Three-year GICs are a common middle-of-the-ladder choice. Compare available three-year fixed-term options, minimum deposits and account eligibility.
Last updated: August 18, 2026 · Reviewed by GICRateCompare editorial team
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GICRateCompare.com compares fixed-term, non-redeemable GIC options only. Cashable and redeemable GICs exist in the wider Canadian market but are not offered through this service.
Last verified August 18, 2026
Each 3-year option shown carries the term, indicative rate, minimum deposit, account eligibility, province availability and the date the rate information was last verified.
Rates that have not been reviewed within the last two weeks are flagged for reconfirmation, and where no reliable figure is available the option is shown as "rate available on request" rather than estimated.
GICRateCompare.com compares fixed-term, non-redeemable GIC options only. Cashable and redeemable GICs exist in the wider Canadian market, but they are not offered through this service.
Fixed-term, non-redeemable GICs generally require funds to remain invested until maturity. If you may need access before then, a shorter term or a laddered approach may be more appropriate.
No. Rates displayed on this site are indicative and subject to change. The rate, eligibility and product terms must be confirmed with the issuing institution before any funds are placed.
Registered eligibility varies by product and provider. Each listing shows the account types the option may be available for, and eligibility is confirmed before an application proceeds.
Where a suitable option is identified, a participating provider, deposit broker or licensed representative may contact you to discuss available GIC options.
Rates are subject to change and may depend on deposit amount, province, account type, eligibility and provider availability. Displayed rates are indicative and must be confirmed before any funds are placed.