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corporate GICs

Corporate GIC Rates in Canada

Businesses holding surplus cash often use fixed-term GICs for capital they do not need immediately. Compare options that may be available for corporate, trust and estate funds.

Last updated: August 18, 2026 · Reviewed by GICRateCompare editorial team

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Fixed-term options currently under review

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.

Rates last reviewed: August 18, 2026All options shown are fixed-term, non-redeemable GICs.
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.
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.
How we collect and verify rates
Available through participating provider
Bank · Non-redeemable
5.35%
Fixed · indicative
5 years
Min deposit
$50,000
Last verified
August 18, 2026
Account eligibility
Non-registered, TFSA, RRSP, RRIF, FHSA, Corporate
Deposit protection
CDIC member institution (eligibility rules apply)

Last verified August 18, 2026

Available through participating provider
Broker · Non-redeemable
5.25%
Fixed · indicative
4 years
Min deposit
$50,000
Last verified
August 18, 2026
Account eligibility
Non-registered, TFSA, RRSP, RRIF, Corporate, Trust, Estate
Deposit protection
Any coverage applies per issuer

Last verified August 18, 2026

Available through participating provider
Credit Union · Non-redeemable
5.15%
Fixed · indicative
3 years
Min deposit
$50,000
Last verified
August 18, 2026
Account eligibility
Non-registered, TFSA, RRSP, RRIF, RESP
Deposit protection
Provincial credit-union coverage may apply

Last verified August 18, 2026

Available through participating provider
Bank · Non-redeemable
5.05%
Fixed · indicative
2 years
Min deposit
$50,000
Last verified
August 18, 2026
Account eligibility
Non-registered, TFSA, RRSP, Corporate
Deposit protection
CDIC member institution (eligibility rules apply)

Last verified August 18, 2026

Available through participating provider
Trust Company · Non-redeemable
4.95%
Fixed · indicative
1 year
Min deposit
$50,000
Last verified
August 18, 2026
Account eligibility
Non-registered, TFSA, RRSP, RRIF, FHSA
Deposit protection
CDIC member institution (eligibility rules apply)

Last verified August 18, 2026

How corporate GIC deposits differ

  • Corporate applications usually require incorporation documents, signing authority and identification for signing officers.
  • Interest earned in a corporation is taxed differently from personal interest — speak to your accountant.
  • Larger deposits may exceed single-institution deposit protection limits.
  • Some options are placed across more than one issuer through a deposit-broker channel.

Questions to work through before applying

  • How much of the balance is genuinely surplus for the full term.
  • Whether staggered maturities suit your working-capital cycle better than a single term.
  • Which signing officers must authorise the deposit.
  • How deposit protection applies across the issuers used.

Before you proceed

Account registration rules are set by the issuing institution and the Canada Revenue Agency, not by GICRateCompare.com. Confirm contribution room, transfer procedures and product eligibility before moving funds.

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.

Common questions

Can a holding company purchase a GIC?

Corporate deposits are commonly accepted, subject to the institution's onboarding requirements and documentation.

How is deposit protection handled for larger corporate balances?

Coverage limits apply per member institution and per eligible category. Larger balances are sometimes split across issuers; confirm how any coverage applies to your deposit.

Is tax advice provided?

No. GICRateCompare.com does not provide tax, legal or individualized financial advice. Speak with your accountant about the treatment of corporate interest income.

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.

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