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

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Non-Registered Term Deposits/GICs: 30 to 270 days (Non-Broker)
Sorted by: 180 Day Term  in descending 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
B2B Bank Not compounded At maturity no 25,000 0.350 0.400 0.450 0.500 0.600 0.650
Bank of Montreal Not compounded At maturity no 5,000 0.200 0.400 0.500 0.600 0.600 0.650
First Calgary Financial Not compounded At maturity no 5,000 0.200 0.400 0.500 0.550 0.600 0.650
Parama Credit Union Not compounded At maturity yes 500 0.400 0.400 0.500 0.500 0.600 0.600
HSBC Bank Canada Not compounded At maturity no 100,000 0.200 0.350 0.450 0.450 0.550 0.600
HSBC Bank Canada Not compounded At maturity no 5,000 0.200 0.350 0.450 0.450 0.550 0.600
BMO Bank of Montreal Not compounded At maturity yes 100,001 0.100 0.300 0.400 0.500 0.500 0.550
BMO Bank of Montreal Not compounded At maturity yes 30,001 0.100 0.300 0.400 0.500 0.500 0.550
BMO Bank of Montreal Not compounded At maturity yes 20,001 0.100 0.300 0.400 0.500 0.500 0.550
BMO Bank of Montreal Not compounded At maturity yes 10,001 0.100 0.300 0.400 0.500 0.500 0.550
Empire Life Not compounded At maturity yes 50,000 0.375 0.375 0.375 0.375 0.500 0.500
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 5,000 0.100 0.250 0.350 0.400 0.450 0.550
Manulife Investments Not compounded Annually no 2,500 - - - - 0.450 0.450
Manulife Investments Annually At maturity no 2,500 - - - - 0.450 0.450
National Bank Not compounded At maturity no 5,000 0.250 0.200 0.350 0.300 0.450 0.500
National Bank Not compounded At maturity no 100,000 0.250 0.200 0.350 0.300 0.450 0.500
National Bank Not compounded At maturity no 200,000 0.250 0.200 0.350 0.300 0.450 0.500
National Bank Not compounded At maturity no 300,000 0.250 0.200 0.350 0.300 0.450 0.500
Royal Bank of Canada Not compounded At maturity no 1,000,000 0.200 0.350 0.800 0.800 0.450 0.950
Royal Bank of Canada Not compounded At maturity no 250,000 0.200 0.350 0.800 0.800 0.450 0.950
Royal Bank of Canada Not compounded At maturity no 100,000 0.200 0.350 0.800 0.800 0.450 0.950
Royal Bank of Canada Not compounded At maturity no 5,000 0.100 0.250 0.800 0.800 0.450 0.950
T-D Mortgage Not compounded At maturity no 5,000 0.200 0.300 0.350 0.400 0.450 0.550
TD Canada Trust Not compounded At maturity no 5,000 0.200 0.300 0.350 0.400 0.450 0.550
HSBC Bank Canada Not compounded At maturity yes 5,000 0.150 0.200 0.200 0.250 0.400 0.400
Laurentian Bank Canada Not compounded At maturity no 500 - - 0.300 0.300 0.400 0.400
Empire Life Not compounded At maturity yes 500 0.250 0.250 0.250 0.250 0.375 0.375
ATB Financial Not compounded At maturity yes 1,000 0.350 0.350 0.350 0.350 0.350 0.350
ATB Financial Not compounded At maturity yes 100,000 0.350 0.350 0.350 0.350 0.350 0.350
Bank of Nova Scotia Not compounded At maturity no 100,000 0.050 0.150 0.250 0.300 0.350 0.400
Bank of Nova Scotia Not compounded At maturity no 250,000 0.050 0.150 0.250 0.300 0.350 0.400
Bank of Nova Scotia Not compounded At maturity no 25,000 0.050 0.150 0.250 0.300 0.350 0.400
Bank of Nova Scotia Not compounded At maturity no 5,000 0.050 0.150 0.250 0.300 0.350 0.400
Bk Nova Scotia Mtg. Corp Not compounded At maturity no 100,000 0.050 0.150 0.250 0.300 0.350 0.400
Bk Nova Scotia Mtg. Corp Not compounded At maturity no 250,000 0.050 0.150 0.250 0.300 0.350 0.400
Bk Nova Scotia Mtg. Corp Not compounded At maturity no 5,000 0.050 0.150 0.250 0.300 0.350 0.400
Bk Nova Scotia Mtg. Corp Not compounded At maturity no 25,000 0.050 0.150 0.250 0.300 0.350 0.400
CIBC Not compounded At maturity no 250,000 0.100 0.150 0.250 0.300 0.350 0.400
CIBC Not compounded At maturity no 100,000 0.100 0.150 0.250 0.300 0.350 0.400
CIBC Not compounded At maturity no 25,000 0.100 0.150 0.250 0.300 0.350 0.400
CIBC Not compounded At maturity no 5,000 0.100 0.150 0.250 0.300 0.350 0.400
CIBC Not compounded At maturity no 1,000 - 0.150 0.250 0.300 0.350 0.400
Manulife Investments Not compounded Semi-annually no 2,500 - - - - 0.350 0.350
National Bank Not compounded At maturity yes 300,000 0.150 0.100 0.250 0.200 0.350 0.400
National Bank Not compounded At maturity yes 5,000 0.150 0.100 0.250 0.200 0.350 0.400
National Bank Not compounded At maturity yes 100,000 0.150 0.100 0.250 0.200 0.350 0.400
National Bank Not compounded At maturity yes 200,000 0.150 0.100 0.250 0.200 0.350 0.400
Manulife Investments Annually At maturity yes 2,500 - - - - 0.300 0.300
Manulife Investments Not compounded Annually yes 2,500 - - - - 0.300 0.300
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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 July 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.