GICs
Compare GIC rates by term, from 90 days to 10 years, including redeemable and registered GICs and CDIC coverage.
| Product | Provider | Term | Rate |
|---|---|---|---|
| Oaken Financial 30-Day Non-Redeemable GIC | Oaken Financial | 30-Day | 1% |
| DUCA Credit Union 90-Day Non-Redeemable GIC | DUCA Credit Union | 90-Day | 3% |
| EQ Bank 90-Day Non-Redeemable GIC | EQ Bank | 90-Day | 2.55% |
| Tangerine 90-Day Non-Redeemable GIC | Tangerine | 90-Day | 2.5% |
| RBC Royal Bank 90-Day Non-Redeemable GIC | RBC Royal Bank | 90-Day | 2.4% |
| RBC Royal Bank 90-Day Redeemable GIC | RBC Royal Bank | 90-Day | 2.15% |
| CIBC 90-Day Non-Redeemable GIC | CIBC | 90-Day | 2.1% |
| TD Bank 90-Day Non-Redeemable GIC | TD Bank | 90-Day | 1.8% |
| Bank of Montreal 90-Day Non-Redeemable GIC | Bank of Montreal | 90-Day | 1.75% |
| Tangerine 90-Day Redeemable GIC | Tangerine | 90-Day | 1.5% |
| Oaken Financial 90-Day Non-Redeemable GIC | Oaken Financial | 90-Day | 1% |
| TD Bank 90-Day Redeemable GIC | TD Bank | 90-Day | 0.35% |
| Oaken Financial 120-Day Non-Redeemable GIC | Oaken Financial | 120-Day | 1% |
| EQ Bank 180-Day Non-Redeemable GIC | EQ Bank | 180-Day | 2.8% |
| Haventree Bank 1-Year Non-Redeemable GIC | Haventree Bank | 1-Year | 4% |
| Oaken Financial 1-Year Non-Redeemable GIC | Oaken Financial | 1-Year | 3.8% |
| Achieva Financial 1-Year Non-Redeemable GIC | Achieva Savings | 1-Year | 3.7% |
| Saven Financial 1-Year Non-Redeemable GIC | Saven Financial | 1-Year | 3.7% |
| EQ Bank 1-Year Non-Redeemable GIC | EQ Bank | 1-Year | 3.7% |
| MCAN Wealth 1-Year Non-Redeemable GIC | MCAN Wealth | 1-Year | 3.65% |
| Tangerine 1-Year Non-Redeemable GIC | Tangerine | 1-Year | 3.6% |
| WFCU Credit Union 1-Year Non-Redeemable GIC | WFCU Credit Union | 1-Year | 3.3% |
| DUCA Credit Union 1-Year Non-Redeemable GIC | DUCA Credit Union | 1-Year | 3.2% |
| Bank of Montreal 1-Year Non-Redeemable GIC | Bank of Montreal | 1-Year | 3% |
| TD Bank 1-Year Non-Redeemable GIC | TD Bank | 1-Year | 3% |
| RBC Royal Bank 1-Year Non-Redeemable GIC | RBC Royal Bank | 1-Year | 3% |
| WFCU Credit Union 1-Year Redeemable GIC | WFCU Credit Union | 1-Year | 2.75% |
| CIBC 1-Year Non-Redeemable GIC | CIBC | 1-Year | 2.45% |
| RBC Royal Bank 1-Year Redeemable GIC | RBC Royal Bank | 1-Year | 2.35% |
| CIBC 1-Year Redeemable GIC | CIBC | 1-Year | 2% |
| Ganaraska Financial Credit Union 1-Year Non-Redeemable GIC | Ganaraska Financial Credit Union | 1-Year | 1.85% |
| Oaken Financial 2-Year Non-Redeemable GIC | Oaken Financial | 2-Year | 4.25% |
| Haventree Bank 2-Year Non-Redeemable GIC | Haventree Bank | 2-Year | 4.2% |
| Haventree Bank 3-Year Non-Redeemable GIC | Haventree Bank | 3-Year | 4.3% |
| Achieva Financial 3-Year Non-Redeemable GIC | Achieva Savings | 3-Year | 3.9% |
| Oaken Financial 4-Year Non-Redeemable GIC | Oaken Financial | 4-Year | 4.35% |
| Oaken Financial 5-Year Non-Redeemable GIC | Oaken Financial | 5-Year | 4.5% |
| Haventree Bank 5-Year Non-Redeemable GIC | Haventree Bank | 5-Year | 4.45% |
| Ganaraska Financial Credit Union 5-Year Non-Redeemable GIC | Ganaraska Financial Credit Union | 5-Year | 4.4% |
| Saven Financial 5-Year Non-Redeemable GIC | Saven Financial | 5-Year | 4.35% |
| Tangerine 5-Year Non-Redeemable GIC | Tangerine | 5-Year | 4.25% |
| MCAN Wealth 5-Year Non-Redeemable GIC | MCAN Wealth | 5-Year | 4.05% |
| DUCA Credit Union 5-Year Non-Redeemable GIC | DUCA Credit Union | 5-Year | 3.85% |
| Bank of Montreal 5-Year Non-Redeemable GIC | Bank of Montreal | 5-Year | 3.55% |
| TD Bank 5-Year Non-Redeemable GIC | TD Bank | 5-Year | 3.55% |
| CIBC 5-Year Non-Redeemable GIC | CIBC | 5-Year | 2.75% |
| RBC Royal Bank 5-Year Non-Redeemable GIC | RBC Royal Bank | 5-Year | 2.75% |
| RBC Royal Bank 5-Year Redeemable GIC | RBC Royal Bank | 5-Year | 2.65% |
| EQ Bank 10-Year Non-Redeemable GIC | EQ Bank | 10-Year | 2.35% |
GIC laddering: A beginner’s guide
GIC laddering splits your savings across several GICs with staggered maturity dates, so you earn long-term rates without locking away all your money at once. Here is how to build one.
GIC laddering splits your savings across several GICs with staggered maturity dates, so you earn long-term rates without locking away all your money at once. Here is how to build one.