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 30 Sep 14)
1 Year
Effort Trust 2.05
MCAN Mortgage Corp. 2.00
Home Trust Company 2.00
CFF Bank 1.85
Community Trust 1.75
(As of 30 Sep 14)
5 Years
Community Trust 2.65
Effort Trust 2.60
Home Trust Company 2.60
HomEquity Bank 2.55
General Bank of Canada 2.40
(As of 1 Oct 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 2.00
Home Trust Company 2.00
Ontario Civil Service CU1.30
(As of 30 Sep 14)
3 Years, $10,000
Oaken Financial 2.40
Home Trust Company 2.30
Ontario Civil Service CU1.50
(As of 30 Sep 14)
5 Years, $10,000
Oaken Financial 2.80
Home Trust Company 2.60
Ontario Civil Service CU2.05
(As of 30 Sep 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 497.59
BMO Insurance 492.92
Empire Life 489.33
Desjardins Fin. Security484.60
Sun Life Assurance Co 478.57
(As of 1 Oct 14)
Age: 70
Equitable Life 656.37
BMO Insurance 655.92
Sun Life Assurance Co 647.41
Desjardins Fin. Security639.23
RBC Life Insurance 632.84
(As of 1 Oct 14)
Age: 75
BMO Insurance 787.15
Equitable Life 761.71
Sun Life Assurance Co 745.60
RBC Life Insurance 739.79
Desjardins Fin. Security736.80
(As of 1 Oct 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 454.12
BMO Insurance 452.92
Empire Life 445.55
Standard Life 445.26
Sun Life Assurance Co 441.09
(As of 1 Oct 14)
Age: 70
Equitable Life 587.83
BMO Insurance 582.51
Sun Life Assurance Co 579.47
Standard Life 570.35
Desjardins Fin. Security569.17
(As of 1 Oct 14)
Age: 75
Equitable Life 688.77
BMO Insurance 684.69
Sun Life Assurance Co 669.17
RBC Life Insurance 663.41
Desjardins Fin. Security657.11
(As of 1 Oct 14)