  cashable 30 days 1,000 .3500 - - - - -
Community Trust no   5,000 .7100 .9500 1.3000 1.4000 1.5000 -
Comtech Fire Credit U. no   5,000 1.3000 1.4000 1.5000 1.6000 1.7000 -
Concentra Bank no   5,000 .4500 .6000 1.1000 1.4100 1.6600 -
  cashable 30 days 5,000 .3000 - - - - -
Desjardins - Caisses no   1,000 .4000 .5000 .6000 .7500 1.1000 -
  cashable 30 days 1,000 .2500 - - - - -
Duo Bank no   3,500 .3500 .7000 1.2000 1.4100 1.4200 -
EQ Bank no   100 1.3000 1.3000 1.6000 1.8500 2.1000 2.0000
Effort Trust no   1,000 .7500 1.0500 1.0500 1.0500 1.0500 -
Empire Life yes   500 .2500 .2500 .2500 .5000 .8500 .9500
Entegra Credit Union no   1,000 1.4000 1.4500 1.5000 1.5500 1.6500 -
Equitable Bank no   1,000 .8000 1.0400 1.4000 1.6800 1.9000 1.7500
Equitable Bank cashable 30 days 1,000 .2500 - - - - -
Equitable Life yes   500 .3500 .6000 .9500 .9500 1.2500 1.3000
Equitable Trust no   1,000 .8000 1.0400 1.4000 1.6800 1.9000 1.7500
  cashable 30 days 1,000 .2500 - - - - -
Equity Credit Union no   5,000 1.5000 1.5500 1.8000 2.0000 1.7000 -
First West Credit Union no   5,000 .6500 .9000 1.0000 1.0500 1.1000 -
  cashable 90 days 5,000 .1500 - - - - -
FirstOntario Credit Un. no   500 .8500 1.1500 1.3000 1.3500 1.4500 -
General Bank of Canada no   5,000 .8000 1.0100 1.3900 1.6500 1.8600 -
HSBC Bank Canada no   500 .4000 .5000 .7000 .9000 1.2000 -
  yes   500 .2500 .4000 .4500 .7500 1.0000 -
  cashable 90 days 500 .3000 - - - - -
Haventree Bank no   5,000 .8200 .7000 .8000 .7000 .8000 -
Home Bank no   5,000 .8200 1.0500 1.4000 1.6800 1.9000 -
  cashable 30 days 5,000 .1500 - - - - -
Home Bank cashable 90 days 5,000 .2500 - - - - -
Home Equity Bank no   5,000 .7600 1.0200 1.4000 1.6600 1.8600 -
Home Trust no   5,000 .8200 1.0500 1.4000 1.6800 1.9000 -
  cashable 30 days 5,000 .1500 - - - - -
Home Trust cashable 90 days 5,000 .2500 - - - - -
Hubert Financial no   1,000 1.3000 1.4000 1.5000 1.6000 1.7000 -
IC Savings no   1,000 .7500 1.0500 1.2000 1.2500 1.4500 -
  cashable 30 days 1,000 .2500 - - - - -
Industrial Alliance yes   1,000 .7000 .9000 1.1000 .5500 .8000 -
Innovation Credit Union no   1,000 .1500 .3000 .3500 .5000 .7000 -
  cashable 90 days 1,000 .1000 - - - - -
KEB Hana Bank Canada no   3,500 .2500 .4500 .5000 .5500 .6000 -
Kindred Credit Union no   500 .9000 1.0000 1.1000 1.2000 1.3000 -
Laurentian Bank Canada no   500 - .5500 .8000 .8000 1.2000 1.2000
League Svgs & Mortgage no   25,000 .6000 .7000 .8000 .9000 1.0000 -
Libro Credit Union no   500 .8000 .9500 1.1000 1.2000 1.3000 -
Luminus Financial no   500 .8500 1.0000 1.1000 1.1500 1.2000 -
MCAN Mortgage Corp. no   5,000 1.0500 1.3000 1.5500 1.8000 2.0000 -
Manulife Bank no   2,500 .6000 .8500 1.0500 1.4000 1.6000 -
Manulife Trust no   2,500 .6000 .8500 1.0500 1.4000 1.6000 -
Meridian Credit Union no   100 .8500 1.1500 1.3000 1.3500 1.4500 -
Motive Financial no   1,000 1.3000 1.4000 1.4500 1.6500 1.7500 -
National Bank no   1,000 .4000 .5000 .7500 .7000 1.1500 -
  yes   1,000 .1500 .2000 .4500 .3000 .6500 -
Oaken Financial no   1,000 1.4000 1.5000 1.6000 1.9000 2.1000 -
  cashable 30 days 1,000 .5000 - - - - -
Oaken Financial cashable 90 days 1,000 .5000 - - - - -
Outlook Financial no   1,000 1.1500 1.3500 1.4500 1.5500 1.7000 -
Parama Credit Union no   1,000 1.2500 1.3500 1.4500 1.5500 1.6500 -
  yes   500 1.0000 1.0000 1.0000 1.0000 1.0000 -
  cashable 30 days 1,000 .9000 - - - - -
Peace Hills Trust no   5,000 .5500 .7000 .8000 1.2000 1.3500 -
Peoples Trust no   1,000 1.5500 1.6000 1.6000 1.6500 1.8000 -
President's Choice Bank no   500 .7000 1.0500 1.2000 1.7000 1.7000 -
RFA Bank of Canada no   5,000 .7000 .8200 1.0000 1.2000 1.2000 -
  cashable 90 days 5,000 .5000 - - - - -
Rapport Credit Union no   1,000 .8500 1.1500 1.3000 1.3500 1.4500 -
Royal Bank of Canada no   1,000 .1500 .4000 .5000 .7500 .9500 -
  yes   1,000 .1000 .2500 .3500 .5500 .7000 -
SBI Canada Bank no   1,000 .7000 .9000 1.0000 1.3500 1.5500 -
Shinhan Bank Canada no   5,000 .8000 1.0200 .7600 .8600 .9600 -
Simplii Financial no   100 .5000 .7000 1.0000 1.2000 1.3000 -
Sun Life - Insurance yes   1,000 .7500 .8500 .9000 1.2000 1.5000 -
T-D Mortgage no   1,000 .4000 .5000 .6000 .7000 1.4000 -
TD Canada Trust no   1,000 .4000 .5000 .6000 .7000 1.4000 -
  cashable 30 days 500 .2000 - - - - -
Tangerine no   1 .6500 .7500 1.0500 1.2500 1.4500 -
VersaBank no   1,000 .8000 1.0300 1.3900 1.6600 1.7500 -
Wealth One Bank Canada no   1,000 1.4000 1.5500 1.6500 1.7000 1.9000 -
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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