How to get the best GIC & RRSP interest rates in Canada?

Our GIC & RRSP interest rates tables compare the Best Interest Rates in Canada. Canadians who want to invest in Guaranteed Investment Certificates (GIC) or Registered Retirement Savings Plans (RRSP) can choose from the list of the best interest rates from all the Canadian banks, trust companies, credit unions and insurance companies in Canada.

2013 GIC Interest Rates (GIC non-registered)

Best GIC Interest rates as of January 29, 2013

Financial Institution MinimumDeposit Term in Years
1 2 3 4 5
Bank of Montreal Agt S. 1,000 1.150 1.300 1.400 1.600 2.050
Bank of Nova Scotia Agt 1,000 1.450 1.700 1.900 2.200 2.350
Canadian Tire Bank Agt. 5,000 1.350 1.700 1.900 2.000 2.400
Canadian Western Bank 5,000 1.500 1.900 2.050 2.200 2.350
Coast Capital Svgs Agt. 1,000 2.000 2.100 2.250 2.350 2.500
Concentra Fin. Agt Ser. 10,000 1.150 1.300 1.400 1.600 2.000
HSBC Bank Canada Agt. S 5,000 1.550 1.900 2.000 2.200 2.400
HSBC Mortgage Corp. Agt 5,000 1.550 1.900 2.000 2.200 2.400
HSBC Trust Agent Servic 5,000 1.550 1.900 2.000 2.200 2.400
ICICI Bank Canada 1,000 .250 .500 1.000 1.000 1.000
Laurentian Bk Agent Ser 1,000 1.450 1.900 2.050 2.150 2.350
Montreal Trust Agt. Ser 1,000 1.450 1.700 1.900 2.200 2.350
NatCan Trust Agent Ser. 1,000 1.550 1.900 2.050 2.250 2.450
National Bank Agent Ser 1,000 1.550 1.900 2.050 2.250 2.450
National Trust Agent S. 1,000 1.450 1.700 1.900 2.200 2.350
Royal Bank 5,000 1.450 1.700 1.900 2.150 2.300
Scotia Mtge Corp. Agt. 1,000 1.450 1.700 1.900 2.200 2.350
Vancity Savings 5,000 1.650 1.750 2.100 2.150 2.250
AGF Trust 5,000 1.450 1.900 2.050 2.150 2.350
ATB Financial 1,000 1.400 1.550 1.750 1.650 2.000
AcceleRate Financial 1,000 2.050 2.250 2.450 2.600 2.850
Achieva Financial 1,000 2.050 2.250 2.450 2.600 2.850
Advisor’s Advantage Tr. 1,000 1.450 1.550 1.800 2.050 2.200
Alterna Bank 500 1.450 1.750 1.950 2.000 2.300
Alterna Savings 500 1.450 1.750 1.950 2.000 2.300
B2B Bank 1,000 1.450 1.900 2.050 2.150 2.350
Bank West 5,000 1.500 1.800 1.950 2.050 2.100
Boomerang Credit Union 500 1.100 1.200 1.350 1.600 1.900
Caisses Desjardins 1,000 .900 1.200 1.250 1.600 1.750
Canada Life 1,000 .800 1.050 1.200 1.250 1.300
Canadian Western Trust 5,000 1.250 1.350 1.600 1.850 2.200
