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
Rapport Credit Union 0.50
Pacific & Western Bank 0.40
National Bank 0.40
Fiducie Desjardins 0.40
(As of 6 Jul 15)
1 Year
Effort Trust 1.80
Community Trust 1.80
General Bank of Canada 1.71
Home Trust Company 1.70
MCAN Mortgage Corp. 1.65
(As of 6 Jul 15)
5 Years
General Bank of Canada 2.31
Home Trust Company 2.31
Canadian Western Trust 2.27
HomEquity Bank 2.25
Community Trust 2.10
(As of 6 Jul 15)
Savings
Annual rates for Savings account.
1 Year, $5,000
PACE Savings & Credit Un1.25
Alterna Bank 0.95
Alterna Savings 0.95
T-D Mortgage 0.80
Royal Bank of Canada 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 1.95
Home Trust Company 1.70
Rapport Credit Union 1.00
(As of 2 Jul 15)
3 Years, $10,000
Oaken Financial 2.15
Home Trust Company 1.96
Rapport Credit Union 1.40
(As of 2 Jul 15)
5 Years, $10,000
Oaken Financial 2.50
Home Trust Company 2.31
Rapport Credit Union 1.90
(As of 2 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 476.21
Empire Life 458.08
Desjardins Fin. Security456.51
BMO Insurance 452.58
Sun Life Assurance Co 448.41
(As of 4 Jul 15)
Age: 70
Equitable Life 636.61
RBC Life Insurance 612.73
Sun Life Assurance Co 612.53
Desjardins Fin. Security610.69
BMO Insurance 608.98
(As of 4 Jul 15)
Age: 75
Equitable Life 737.77
BMO Insurance 725.31
RBC Life Insurance 706.58
Desjardins Fin. Security705.53
Sun Life Assurance Co 704.91
(As of 4 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 439.99
Manulife Investments 418.16
Empire Life 415.92
BMO Insurance 412.75
Desjardins Fin. Security412.47
(As of 3 Jul 15)
Age: 70
Equitable Life 570.12
Sun Life Assurance Co 547.37
RBC Life Insurance 544.43
Desjardins Fin. Security541.74
BMO Insurance 535.97
(As of 4 Jul 15)
Age: 75
Equitable Life 661.05
RBC Life Insurance 632.60
Sun Life Assurance Co 632.08
Desjardins Fin. Security627.05
BMO Insurance 623.56
(As of 4 Jul 15)