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
Ontario Civil Service CU0.60
Pacific & Western Bank 0.40
National Bank 0.40
Fiducie Desjardins 0.40
(As of 3 Mar 15)
1 Year
General Bank of Canada 1.55
Home Trust Company 1.52
Effort Trust 1.50
Community Trust 1.40
MCAN Mortgage Corp. 1.35
(As of 5 Mar 15)
5 Years
Community Trust 2.20
General Bank of Canada 2.06
Home Trust Company 2.06
Effort Trust 2.05
Canadian Western Trust 1.95
(As of 5 Mar 15)
Savings
Annual rates for Savings account.
1 Year, $5,000
PACE Savings & Credit Un1.25
Alterna Bank 0.95
Alterna Savings 0.95
BMO Bank of Montreal 0.80
Bank of Nova Scotia 0.80
(As of 31 Jan 15)
Chequing
Annual rates for Chequing account.
1 Year, $5,000
CIBC 0.85
Peace Hills Trust 0.20
Laurentian Bank Canada 0.20
Parama Credit Union 0.03
(As of 21 Feb 15)
RRIFs
Rates posted for one, three- and five-year RRIFs paid annually.
1 Year, $10,000
Oaken Financial 1.80
Home Trust Company 1.52
Ontario Civil Service CU1.30
(As of 26 Feb 15)
3 Years, $10,000
Oaken Financial 2.15
Home Trust Company 1.80
Ontario Civil Service CU1.50
(As of 26 Feb 15)
5 Years, $10,000
Oaken Financial 2.30
Home Trust Company 2.06
Ontario Civil Service CU2.05
(As of 26 Feb 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 454.51
BMO Insurance 452.58
Empire Life 448.81
Sun Life Assurance Co 440.18
Desjardins Fin. Security437.99
(As of 6 Mar 15)
Age: 70
BMO Insurance 616.46
Equitable Life 612.35
Sun Life Assurance Co 608.46
RBC Life Insurance 595.57
Desjardins Fin. Security592.34
(As of 6 Mar 15)
Age: 75
BMO Insurance 748.11
Equitable Life 709.01
Sun Life Assurance Co 707.30
RBC Life Insurance 695.72
Desjardins Fin. Security687.46
(As of 6 Mar 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 421.55
BMO Insurance 412.75
Canada Life 407.60
Great-West Life 407.60
London Life 407.60
(As of 5 Mar 15)
Age: 70
Equitable Life 547.53
BMO Insurance 543.37
Sun Life Assurance Co 542.25
Great-West Life 529.68
London Life 529.68
(As of 6 Mar 15)
Age: 75
BMO Insurance 646.04
Sun Life Assurance Co 632.29
Equitable Life 630.85
RBC Life Insurance 619.93
Desjardins Fin. Security609.35
(As of 6 Mar 15)