Mid-Term (1 to 6 years) RRSP Rates

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RRSP 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
*Canadian Western Trust no   5,000 .5000 .5200 .5500 .7500 .8500 -
*Coast Capital Svgs Agt. no   5,000 .8000 1.0000 1.0500 1.2500 1.4500 -
  cashable 90 days 5,000 .1500 - - - - -
*Effort Trust no   1,000 .3000 .6000 .7000 .8000 .9000 -
*HSBC Bank Canada Agt. S no   5,000 .2500 .5000 .5000 .7000 .8000 -
*HSBC Mortgage Corp. Agt no   5,000 .2500 .5000 .5000 .7000 .8000 -
*HSBC Trust Agent Servic no   5,000 .2500 .5000 .5000 .7000 .8000 -
*ICICI Bank Canada no   1,000 .8000 1.0000 1.2000 1.3500 1.5500 -
*LBC Trust no   1,000 .6000 .8000 .8500 1.0000 1.1500 -
*Laurentian Bk Agent Ser no   1,000 .6000 .8000 .8500 1.0000 1.1500 -
*Laurentian Trust no   1,000 .6000 .8000 .8500 1.0000 1.1500 -
*Peoples Trust no   5,000 .4000 .4500 .5000 .5500 .6000 -
*Sun Life Financial Tr. no   5,000 .5500 .5500 .4000 .5000 .5500 -
Achieva Financial no   1,000 1.5000 1.5500 1.5500 1.6000 1.7500 -
B2B Bank no   1,000 .6000 .8000 .8500 1.0000 1.1500 -
BMO Bank of Montreal no   1,000 .4000 .5000 .6000 .7000 .8000 .9000
  yes   1,000 .3000 .4000 .5000 .6000 .7000 -
Bank of Nova Scotia no   500 .4500 .5500 .6000 .7000 .8000 -
Bk Nova Scotia Mtg. Corp no   500 .4500 .5500 .6000 .7000 .8000 -
CIBC no   500 .3500 .5000 .6000 .8000 1.0000 -
  yes   500 .2000 .2500 .3500 - - -
Canada Life yes   500 .1000 .2500 .4500 .6000 .4000 .5500
Canadian Western Bank no   500 .6000 .8000 .9000 1.0000 1.1000 -
Coast Capital Savings no   1,000 .8000 1.2000 .9000 1.0000 1.0500 -
Comtech Fire Credit U. no   5,000 1.3000 1.4000 1.5000 1.6000 1.7000 -
Desjardins - Caisses no   500 .4500 .5500 .6500 .8000 .9000 -
Desjardins - Fiducie no   500 .4000 .5000 .6000 .7500 .8500 -
EQ Bank no   100 1.5000 1.0500 1.1500 1.2500 1.5000 1.6000
Effort Trust no   1,000 .3000 .6000 .7000 .8000 .9000 -
Empire Life yes   500 .2500 .2500 .3500 .6500 .9500 .8000
Entegra Credit Union no   1,000 1.1000 1.2000 1.3000 1.4500 1.6000 -
Equitable Life yes   500 .3500 .7000 .8000 .8500 1.1000 -
FirstOntario Credit Un. no   500 .8500 1.1500 1.3000 1.3500 1.4500 -
HSBC Bank Canada no   500 .4500 .5000 .6000 .7500 .8500 -
Home Bank no   5,000 .7500 .9700 1.1900 1.3600 1.5800 -
Home Trust no   5,000 .7500 .9700 1.1900 1.3600 1.5800 -
Hubert Financial no   1,000 1.3000 1.4000 1.5000 1.6000 1.7000 -
Industrial Alliance yes   1,000 .4500 .8500 1.0000 .5500 .7000 -
Kindred Credit Union no   500 .9000 1.0000 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 .8000 1.0500 1.2500 1.4000 1.6000 -
Manulife Bank no   2,500 .5000 .6500 .8500 1.0000 1.2500 -
Manulife Investments yes   2,500 .4500 .5500 .6500 .6500 .8000 .8000
Meridian Credit Union no   500 .8500 1.1500 1.3000 1.3500 1.4500 -
Motive Financial no   500 1.4000 1.6000 1.6500 1.7500 1.9000 -
National Bank no   500 .4000 .5000 .6000 .7000 .8500 -
  yes   500 .1500 .2000 .3000 .3000 .4000 -
Oaken Financial no   1,000 1.4000 1.5000 1.6000 1.7000 1.8000 -
Outlook Financial no   1,000 1.1500 1.2500 1.3500 1.4500 1.6000 -
Parama Credit Union no   1,000 1.2500 1.3500 1.4500 1.5500 1.6500 -
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 -
Rapport Credit Union no   1,000 .8500 1.1500 1.3000 1.3500 1.4500 -
Royal Bank of Canada no   500 .1500 .4000 .5000 .7500 .9500 -
Shinhan Bank Canada no   0 .7000 .6600 .7600 .8600 1.5600 -
Simplii Financial no   100 .5000 .5500 .7000 .9000 1.1000 -
Sun Life - Insurance yes   1,000 .7500 .8000 .8500 1.0500 1.2500 -
TD Canada Trust no   500 .4000 .5000 .6000 .7000 .8500 -
Tangerine no   1 .6500 .7500 .8000 1.0000 1.1000 -
VersaBank no   1,000 .5600 .7100 1.1600 1.3200 1.4600 -
Interest compounded annually and paid at maturity.

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).

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