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Short Term Rates

Registered 30-270 days | 1-6 years  Non-registered 30-270 days | 1-6 years

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Registered Term Deposits/GICs: 30 to 270 days (Non-Broker)
Sorted by: Financial Institution  in ascending order   (Click on a column heading to sort up or down)
Financial Institution Compound Frequency Payment Frequency Redeemable Min. Deposit Term in Days
30 60 90 120 180 270
ATB Financial Not compounded At maturity no 1,000 0.200 0.510 0.710 0.760 0.910 0.970
B2B Bank Not compounded At maturity no 5,000 - - 0.450 0.500 0.600 0.650
B2B Bank Not compounded At maturity no 25,000 0.350 0.400 0.450 0.500 0.600 0.650
Bank of Nova Scotia Not compounded At maturity no 2,000 0.050 0.150 0.250 0.300 0.350 0.400
Bk Nova Scotia Mtg. Corp Not compounded At maturity no 2,000 0.050 0.150 0.250 0.300 0.350 0.400
CIBC Not compounded At maturity no 500 - 0.250 0.250 0.250 0.350 0.400
CIBC Not compounded At maturity yes 500 - - - - - 0.150
Canada Life Not compounded At maturity yes 5,000 0.150 0.250 0.350 0.350 0.650 0.650
Coast Capital Savings Not compounded At maturity no 1,000 0.400 0.450 0.550 0.600 0.650 0.750
Desjardins - Caisses Not compounded At maturity no 5,000 0.100 0.250 0.350 0.400 0.450 0.550
Desjardins - Fiducie Not compounded At maturity no 10,000 0.500 - - - - -
First Calgary Financial Not compounded At maturity no 2,000 0.200 0.400 0.500 0.550 0.600 0.650
HSBC Bank Canada Annually At maturity no 50,000 - - - - 0.550 0.550
HSBC Bank Canada Annually At maturity no 500 - - - - 0.550 0.550
Home Bank - Agent Not compounded At maturity no 2,500 - - 1.150 1.200 1.350 1.500
Home Trust Company-Agent Not compounded At maturity no 2,500 - - 1.080 1.150 1.300 1.450
Laurentian Bank Canada Not compounded At maturity no 500 0.150 0.250 0.250 0.350 0.500 0.550
Laurentian Bank Canada Not compounded At maturity yes 500 0.000 0.000 0.000 0.100 0.250 0.300
Libro Credit Union Not compounded At maturity no 1,000 1.050 1.050 1.050 1.050 1.150 1.150
Luminus Financial Not compounded At maturity no 500 1.050 1.200 1.350 1.350 1.450 1.450
MCAN Mortgage Corp. Not compounded At maturity no 25,000 0.200 0.200 0.600 0.600 0.800 1.000
MCAN Mortgage Corp. Not compounded At maturity no 10,000 0.100 0.100 0.500 0.500 0.700 0.900
MCAN Mortgage Corp. Not compounded At maturity no 100,000 0.300 0.300 0.700 0.700 0.900 1.100
Manulife Bank Not compounded At maturity no 50,000 0.550 0.650 0.700 0.700 0.800 0.900
Manulife Bank Not compounded At maturity no 25,000 0.550 0.650 0.700 0.700 0.800 0.900
Manulife Bank Not compounded At maturity no 100,000 0.550 0.650 0.700 0.700 0.800 0.900
Manulife Investments Annually At maturity no 2,500 - - - - 0.550 0.550
Manulife Investments Annually At maturity yes 2,500 - - - - 0.300 0.300
Meridian Credit Union Not compounded At maturity no 500 0.450 0.550 0.650 0.650 0.700 0.800
National Bank Not compounded At maturity no 500 - - 0.350 - 0.450 -
Oaken Financial Not compounded At maturity no 2,500 - - 1.650 1.750 1.800 1.850
PACE Savings & Credit Un Annually At maturity no 1,000 - - - - 0.750 -
Peace Hills Trust Not compounded At maturity yes 1,000 0.100 0.100 0.100 0.100 0.125 0.125
Rapport Credit Union Not compounded At maturity no 100,000 0.850 - - - - -
Rapport Credit Union Not compounded At maturity no 60,000 0.850 - - - - -
Rapport Credit Union Not compounded At maturity no 40,000 0.700 - - - - -
Rapport Credit Union Not compounded At maturity no 5,000 0.500 - - - - -
Rapport Credit Union Not compounded At maturity no 10,000 0.500 - - - - -
Rapport Credit Union Not compounded At maturity no 20,000 0.700 - - - - -
Royal Bank of Canada Not compounded At maturity no 500 0.250 0.250 0.350 0.350 0.450 0.500
Sun Life - Trust Not compounded At maturity no 1,000 1.000 1.000 1.000 1.000 1.000 1.000
Sun Life - Trust Not compounded At maturity yes 1,000 0.900 0.900 0.900 0.900 0.900 0.900
TD Canada Trust Not compounded At maturity no 2,000 - - 0.350 0.400 0.450 0.550
Tangerine Not compounded At maturity no 1 - - 0.500 - 0.500 0.500
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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 January 20, 2018
This information is current as of the date and time posted and is subject to change without notice.
© Copyright CANNEX Financial Exchanges Limited.

All rights reserved. Authorized users may copy portions of this information without alteration for their own personal or internal use only. CANNEX Financial Exchanges Limited must be identified as the source of the data on all copies.