Community Trust 1,000 1.200 1.550 1.750 1.800 2.050
DUCA Financial Services 500 1.450 1.700 1.900 2.000 2.250
Desjardins Fin. Security 500 1.050 1.150 1.450 1.650 1.850
Dundee Bank of Canada 1,000 1.450 1.700 1.900 2.200 2.350
Effort Trust 5,000 1.600 1.900 2.100 2.200 2.350
Empire Life 500 1.250 1.625 1.875 1.875 2.000
Equitable Life 500 .700 1.750 2.000 1.550 1.600
Equitable Trust 5,000 1.500 1.800 2.000 2.100 2.400
Equity Financial Trust 5,000 1.650 1.900 2.100 2.150 2.250
Fiducie Desjardins 1,000 .900 1.200 1.250 1.600 1.750
First Calgary Financial 500 1.250 1.650 1.950 2.000 2.300
FirstOntario Credit Un. 500 1.600 1.650 1.900 2.100 2.400
General Bank of Canada 5,000 1.500 1.750 1.900 2.000 2.200
Great-West Life 500 1.050 1.300 1.450 1.500 1.550
HomEquity Bank 5,000 1.500 1.850 1.900 2.100 2.500
Home Trust Company 5,000 1.650 1.900 2.100 2.250 2.450
ING Bank of Canada (CFN) 5,000 1.500 1.850 2.000 2.150 2.350
Industrial Alliance 1,000 .900 1.450 1.850 1.900 1.950
Korea Exchange Bank 3,500 1.400 1.700 1.850 2.000 2.150
Libro Financial Group 1,000 1.100 1.600 1.750 1.950 2.100
London Life 10,000 1.050 1.300 1.450 1.500 1.550
MAXA Financial 500 2.050 2.250 2.450 2.600 2.850
MCAN Mortgage Corp. 5,000 1.750 2.050 2.000 1.650 1.950
Manulife Bank 2,500 1.400 1.650 2.000 2.250 2.450
Manulife Investments 2,500 1.550 1.800 1.950 1.950 1.950
Manulife Trust 2,500 1.400 1.650 2.000 2.250 2.450
MonCana Bank of Canada 5,000 1.200 1.500 1.700 1.800 1.900
Outlook Financial 1,000 2.050 2.250 2.450 2.600 2.850
PACE Savings & Credit Un 1,000 1.200 1.500 1.600 1.750 2.100
Pacific & Western Bank 1,000 1.660 1.850 2.050 2.150 2.350
Parama Credit Union 1,000 1.600 1.750 2.000 2.100 2.300
Peace Hills Trust 1,000 1.450 1.850 2.050 2.100 2.250
Peoples Trust 5,000 1.660 1.800 1.950 2.000 2.200
President’s Choice Bank 500 .850 1.300 1.700 1.850 2.050
ResMor Trust 10,000 1.400 1.800 2.000 2.100 2.300
Servus Credit Union 1,000 1.150 1.300 1.400 1.600 2.000
Standard Life 1,000 1.500 1.700 1.875 1.950 2.000
Sun Life – Insurance 1,000 1.300 1.600 1.700 1.850 2.000
Sun Life – Trust 1,000 1.500 1.850 2.000 2.200 2.450
Teachers Credit Union 500 1.400 1.650 2.100 2.350 2.500
Windsor Family C.U. 500 .900 1.300 1.400 1.600 2.100
Your Neighbourhood C.U. 500 1.700 1.850 1.950 2.100 2.350

