Short Term (30 to 270 days) RRSP Rates

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RRSP Interest Rates

Registered Term Deposits/GICs: 30 to 270 days
Financial Institution Redeem-
able
Redeemable
Term
Minimum
Deposit
Term In Days
30 60 90 120 180 270
*LBC Trust no   5,000 - - .2500 .3000 .4000 .4500
*Laurentian Bk Agent Ser no   5,000 - - .2500 .3000 .4000 .4500
*Laurentian Trust no   5,000 - - .2500 .3000 .4000 .4500
*Sun Life Financial Tr. no   10,000 .0000 .0000 .0000 .0000 .0000 .0000
B2B Bank no   5,000 - - .2500 .3000 .4000 .4500
Bank of Nova Scotia no   2,000 .0500 .1000 .1500 .1500 .1500 .3000
Bk Nova Scotia Mtg. Corp no   2,000 .0500 .1000 .1500 .1500 .1500 .3000
CIBC no   500 - .0500 .0500 .0500 .1000 .1500
  yes   500 - - - - - .1000
Coast Capital Savings no   1,000 .1000 .1500 .2000 .2000 .2500 .3500
Desjardins - Caisses no   5,000 .1000 .1000 .1500 .1500 .2000 .2500
Empire Life yes   500 .2500 - .2500 - .2500 -
Home Bank no   2,500 - - .3500 .4000 .5000 .5500
Home Trust no   2,500 - - .3500 .4000 .5000 .5500
Laurentian Bank Canada no   500 - - .3000 .3000 .4000 .4000
Libro Credit Union no   1,000 .3000 .3000 .3000 .3000 .4000 .4000
Luminus Financial no   500 .0500 .2000 .3500 .3500 .4500 .4500
MCAN Mortgage Corp. no   10,000 .1000 .1000 .1000 .2000 .2000 .3000
Manulife Bank no   25,000 .1000 .1000 .1500 .1500 .2000 .3000
Meridian Credit Union no   500 .4500 .4500 .4500 .4500 .5000 .6000
National Bank no   500 - - .1500 - .2500 -
Oaken Financial no   2,500 - - 1.3000 1.3000 1.3000 1.3500
Peace Hills Trust yes   5,000 .1000 .1000 .1000 .1000 .1250 .1250
Rapport Credit Union no   5,000 .4500 - - - - -
Royal Bank of Canada no   500 .1500 .1500 .1500 .1500 .1500 .1500
TD Canada Trust no   2,000 - - .1000 .1500 .2000 .3000
Tangerine no   1 - - .2000 - .4500 .5000
Interest not compounded 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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