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 1.20
Peoples Trust 1.15
Meridian Credit Union 0.65
Ontario Civil Service CU0.60
Bank of Montreal 0.60
(As of 23 Jan 15)
1 Year
General Bank of Canada 1.82
Effort Trust 1.80
Home Trust Company 1.70
MCAN Mortgage Corp. 1.65
Peoples Trust 1.55
(As of 23 Jan 15)
5 Years
Effort Trust 2.50
General Bank of Canada 2.40
Community Trust 2.40
Home Trust Company 2.35
HomEquity Bank 2.25
(As of 23 Jan 15)
Savings
Annual rates for Savings account.
1 Year, $5,000
PACE Savings & Credit Un1.25
Alterna Bank 1.10
Alterna Savings 1.10
BMO Bank of Montreal 1.05
Bank of Nova Scotia 1.05
(As of 15 Oct 14)
Chequing
Annual rates for Chequing account.
1 Year, $5,000
CIBC 0.85
Peace Hills Trust 0.20
Laurentian Bank Canada 0.20
Parama Credit Union 0.10
(As of 23 Jan 15)
RRIFs
Rates posted for one, three- and five-year RRIFs paid annually.
1 Year, $10,000
Oaken Financial 2.05
Home Trust Company 1.70
Ontario Civil Service CU1.30
(As of 23 Jan 15)
3 Years, $10,000
Oaken Financial 2.40
Home Trust Company 2.05
Ontario Civil Service CU1.50
(As of 23 Jan 15)
5 Years, $10,000
Oaken Financial 2.80
Home Trust Company 2.35
Ontario Civil Service CU2.05
(As of 23 Jan 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 468.94
BMO Insurance 468.56
Empire Life 459.74
Desjardins Fin. Security451.19
London Life 449.71
(As of 22 Jan 15)
Age: 70
BMO Insurance 632.15
Equitable Life 615.09
Desjardins Fin. Security605.43
RBC Life Insurance 602.31
Sun Life Assurance Co 602.25
(As of 23 Jan 15)
Age: 75
BMO Insurance 763.66
Equitable Life 718.20
RBC Life Insurance 703.57
Desjardins Fin. Security702.94
Sun Life Assurance Co 701.56
(As of 23 Jan 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
BMO Insurance 428.64
Equitable Life 426.20
Canada Life 417.69
Great-West Life 417.69
London Life 417.69
(As of 22 Jan 15)
Age: 70
BMO Insurance 558.91
Equitable Life 544.86
Standard Life 539.99
Desjardins Fin. Security536.59
London Life 536.18
(As of 22 Jan 15)
Age: 75
BMO Insurance 661.41
Equitable Life 642.46
RBC Life Insurance 626.99
Sun Life Assurance Co 626.41
Desjardins Fin. Security624.51
(As of 23 Jan 15)