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 14 Aug 14)
1 Year
Home Trust Company 2.00
CFF Bank 1.95
Effort Trust 1.85
MCAN Mortgage Corp. 1.80
General Bank of Canada 1.75
(As of 19 Aug 14)
5 Years
Community Trust 2.65
HomEquity Bank 2.50
Effort Trust 2.50
Home Trust Company 2.50
General Bank of Canada 2.45
(As of 19 Aug 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
Effort Trust 1.85
Ontario Civil Service CU1.30
(As of 14 Aug 14)
3 Years, $10,000
Oaken Financial 2.40
Effort Trust 2.25
Home Trust Company 2.20
Ontario Civil Service CU1.50
(As of 14 Aug 14)
5 Years, $10,000
Oaken Financial 2.90
Effort Trust 2.50
Home Trust Company 2.50
Ontario Civil Service CU2.05
(As of 14 Aug 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
BMO Insurance 492.92
Equitable Life 491.07
Empire Life 489.33
Desjardins Fin. Security481.88
London Life 478.13
(As of 14 Aug 14)
Age: 70
BMO Insurance 655.92
Equitable Life 650.79
Desjardins Fin. Security636.56
Sun Life Assurance Co 629.54
RBC Life Insurance 627.60
(As of 19 Aug 14)
Age: 75
BMO Insurance 787.15
Equitable Life 752.39
Sun Life Assurance Co 738.59
RBC Life Insurance 735.78
Desjardins Fin. Security734.18
(As of 19 Aug 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
BMO Insurance 452.92
Equitable Life 451.88
Empire Life 445.55
Standard Life 443.61
London Life 438.65
(As of 15 Aug 14)
Age: 70
BMO Insurance 582.51
Equitable Life 578.02
Standard Life 574.48
Sun Life Assurance Co 570.88
Desjardins Fin. Security566.55
(As of 19 Aug 14)
Age: 75
BMO Insurance 684.69
Equitable Life 668.88
Sun Life Assurance Co 663.27
RBC Life Insurance 659.63
Desjardins Fin. Security654.54
(As of 19 Aug 14)