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 9 Oct 14)
1 Year
Effort Trust 2.05
General Bank of Canada 1.91
CFF Bank 1.90
MCAN Mortgage Corp. 1.90
Home Trust Company 1.90
(As of 14 Oct 14)
5 Years
Community Trust 2.65
General Bank of Canada 2.62
Effort Trust 2.60
Home Trust Company 2.60
HomEquity Bank 2.55
(As of 14 Oct 14)
Savings
Annual rates for Savings account.
1 Year, $5,000
PACE Savings & Credit Un1.25
Alterna Bank 1.10
Alterna Savings 1.10
BMO Bank of Montreal 1.05
Bank of Nova Scotia 1.05
(As of 15 Oct 14)
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 2.40
Home Trust Company 1.90
Ontario Civil Service CU1.30
(As of 9 Oct 14)
3 Years, $10,000
Oaken Financial 2.65
Home Trust Company 2.25
Ontario Civil Service CU1.50
(As of 9 Oct 14)
5 Years, $10,000
Oaken Financial 3.05
Home Trust Company 2.60
Ontario Civil Service CU2.05
(As of 9 Oct 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
Equitable Life 497.03
Empire Life 486.80
Canada Life 485.10
Great-West Life 485.10
London Life 485.10
(As of 16 Oct 14)
Age: 70
Equitable Life 655.25
BMO Insurance 640.04
Sun Life Assurance Co 637.57
Desjardins Fin. Security631.24
RBC Life Insurance 618.65
(As of 17 Oct 14)
Age: 75
BMO Insurance 771.47
Equitable Life 762.81
RBC Life Insurance 737.97
Sun Life Assurance Co 736.40
Desjardins Fin. Security728.95
(As of 17 Oct 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
Equitable Life 456.36
Canada Life 449.06
Great-West Life 449.06
London Life 449.06
Empire Life 442.86
(As of 16 Oct 14)
Age: 70
Equitable Life 586.74
Sun Life Assurance Co 569.55
Standard Life 567.84
BMO Insurance 566.74
Desjardins Fin. Security561.33
(As of 17 Oct 14)
Age: 75
Equitable Life 684.99
BMO Insurance 669.14
RBC Life Insurance 660.40
Sun Life Assurance Co 659.79
Desjardins Fin. Security649.39
(As of 17 Oct 14)