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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
ATB Financial Not compounded At maturity no 1,000 0.200 0.510 0.710 0.760 0.910 0.970
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
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
BMO Bank of Montreal Not compounded At maturity yes 10,001 0.100 0.300 0.400 0.500 0.500 0.550
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
Bank of Montreal Not compounded At maturity no 250,000 0.200 0.400 0.500 0.600 0.600 0.650
Bank of Nova Scotia Not compounded At maturity yes 5,000 0.050 0.050 0.050 0.050 0.100 0.100
Bank of Nova Scotia Not compounded At maturity yes 1,000 0.050 0.050 0.050 0.050 0.100 0.100
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 100,000 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
Bank of Nova Scotia Not compounded At maturity yes 100,000 0.050 0.050 0.050 0.050 0.100 0.100
Bk Nova Scotia Mtg. Corp Not compounded At maturity yes 1,000 0.050 0.050 0.050 0.050 0.100 0.100
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 100,000 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
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 yes 100,000 0.050 0.050 0.050 0.050 0.100 0.100
Bk Nova Scotia Mtg. Corp Not compounded At maturity yes 5,000 0.050 0.050 0.050 0.050 0.100 0.100
CIBC Not compounded At maturity no 1,000 - 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 25,000 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 250,000 0.100 0.150 0.250 0.300 0.350 0.400
CIBC Not compounded At maturity yes 1,000 - 0.050 0.050 0.050 0.100 0.150
CIBC Not compounded At maturity yes 5,000 0.050 0.050 0.050 0.050 0.100 0.150
CIBC Not compounded At maturity yes 100,000 0.050 0.050 0.050 0.050 0.100 0.150
CIBC Not compounded At maturity yes 250,000 0.050 0.050 0.050 0.050 0.100 0.150
Caisses Desjardins Not compounded At maturity no 5,000 0.100 0.250 0.350 0.400 0.450 0.550
Canada Life Not compounded Monthly yes 25,000 0.340 0.340 0.340 0.340 0.340 0.340
Canada Life Not compounded Monthly yes 5,000 0.340 0.340 0.340 0.340 0.340 0.340
Canada Life Not compounded At maturity yes 5,000 0.350 0.350 0.350 0.350 0.350 0.350
Canada Life Not compounded Monthly yes 75,000 0.340 0.340 0.340 0.340 0.340 0.340
Canadian Western Bank Not compounded At maturity no 5,000 0.836 0.856 0.879 0.939 0.950 0.950
Canadian Western Trust Not compounded At maturity yes 5,000 0.200 0.200 0.200 0.200 0.250 0.250
Coast Capital Savings Not compounded At maturity no 1,000 0.400 0.450 0.550 0.600 0.650 0.750
Community Trust Not compounded At maturity yes 50,000 0.500 0.500 0.550 0.600 0.900 0.900
Community Trust Not compounded At maturity yes 25,000 0.375 0.375 0.425 0.475 0.775 0.775
Community Trust Not compounded At maturity yes 5,000 0.250 0.250 0.300 0.350 0.650 0.650
Comtech Credit Union Not compounded At maturity yes 1,000 - - 0.150 0.150 0.200 0.200
Comtech Credit Union Not compounded At maturity yes 2,500 0.150 0.150 0.150 0.150 0.200 0.200
DUCA Financial Services Not compounded At maturity yes 500 0.250 0.250 0.250 0.250 0.300 0.400
DUCA Financial Services Not compounded At maturity no 500 - 0.300 0.300 0.300 0.500 0.600
Effort Trust Not compounded At maturity no 5,000 0.200 0.200 0.200 0.200 0.200 0.300
Empire Life Not compounded At maturity yes 100,000 0.500 0.500 0.500 0.500 0.625 0.625
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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 March 24, 2017
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.