A summary of the highest and lowest consumer credit and investment rates across Canada.

Morningstar presents a survey of the top investment rates for GICs, savings and chequing accounts, RRIFs and annuities, and the lowest consumer lending rates for mortgages, car loans and home equity, across Canada. Also included is a list of the latest top-yielding stocks in the S&P/TSX Composite index, along with the stocks with the lowest price/earnings ratios. Rates data provided by Cannex Financial Exchanges Limited.

Investment RatesCanadian Index PerformanceLending Rates
GICs
Rates posted for 30 day, one- and five-year GICs paid annually.
30 Days
Home Trust Company 1.25
Peoples Trust 1.15
Meridian Credit Union 0.65
Ontario Civil Service CU0.60
Bank of Montreal 0.60
(As of 23 Jul 14)
1 Year
MCAN Mortgage Corp. 2.00
CFF Bank 1.95
Home Trust Company 1.95
Effort Trust 1.90
CFF Bank 1.75
(As of 23 Jul 14)
5 Years
Effort Trust 2.60
Home Trust Company 2.60
HomEquity Bank 2.51
General Bank of Canada 2.45
CFF Bank 2.35
(As of 24 Jul 14)
Savings
Annual rates for Savings account.
1 Year, $5,000
PACE Savings & Credit Un1.20
Alterna Bank 1.10
Alterna Savings 1.10
BMO Bank of Montreal 1.05
Bank of Nova Scotia 1.05
(As of 1 Nov 13)
Chequing
Annual rates for Chequing account.
1 Year, $5,000
CIBC 1.05
Peace Hills Trust 0.20
Laurentian Bank Canada 0.20
Parama Credit Union 0.10
(As of 19 Sep 13)
RRIFs
Rates posted for one, three- and five-year RRIFs paid annually.
1 Year, $10,000
Oaken Financial 2.00
Home Trust Company 1.95
Effort Trust 1.90
Ontario Civil Service CU1.30
(As of 14 Jul 14)
3 Years, $10,000
Oaken Financial 2.40
Effort Trust 2.30
Home Trust Company 2.25
Ontario Civil Service CU1.50
(As of 14 Jul 14)
5 Years, $10,000
Oaken Financial 2.90
Effort Trust 2.60
Home Trust Company 2.60
Ontario Civil Service CU2.05
(As of 14 Jul 14)
Single Life Annuity
Monthly income for Single Life Annuities (Male) on a premium of $100000 based on a guaranteed period of 5 years.
Age: 60
BMO Insurance 503.78
Equitable Life 501.58
Empire Life 500.71
Desjardins Fin. Security484.60
London Life 478.13
(As of 25 Jul 14)
Age: 70
BMO Insurance 663.64
Equitable Life 654.13
Desjardins Fin. Security639.23
Sun Life Assurance Co 633.19
RBC Life Insurance 630.32
(As of 25 Jul 14)
Age: 75
BMO Insurance 792.91
Equitable Life 756.77
Sun Life Assurance Co 742.12
RBC Life Insurance 737.65
Desjardins Fin. Security736.80
(As of 25 Jul 14)
Single Life Annuity
Monthly income for Single Life Annuities (Female) on a premium of $100000 based on a guaranteed period of 5 years.
Age: 60
BMO Insurance 463.76
Equitable Life 460.30
Empire Life 456.65
Standard Life 441.04
Desjardins Fin. Security439.91
(As of 25 Jul 14)
Age: 70
BMO Insurance 590.19
Equitable Life 582.38
Sun Life Assurance Co 574.49
Standard Life 571.96
Desjardins Fin. Security569.17
(As of 25 Jul 14)
Age: 75
BMO Insurance 690.42
Equitable Life 679.07
Sun Life Assurance Co 666.83
RBC Life Insurance 661.50
Desjardins Fin. Security657.11
(As of 25 Jul 14)