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
Rapport Credit Union 0.50
Pacific & Western Bank 0.40
National Bank 0.40
Fiducie Desjardins 0.40
(As of 28 May 15)
1 Year
Community Trust 1.85
Effort Trust 1.80
Home Trust Company 1.80
General Bank of Canada 1.71
MCAN Mortgage Corp. 1.70
(As of 29 May 15)
5 Years
General Bank of Canada 2.35
Home Trust Company 2.35
HomEquity Bank 2.20
Effort Trust 2.10
Community Trust 2.10
(As of 29 May 15)
Savings
Annual rates for Savings account.
1 Year, $5,000
PACE Savings & Credit Un1.25
Alterna Bank 0.95
Alterna Savings 0.95
Royal Bank of Canada 0.80
BMO Bank of Montreal 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 1.95
Home Trust Company 1.80
Rapport Credit Union 1.00
(As of 28 May 15)
3 Years, $10,000
Oaken Financial 2.15
Home Trust Company 2.06
Rapport Credit Union 1.40
(As of 28 May 15)
5 Years, $10,000
Oaken Financial 2.50
Home Trust Company 2.35
Rapport Credit Union 1.90
(As of 28 May 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 476.25
Desjardins Fin. Security456.61
Empire Life 452.78
BMO Insurance 452.75
Sun Life Assurance Co 441.14
(As of 29 May 15)
Age: 70
Equitable Life 633.07
Desjardins Fin. Security610.82
BMO Insurance 609.25
Sun Life Assurance Co 606.82
RBC Life Insurance 603.13
(As of 29 May 15)
Age: 75
Equitable Life 729.57
BMO Insurance 725.66
Desjardins Fin. Security705.66
Sun Life Assurance Co 700.42
RBC Life Insurance 699.65
(As of 29 May 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 438.42
Manulife Investments 418.95
BMO Insurance 412.91
Desjardins Fin. Security412.56
Empire Life 410.74
(As of 28 May 15)
Age: 70
Equitable Life 561.45
Desjardins Fin. Security541.86
Sun Life Assurance Co 541.18
BMO Insurance 536.20
RBC Life Insurance 527.84
(As of 29 May 15)
Age: 75
Equitable Life 649.64
Desjardins Fin. Security627.17
Sun Life Assurance Co 626.93
BMO Insurance 623.84
RBC Life Insurance 622.60
(As of 29 May 15)