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 26 Aug 15)
1 Year
Home Trust Company 1.75
Canadian Western Trust 1.72
MCAN Mortgage Corp. 1.70
Effort Trust 1.70
General Bank of Canada 1.60
(As of 28 Aug 15)
5 Years
General Bank of Canada 2.21
Home Trust Company 2.21
HomEquity Bank 2.15
Canadian Western Trust 2.15
Community Trust 2.15
(As of 28 Aug 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 1.75
Rapport Credit Union 1.00
(As of 25 Aug 15)
3 Years, $10,000
Oaken Financial 2.15
Home Trust Company 1.91
Rapport Credit Union 1.40
(As of 25 Aug 15)
5 Years, $10,000
Oaken Financial 2.50
Home Trust Company 2.21
Rapport Credit Union 1.90
(As of 25 Aug 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 473.41
Empire Life 451.97
BMO Insurance 449.62
Desjardins Fin. Security445.89
RBC Life Insurance 439.45
(As of 28 Aug 15)
Age: 70
Equitable Life 627.20
BMO Insurance 613.08
Desjardins Fin. Security600.18
RBC Life Insurance 590.81
Sun Life Assurance Co 590.02
(As of 28 Aug 15)
Age: 75
Equitable Life 736.68
BMO Insurance 735.99
Desjardins Fin. Security695.19
RBC Life Insurance 687.01
Sun Life Assurance Co 668.54
(As of 28 Aug 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 442.77
Manulife Investments 418.16
Empire Life 410.05
BMO Insurance 409.81
Great-West Life 407.60
(As of 28 Aug 15)
Age: 70
Equitable Life 557.18
BMO Insurance 540.03
Desjardins Fin. Security531.46
Sun Life Assurance Co 526.88
Standard Life 526.69
(As of 28 Aug 15)
Age: 75
Equitable Life 650.41
BMO Insurance 634.08
Desjardins Fin. Security616.92
Empire Life 611.50
RBC Life Insurance 607.87
(As of 28 Aug 15)