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 1.10
Ontario Civil Service CU0.60
Pacific & Western Bank 0.40
National Bank 0.40
Fiducie Desjardins 0.40
(As of 1 Apr 15)
1 Year
Home Trust Company 1.56
Effort Trust 1.50
General Bank of Canada 1.40
Community Trust 1.40
MCAN Mortgage Corp. 1.35
(As of 27 Mar 15)
5 Years
Community Trust 2.20
Home Trust Company 2.06
Effort Trust 2.05
HomEquity Bank 2.00
Canadian Western Trust 1.95
(As of 27 Mar 15)
Savings
Annual rates for Savings account.
1 Year, $5,000
PACE Savings & Credit Un1.25
Alterna Bank 0.95
Alterna Savings 0.95
BMO Bank of Montreal 0.80
Bank of Nova Scotia 0.80
(As of 31 Jan 15)
Chequing
Annual rates for Chequing account.
1 Year, $5,000
CIBC 0.80
Peace Hills Trust 0.20
Laurentian Bank Canada 0.20
Parama Credit Union 0.03
(As of 1 Apr 15)
RRIFs
Rates posted for one, three- and five-year RRIFs paid annually.
1 Year, $10,000
Oaken Financial 1.90
Home Trust Company 1.56
Ontario Civil Service CU1.30
(As of 28 Mar 15)
3 Years, $10,000
Oaken Financial 2.15
Home Trust Company 1.80
Ontario Civil Service CU1.50
(As of 28 Mar 15)
5 Years, $10,000
Oaken Financial 2.30
Home Trust Company 2.06
Ontario Civil Service CU2.05
(As of 28 Mar 15)
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
Equitable Life 455.62
BMO Insurance 452.58
Empire Life 448.07
Desjardins Fin. Security435.36
Sun Life Assurance Co 432.80
(As of 1 Apr 15)
Age: 70
Equitable Life 610.98
BMO Insurance 608.98
Sun Life Assurance Co 601.06
RBC Life Insurance 590.72
Desjardins Fin. Security589.73
(As of 1 Apr 15)
Age: 75
BMO Insurance 725.31
Equitable Life 710.09
Sun Life Assurance Co 700.03
RBC Life Insurance 691.02
Desjardins Fin. Security684.89
(As of 1 Apr 15)
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
Equitable Life 419.64
BMO Insurance 412.75
Empire Life 406.19
Manulife Investments 400.06
London Life 397.51
(As of 1 Apr 15)
Age: 70
Equitable Life 544.33
BMO Insurance 535.97
Sun Life Assurance Co 534.99
RBC Life Insurance 523.89
London Life 523.13
(As of 1 Apr 15)
Age: 75
Equitable Life 630.85
Sun Life Assurance Co 625.09
BMO Insurance 623.56
RBC Life Insurance 615.23
Empire Life 608.39
(As of 1 Apr 15)