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
Equitable Trust 1.25
Home Trust Company 1.25
Peoples Trust 1.05
Libro Financial Group 0.80
Meridian Credit Union 0.65
(As of 17 May 13)
1 Year
MonCana Bank of Canada 1.90
General Bank of Canada 1.76
Home Trust Company 1.75
MCAN Mortgage Corp. 1.70
Effort Trust 1.70
(As of 21 May 13)
5 Years
General Bank of Canada 2.31
Effort Trust 2.30
Equitable Trust 2.26
HomEquity Bank 2.25
Home Trust Company 2.20
(As of 21 May 13)
Savings
Annual rates for Savings account.
1 Year, $5,000
Alterna Bank 1.20
Alterna Savings 1.20
Royal Bank of Canada 1.20
BMO Bank of Montreal 1.20
Bank of Nova Scotia 1.20
(As of 1 Mar 12)
Chequing
Annual rates for Chequing account.
1 Year, $5,000
CIBC 1.20
Peace Hills Trust 0.20
Laurentian Bank Canada 0.20
Parama Credit Union 0.10
Boomerang Credit Union 0.05
(As of 22 Jan 13)
RRIFs
Rates posted for one, three- and five-year RRIFs paid annually.
1 Year, $10,000
Home Trust Company 1.75
Effort Trust 1.70
Ontario Civil Service CU1.30
(As of 17 May 13)
3 Years, $10,000
Effort Trust 2.00
Home Trust Company 1.95
Ontario Civil Service CU1.50
(As of 17 May 13)
5 Years, $10,000
Effort Trust 2.30
Home Trust Company 2.20
Ontario Civil Service CU2.05
(As of 17 May 13)
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
Canada Life 490.09
Great-West Life 490.09
London Life 490.09
Empire Life 483.58
Sun Life Assurance Co 479.41
(As of 20 May 13)
Age: 70
Empire Life 656.25
Desjardins Fin. Security630.62
Sun Life Assurance Co 628.61
BMO Insurance 616.99
Standard Life 612.77
(As of 20 May 13)
Age: 75
Empire Life 775.07
Sun Life Assurance Co 738.60
Desjardins Fin. Security734.19
BMO Insurance 725.73
Manulife Investments 710.16
(As of 20 May 13)
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
Canada Life 453.53
Great-West Life 453.53
London Life 453.53
Sun Life Assurance Co 444.37
Standard Life 441.75
(As of 18 May 13)
Age: 70
Empire Life 575.26
Standard Life 573.77
Sun Life Assurance Co 570.39
Desjardins Fin. Security560.14
BMO Insurance 549.05
(As of 20 May 13)
Age: 75
Empire Life 679.24
Sun Life Assurance Co 665.01
Desjardins Fin. Security653.89
Manulife Investments 645.93
Standard Life 639.60
(As of 20 May 13)