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 19 Dec 14)
1 Year
Community Trust 2.35
MCAN Mortgage Corp. 1.70
General Bank of Canada 1.66
Effort Trust 1.65
Home Trust Company 1.65
(As of 19 Dec 14)
5 Years
Community Trust 3.00
HomEquity Bank 2.57
General Bank of Canada 2.51
Effort Trust 2.50
Home Trust Company 2.45
(As of 19 Dec 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 1.65
Ontario Civil Service CU1.30
(As of 19 Dec 14)
3 Years, $10,000
Oaken Financial 2.65
Home Trust Company 2.05
Ontario Civil Service CU1.50
(As of 19 Dec 14)
5 Years, $10,000
Oaken Financial 3.05
Home Trust Company 2.45
Ontario Civil Service CU2.05
(As of 19 Dec 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
Canada Life 478.13
Great-West Life 478.13
London Life 478.13
BMO Insurance 476.63
(As of 17 Dec 14)
Age: 70
Equitable Life 640.78
BMO Insurance 640.04
Sun Life Assurance Co 635.29
Desjardins Fin. Security620.63
RBC Life Insurance 611.95
(As of 19 Dec 14)
Age: 75
BMO Insurance 771.47
Equitable Life 742.00
Sun Life Assurance Co 734.64
RBC Life Insurance 729.19
Desjardins Fin. Security721.12
(As of 19 Dec 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 449.64
Canada Life 442.13
Great-West Life 442.13
London Life 442.13
BMO Insurance 436.68
(As of 17 Dec 14)
Age: 70
Equitable Life 574.22
Sun Life Assurance Co 567.07
BMO Insurance 566.74
Standard Life 556.58
Desjardins Fin. Security550.92
(As of 19 Dec 14)
Age: 75
BMO Insurance 669.14
Equitable Life 668.88
Sun Life Assurance Co 657.76
RBC Life Insurance 651.37
Desjardins Fin. Security641.71
(As of 19 Dec 14)