For Canadian savers with funds approaching maturity

Compare Current GIC Options Before You Renew

Tell us your province, deposit amount and preferred term. We'll review currently available options and, where appropriate, connect you with a relevant provider, deposit broker or licensed representative.

  • One- to five-year terms
  • Registered and non-registered options
  • Free review with no obligation

Rates and eligibility must be confirmed before purchase. GICRateCompare.com is an independent inquiry and comparison service, not a bank or financial adviser.

Free GIC review
Step 1 of 6

What province or territory do you live in?

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Featured options

Fixed-Term GIC Options Currently Under Review

Indicative one- to five-year fixed-term options. Provider names are shown as anonymised labels until eligibility is confirmed.

1 year term
Verified Provider – Trust Company
4.95%
Fixed rate
Product type
Non-redeemable
Minimum deposit
$50,000
Deposit protection
CDIC member institution
Last verified
June 15, 2026

Availability depends on province, deposit amount, account type and provider eligibility. Rate must be confirmed before purchase.

Check Current Availability
4 years term
Verified Provider – Deposit Broker Panel
5.25%
Fixed rate
Product type
Non-redeemable
Minimum deposit
$50,000
Deposit protection
Coverage applies per issuer
Last verified
June 21, 2026

Availability depends on province, deposit amount, account type and provider eligibility. Rate must be confirmed before purchase.

Check Current Availability
5 years term
Verified Provider – Schedule I Bank
5.35%
Fixed rate
Product type
Non-redeemable
Minimum deposit
$50,000
Deposit protection
CDIC member institution
Last verified
June 18, 2026

Availability depends on province, deposit amount, account type and provider eligibility. Rate must be confirmed before purchase.

Check Current Availability

Featured products may have higher minimum-deposit requirements. Rates and provider availability vary according to deposit amount, province, account type and term.

Displayed rates are subject to change and must be confirmed before purchase. Availability may depend on province, deposit amount, account type, term and provider eligibility.

Before you renew

Your Existing GIC May Renew Automatically

Some GICs automatically renew into a new term at the rate available on the maturity date. Comparing options before renewal may give you more control over the term, provider and rate you select.

How it works

A three-step process

  1. 1
    Tell Us What You Need

    Select your province, deposit amount, account type and preferred term.

  2. 2
    We Review Available Options

    Your requirements are compared with the types of GIC options currently available.

  3. 3
    Confirm the Details

    Where appropriate, a provider, deposit broker or licensed representative may contact you to confirm rates, eligibility and next steps.

Submitting an inquiry does not commit you to purchasing a GIC.

Free review

Request a review of available GIC options

Share your province, deposit amount, account type and preferred term. There is no cost and no obligation to proceed.

GICRateCompare.com is an independent GIC comparison and inquiry service. We are not a bank, credit union or financial adviser. We do not accept deposits or open accounts. Information submitted through the website may be shared with a relevant provider, deposit broker or licensed representative.

We may receive compensation if an inquiry results in a referral or completed placement. See our Privacy Policy.

We will never ask for your online banking password or SIN through this form.

Free to use. No obligation. A specialist will follow up with you shortly.

Submitting this form does not guarantee access to any specific GIC rate, product, provider, or institution.

Understand How Deposit Protection Works

Eligible deposits at CDIC member institutions are insured separately within applicable coverage categories, generally up to $100,000 including principal and interest. Provincial credit-union coverage varies by province. Always confirm the issuer and applicable protection before depositing funds.

CDIC Member Institutions

Eligible deposits may be protected within applicable CDIC coverage categories.

Provincial Credit Unions

Coverage rules and limits vary by province.

Confirm Before Depositing

Always verify the issuer, product structure and applicable coverage.

FAQ

Common questions

Is GICRateCompare.com a bank?

No. GICRateCompare.com is an independent GIC comparison and inquiry service. We are not a bank, credit union or financial adviser. We do not accept deposits or open accounts.

Are displayed rates guaranteed?

No. Displayed rates are indicative and subject to change without notice. Rates, eligibility and availability must be confirmed with the issuer before purchase.

Is the service free?

Yes. Comparing options and submitting an inquiry is free for users. We may receive compensation if an inquiry is referred to a provider, deposit broker or licensed representative.

Will my information be shared?

Information submitted through the website may be shared with a relevant provider, deposit broker or licensed representative so they can respond to your request. See our Privacy Policy for details.

Are all GICs CDIC insured?

No. Deposit protection depends on the issuer, product, account category and jurisdiction. Eligible deposits at CDIC member institutions are insured within applicable coverage categories; provincial credit-union coverage varies by province.

What deposit amount is required?

Minimum deposits vary by product and provider. Some featured products require $50,000 or more. Inquiries below that amount are still welcome, but featured rates and providers can differ.

Funds approaching maturity?

Review currently available one- to five-year GIC options before your existing term renews.

Free review · No obligation
Check Current Options