2013 RRSP Interest Rates (GIC registered)

Best RRSP Interest rates as of January 29, 2013

Financial Institution MinimumDeposit Term in Years
1 2 3 4 5
Bank of Montreal Agt S. 1,000 .010 .010 .010 .010 .010
Bank of Nova Scotia Agt 1,000 1.450 1.700 1.900 2.200 2.350
Coast Capital Svgs Agt. 1,000 2.000 2.100 2.250 2.350 2.500
Concentra Fin. Agt Ser. 10,000 1.150 1.300 1.400 1.600 2.000
HSBC Bank Canada Agt. S 5,000 1.550 1.900 2.000 2.200 2.400
HSBC Mortgage Corp. Agt 5,000 1.550 1.900 2.000 2.200 2.400
HSBC Trust Agent Servic 5,000 1.550 1.900 2.000 2.200 2.400
ICICI Bank Canada 1,000 .250 .500 1.000 1.000 1.000
Laurentian Bk Agent Ser 1,000 1.450 1.900 2.050 2.150 2.350
Montreal Trust Agt. Ser 1,000 1.450 1.700 1.900 2.200 2.350
NatCan Trust Agent Ser. 500 1.550 1.900 2.050 2.250 2.450
National Bank Agent Ser 500 1.550 1.900 2.050 2.250 2.450
National Trust Agent S. 1,000 1.450 1.700 1.900 2.200 2.350
Scotia Mtge Corp. Agt. 1,000 1.450 1.700 1.900 2.200 2.350
AGF Trust 5,000 1.450 1.900 2.050 2.150 2.350
ATB Financial 500 1.400 2.250 1.750 1.650 2.000
AcceleRate Financial 500 2.050 2.250 2.450 2.600 2.850
Achieva Financial 500 2.050 2.250 2.450 2.600 2.850
Advisor’s Advantage Tr. 1,000 .010 .010 .010 .010 .010
Alterna Bank 500 1.450 1.750 1.950 2.000 2.300
Alterna Savings 500 1.450 1.750 1.950 2.000 2.300
B2B Bank 1,000 1.450 1.900 2.050 2.150 2.350
Caisses Desjardins 500 .900 1.200 1.250 1.600 1.750
Canada Life 1,000 1.050 1.300 1.450 1.500 1.550
Canadian Western Trust 5,000 1.250 1.350 1.600 1.850 2.200
Community Trust 1,000 1.450 1.800 2.000 2.050 2.300
DUCA Financial Services 500 1.450 1.700 1.900 2.000 2.250
Desjardins Fin. Security 500 1.050 1.150 1.450 1.650 1.850
Effort Trust 1,000 1.600 1.900 2.100 2.200 2.350
Empire Life 500 1.250 1.625 1.875 1.875 2.000
Equitable Life 500 .700 1.750 2.000 1.550 1.600
Fiducie Desjardins 1,000 - 1.200 1.250 1.600 1.750
First Calgary Financial 500 1.250 1.650 1.950 2.000 2.300
FirstOntario Credit Un. 500 1.600 1.650 1.900 2.100 2.400
Great-West Life 500 1.050 1.300 1.450 1.500 1.550
Home Trust Company 1,000 1.650 1.900 2.100 2.250 2.450
Industrial Alliance 1,000 .900 1.450 1.850 1.900 1.950
London Life 1,000 1.050 1.300 1.450 1.500 1.550
MCAN Mortgage Corp. 5,000 1.750 2.050 2.000 1.650 1.950
Manulife Bank 2,500 1.400 1.650 2.000 2.250 2.450
Manulife Investments 2,500 1.550 1.800 1.950 1.950 1.950
Outlook Financial 1,000 2.050 2.250 2.450 2.600 2.850
PACE Savings & Credit Un 1,000 1.200 1.500 1.600 1.750 2.100
Pacific & Western Bank 1,000 1.660 1.850 2.050 2.150 2.350
Parama Credit Union 1,000 1.700 1.850 2.100 2.200 2.500
Peace Hills Trust 1,000 1.450 1.850 2.050 2.100 2.250
Peoples Trust 5,000 1.000 1.500 1.750 1.750 2.000
ResMor Trust 10,000 1.400 1.800 2.000 2.100 2.300
Servus Credit Union 500 1.150 1.300 1.400 1.600 2.000
Standard Life 1,000 1.500 1.700 1.875 1.950 2.000
Sun Life – Insurance 1,000 1.300 1.600 1.700 1.850 2.000
Sun Life – Trust 1,000 1.500 1.850 2.000 2.200 2.450
Windsor Family C.U. 500 .900 1.300 1.400 1.600 2.100
Your Neighbourhood C.U. 500 1.700 1.850 1.950 2.100 2.350

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If you think that today’s best interest rates in Canada are too low, you may be interested in an annuity that gives a higher monthly income, sometimes 3 to 4 times as much.

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Posted by: Ivon T. Hughes

Ivon is a leading expert in life annuities in Canada. His website LifeAnnuities.com is a recognized authority on annuities. He's also an established insurance and investment broker, licensed across Canada through The Hughes Trustco Group since 1972. Recently, he's been redefining how annuities are sold in Canada.

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