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 29 Jul 14)
1 Year
CFF Bank 1.95
MCAN Mortgage Corp. 1.90
Home Trust Company 1.90
Effort Trust 1.85
CFF Bank 1.75
(As of 1 Aug 14)
5 Years
HomEquity Bank 2.60
Home Trust Company 2.60
Effort Trust 2.50
General Bank of Canada 2.45
CFF Bank 2.35
(As of 31 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 1.90
Effort Trust 1.85
Ontario Civil Service CU1.30
(As of 29 Jul 14)
3 Years, $10,000
Oaken Financial 2.40
Effort Trust 2.25
Home Trust Company 2.20
Ontario Civil Service CU1.50
(As of 29 Jul 14)
5 Years, $10,000
Oaken Financial 2.90
Home Trust Company 2.60
Effort Trust 2.50
Ontario Civil Service CU2.05
(As of 29 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
Equitable Life 495.89
Empire Life 495.01
BMO Insurance 492.92
Desjardins Fin. Security484.60
London Life 478.13
(As of 1 Aug 14)
Age: 70
BMO Insurance 655.92
Equitable Life 653.02
Desjardins Fin. Security639.23
Sun Life Assurance Co 635.41
RBC Life Insurance 630.37
(As of 1 Aug 14)
Age: 75
BMO Insurance 787.15
Equitable Life 754.58
Sun Life Assurance Co 744.26
RBC Life Insurance 737.96
Desjardins Fin. Security736.80
(As of 1 Aug 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 456.08
BMO Insurance 452.92
Empire Life 451.09
Standard Life 443.61
Desjardins Fin. Security439.91
(As of 1 Aug 14)
Age: 70
BMO Insurance 582.51
Equitable Life 580.20
Sun Life Assurance Co 576.71
Standard Life 574.48
Desjardins Fin. Security569.17
(As of 1 Aug 14)
Age: 75
BMO Insurance 684.69
Equitable Life 673.70
Sun Life Assurance Co 668.98
RBC Life Insurance 661.76
Desjardins Fin. Security657.11
(As of 1 Aug 14)