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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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Non-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
Empire Life Not compounded At maturity yes 50,000 0.375 0.375 0.375 0.375 0.500 0.500
Equitable Bank Not compounded At maturity no 1,000 1.150 1.250 1.350 1.600 2.000 2.100
First Calgary Financial Not compounded At maturity no 5,000 0.200 0.400 0.500 0.550 0.600 0.650
FirstOntario Credit Un. Not compounded At maturity no 5,000 0.950 0.950 0.950 0.950 0.950 0.950
General Bank of Canada Not compounded At maturity no 10,000 - - 1.000 1.000 1.000 1.000
HSBC Bank Canada Not compounded At maturity no 5,000 0.200 0.400 0.500 0.600 0.600 0.650
HSBC Bank Canada Not compounded At maturity yes 5,000 0.150 0.200 0.200 0.250 0.400 0.400
HSBC Bank Canada Not compounded At maturity no 100,000 0.200 0.400 0.500 0.600 0.600 0.650
Haventree Bank Not compounded At maturity no 10,000 0.250 0.300 1.210 1.210 1.860 1.860
Home Bank - Agent Not compounded At maturity no 5,000 1.140 1.240 1.340 1.590 1.890 1.990
Home Trust Company-Agent Not compounded At maturity no 5,000 1.150 1.250 1.350 1.600 1.900 2.000
Laurentian Bank Canada Not compounded At maturity no 500 - - 0.300 0.300 0.400 0.400
Libro Credit Union Not compounded At maturity no 3,000 1.250 1.250 1.250 1.350 1.350 1.350
London Life Not compounded At maturity yes 1,000 - - - - - 1.200
London Life Not compounded At maturity yes 50,000 - - - - - 1.200
Luminus Financial Not compounded Annually no 500 - - - - 2.500 -
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 10,000 0.100 0.100 0.500 0.500 0.700 0.900
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 100,000 0.300 0.300 0.700 0.700 0.900 1.100
Manulife Bank Not compounded At maturity no 50,000 1.000 1.100 1.200 1.200 1.350 1.500
Manulife Bank Not compounded At maturity no 100,000 1.000 1.100 1.200 1.200 1.350 1.500
Manulife Bank Not compounded At maturity no 25,000 1.000 1.100 1.200 1.200 1.350 1.500
Manulife Investments Annually At maturity yes 2,500 - - - - 0.300 0.300
Manulife Investments Not compounded Quarterly no 2,500 - - - - 0.300 0.300
Manulife Investments Not compounded Quarterly yes 2,500 - - - - 0.150 0.150
Manulife Investments Not compounded Semi-annually yes 2,500 - - - - 0.200 0.200
Manulife Investments Not compounded Annually yes 2,500 - - - - 0.300 0.300
Manulife Investments Annually At maturity no 2,500 - - - - 0.450 0.450
Manulife Investments Not compounded Monthly no 2,500 - - - - 0.200 0.200
Manulife Investments Not compounded Monthly yes 2,500 - - - - 0.050 0.050
Manulife Investments Not compounded Semi-annually no 2,500 - - - - 0.350 0.350
Manulife Investments Not compounded Annually no 2,500 - - - - 0.450 0.450
Manulife Trust Not compounded At maturity no 50,000 1.000 1.100 1.200 1.200 1.350 1.500
Manulife Trust Not compounded At maturity no 25,000 1.000 1.100 1.200 1.200 1.350 1.500
Manulife Trust Not compounded At maturity no 100,000 1.000 1.100 1.200 1.200 1.350 1.500
Meridian Credit Union Not compounded At maturity no 500 0.450 0.550 0.650 0.650 0.700 0.800
Meridian Credit Union Not compounded At maturity yes 2,500 0.050 0.150 0.250 0.250 0.300 0.400
National Bank Not compounded At maturity no 5,000 0.250 0.400 0.550 0.650 0.700 0.800
National Bank Not compounded At maturity no 100,000 0.250 0.400 0.550 0.650 0.700 0.800
National Bank Not compounded At maturity no 200,000 0.250 0.400 0.550 0.650 0.700 0.800
National Bank Not compounded At maturity yes 300,000 0.150 0.300 0.450 0.550 0.600 0.700
National Bank Not compounded At maturity yes 5,000 0.150 0.300 0.450 0.550 0.600 0.700
National Bank Not compounded At maturity yes 100,000 0.150 0.300 0.450 0.550 0.600 0.700
National Bank Not compounded At maturity yes 200,000 0.150 0.300 0.450 0.550 0.600 0.700
National Bank Not compounded At maturity no 300,000 0.250 0.400 0.550 0.650 0.700 0.800
Oaken Financial Not compounded At maturity no 1,000 1.900 1.900 1.900 2.000 2.050 2.100
PACE Savings & Credit Un Not compounded At maturity no 5,000 0.300 0.500 0.700 0.700 0.750 0.750
Parama Credit Union Not compounded At maturity yes 500 0.400 0.400 0.500 0.500 0.600 0.600
Peace Hills Trust Not compounded At maturity no 1,000 0.200 0.200 0.200 0.200 0.250 0.250
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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 September 21, 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.