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 CU0.50
Pacific & Western Bank 0.40
National Bank 0.40
Fiducie Desjardins 0.40
(As of 24 Apr 15)
1 Year
Community Trust 1.65
General Bank of Canada 1.61
Home Trust Company 1.61
MCAN Mortgage Corp. 1.60
Effort Trust 1.50
(As of 24 Apr 15)
5 Years
Community Trust 2.25
Home Trust Company 2.11
General Bank of Canada 2.10
HomEquity Bank 2.00
Effort Trust 2.00
(As of 24 Apr 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 0.80
Peace Hills Trust 0.20
Laurentian Bank Canada 0.20
Parama Credit Union 0.03
(As of 1 Apr 15)
RRIFs
Rates posted for one, three- and five-year RRIFs paid annually.
1 Year, $10,000
Oaken Financial 1.90
Home Trust Company 1.61
Ontario Civil Service CU1.00
(As of 24 Apr 15)
3 Years, $10,000
Oaken Financial 2.15
Home Trust Company 1.87
Ontario Civil Service CU1.40
(As of 24 Apr 15)
5 Years, $10,000
Oaken Financial 2.30
Home Trust Company 2.11
Ontario Civil Service CU1.90
(As of 24 Apr 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 455.62
BMO Insurance 452.58
Empire Life 448.07
Desjardins Fin. Security437.99
Sun Life Assurance Co 436.52
(As of 24 Apr 15)
Age: 70
Equitable Life 628.86
BMO Insurance 608.98
Sun Life Assurance Co 602.68
Desjardins Fin. Security592.34
RBC Life Insurance 586.79
(As of 24 Apr 15)
Age: 75
BMO Insurance 725.31
Equitable Life 723.62
Sun Life Assurance Co 696.78
RBC Life Insurance 690.96
Desjardins Fin. Security687.46
(As of 24 Apr 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 419.64
BMO Insurance 412.75
Empire Life 406.19
Sun Life Assurance Co 400.33
Manulife Investments 400.06
(As of 24 Apr 15)
Age: 70
Equitable Life 556.10
Sun Life Assurance Co 536.90
BMO Insurance 535.97
Desjardins Fin. Security523.79
London Life 516.69
(As of 24 Apr 15)
Age: 75
Equitable Life 645.11
BMO Insurance 623.56
Sun Life Assurance Co 623.05
RBC Life Insurance 616.36
Desjardins Fin. Security609.35
(As of 24 Apr 15)