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 0.90
Libro Credit Union 0.80
Meridian Credit Union 0.65
Bank of Montreal 0.60
(As of 17 Apr 14)
1 Year
CFF Bank 2.10
MCAN Mortgage Corp. 1.85
Home Trust Company 1.80
General Bank of Canada 1.76
Effort Trust 1.75
(As of 17 Apr 14)
5 Years
Home Trust Company 2.65
General Bank of Canada 2.61
Effort Trust 2.60
HomEquity Bank 2.55
Community Trust 2.40
(As of 17 Apr 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 2.05
Home Trust Company 1.80
Effort Trust 1.75
Ontario Civil Service CU1.30
(As of 17 Apr 14)
3 Years, $10,000
Oaken Financial 2.40
Effort Trust 2.15
Home Trust Company 2.10
Ontario Civil Service CU1.50
(As of 17 Apr 14)
5 Years, $10,000
Oaken Financial 3.05
Home Trust Company 2.65
Effort Trust 2.60
Ontario Civil Service CU2.05
(As of 17 Apr 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 520.49
Empire Life 510.93
Canada Life 499.06
Great-West Life 499.06
London Life 499.06
(As of 17 Apr 14)
Age: 70
Equitable Life 672.62
Sun Life Assurance Co 649.87
Desjardins Fin. Security647.25
RBC Life Insurance 645.26
BMO Insurance 638.09
(As of 18 Apr 14)
Age: 75
Equitable Life 783.21
Sun Life Assurance Co 760.57
RBC Life Insurance 757.21
Desjardins Fin. Security749.93
BMO Insurance 748.97
(As of 18 Apr 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 474.46
Empire Life 466.53
Standard Life 464.46
Great-West Life 459.43
London Life 459.43
(As of 17 Apr 14)
Age: 70
Equitable Life 606.50
Standard Life 594.73
Sun Life Assurance Co 591.32
Desjardins Fin. Security577.06
Empire Life 575.50
(As of 18 Apr 14)
Age: 75
Equitable Life 706.10
Sun Life Assurance Co 688.32
RBC Life Insurance 684.17
Desjardins Fin. Security670.04
Empire Life 667.03
(As of 18 Apr 14)