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 1.00
Rapport Credit Union 0.50
Pacific & Western Bank 0.40
Canadian Western Bank 0.35
National Bank 0.30
(As of 29 Jul 15)
1 Year
Community Trust 2.07
Effort Trust 1.60
Home Trust Company 1.55
MCAN Mortgage Corp. 1.50
Canadian Western Trust 1.40
(As of 30 Jul 15)
5 Years
Community Trust 2.35
HomEquity Bank 2.10
Effort Trust 2.10
General Bank of Canada 2.05
Home Trust Company 2.05
(As of 30 Jul 15)
Savings
Annual rates for Savings account.
1 Year, $5,000
PACE Savings & Credit Un1.25
Alterna Bank 0.82
Alterna Savings 0.82
Rapport Credit Union 0.80
Royal Bank of Canada 0.65
(As of 20 Jul 15)
Chequing
Annual rates for Chequing account.
1 Year, $5,000
CIBC 0.65
Peace Hills Trust 0.20
Laurentian Bank Canada 0.20
Parama Credit Union 0.03
(As of 23 Jul 15)
RRIFs
Rates posted for one, three- and five-year RRIFs paid annually.
1 Year, $10,000
Oaken Financial 1.95
Home Trust Company 1.55
Rapport Credit Union 1.00
(As of 29 Jul 15)
3 Years, $10,000
Oaken Financial 2.15
Home Trust Company 1.75
Rapport Credit Union 1.40
(As of 29 Jul 15)
5 Years, $10,000
Oaken Financial 2.50
Home Trust Company 2.05
Rapport Credit Union 1.90
(As of 29 Jul 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 473.36
BMO Insurance 460.27
Empire Life 458.08
RBC Life Insurance 446.50
Desjardins Fin. Security445.92
(As of 31 Jul 15)
Age: 70
Equitable Life 629.35
BMO Insurance 623.58
Sun Life Assurance Co 606.34
Desjardins Fin. Security600.22
RBC Life Insurance 598.56
(As of 31 Jul 15)
Age: 75
BMO Insurance 738.65
Equitable Life 732.71
Sun Life Assurance Co 698.98
Desjardins Fin. Security695.23
RBC Life Insurance 693.12
(As of 31 Jul 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 440.00
BMO Insurance 420.39
Manulife Investments 418.88
Empire Life 415.92
London Life 414.39
(As of 30 Jul 15)
Age: 70
Equitable Life 563.50
BMO Insurance 550.41
Sun Life Assurance Co 541.20
RBC Life Insurance 532.35
Desjardins Fin. Security531.50
(As of 31 Jul 15)
Age: 75
Equitable Life 657.24
BMO Insurance 636.69
Sun Life Assurance Co 626.10
RBC Life Insurance 619.19
Empire Life 617.68
(As of 31 Jul 15)