Rates

Compare GIC Options by Term, Province, and Account Type

GIC rates may vary depending on provider, term length, province, account type, deposit amount, and whether funds are new or existing. Use the filters below to review available options, then request a rate review to verify current availability.

TermDeposit amountGIC typeProvinceEligibilitySort by

Term	Indicative rate	Provider	Account types	Min. deposit	Availability	Last verified
5 years Redeemable	5.35% Fixed	Verified Provider – Redeemable GIC Issuer Verified Trust Company	Non-registered	$50,000 CDIC member institution	All provinces & territories	July 3, 2026
5 years Non-redeemable	5.35% Fixed	Verified Provider – Schedule I Bank Verified Bank	Non-registered, TFSA, RRSP, RRIF, FHSA, Corporate	$50,000 CDIC member institution	All provinces & territories	June 18, 2026
5 years Escalating rate	5.35% Escalating	Verified Provider – Escalating GIC Issuer Verified Bank	Non-registered, TFSA, RRSP	$50,000 CDIC member institution	All provinces & territories	June 10, 2026
4 years Redeemable	5.25% Fixed	Verified Provider – Redeemable GIC Issuer Verified Trust Company	Non-registered	$50,000 CDIC member institution	All provinces & territories	July 3, 2026
4 years Non-redeemable	5.25% Fixed	Verified Provider – Deposit Broker Panel Verified Broker	Non-registered, TFSA, RRSP, RRIF, Corporate, Trust, Estate	$50,000 Coverage applies per issuer	All provinces & territories	June 21, 2026
3 years Redeemable	5.15% Fixed	Verified Provider – Redeemable GIC Issuer Verified Trust Company	Non-registered	$50,000 CDIC member institution	All provinces & territories	July 3, 2026
3 years Non-redeemable	5.15% Fixed	Verified Provider – Credit Union Verified Credit Union	Non-registered, TFSA, RRSP, RRIF, RESP	$50,000 Provincial credit-union coverage	Ontario, British Columbia, Alberta	June 22, 2026
2 years Redeemable	5.05% Fixed	Verified Provider – Redeemable GIC Issuer Verified Trust Company	Non-registered	$50,000 CDIC member institution	All provinces & territories	July 3, 2026
2 years Non-redeemable	5.05% Fixed	Verified Provider – Schedule I Bank Verified Bank	Non-registered, TFSA, RRSP, Corporate	$50,000 CDIC member institution	All provinces & territories	June 20, 2026
1 year Redeemable	4.95% Fixed	Verified Provider – Redeemable GIC Issuer Verified Trust Company	Non-registered	$50,000 CDIC member institution	All provinces & territories	July 3, 2026
1 year Non-redeemable	4.95% Fixed	Verified Provider – Trust Company Verified Trust Company	Non-registered, TFSA, RRSP, RRIF, FHSA	$50,000 CDIC member institution	All provinces & territories	June 15, 2026
1 year Cashable	4.95% Fixed	Verified Provider – Trust Company Verified Trust Company	Non-registered, TFSA, RRSP	$50,000 CDIC member institution	All provinces & territories	June 25, 2026

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.

How We Review GIC Rates

Verified Provider – Redeemable GIC Issuer

Verified

Trust Company · Redeemable

5.35%

5 years

Min deposit: $50,000
Last verified: July 3, 2026
Deposit protection: CDIC member institution
Accounts: Non-registered
Interest: Annual, Compounded annually, At maturity

Verified Provider – Schedule I Bank

Verified

Bank · Non-redeemable

5.35%

5 years

Min deposit: $50,000
Last verified: June 18, 2026
Deposit protection: CDIC member institution
Accounts: Non-registered, TFSA, RRSP, RRIF, FHSA, Corporate
Interest: Monthly, Semi-annual, Annual, Compounded annually

Verified Provider – Escalating GIC Issuer

Verified

Bank · Escalating rate

5.35%

5 years

Min deposit: $50,000
Last verified: June 10, 2026
Deposit protection: CDIC member institution
Accounts: Non-registered, TFSA, RRSP
Interest: Annual, Compounded annually

Verified Provider – Redeemable GIC Issuer

Verified

Trust Company · Redeemable

5.25%

4 years

Min deposit: $50,000
Last verified: July 3, 2026
Deposit protection: CDIC member institution
Accounts: Non-registered
Interest: Annual, Compounded annually, At maturity

Verified Provider – Deposit Broker Panel

Verified

Broker · Non-redeemable

5.25%

4 years

Min deposit: $50,000
Last verified: June 21, 2026
Deposit protection: Coverage applies per issuer
Accounts: Non-registered, TFSA, RRSP, RRIF, Corporate, Trust, Estate
Interest: Monthly, Semi-annual, Annual, Compounded annually

Verified Provider – Redeemable GIC Issuer

Verified

Trust Company · Redeemable

5.15%

3 years

Min deposit: $50,000
Last verified: July 3, 2026
Deposit protection: CDIC member institution
Accounts: Non-registered
Interest: Annual, Compounded annually, At maturity

Verified Provider – Credit Union

Verified

Credit Union · Non-redeemable

5.15%

3 years

Min deposit: $50,000
Last verified: June 22, 2026
Deposit protection: Provincial credit-union coverage
Accounts: Non-registered, TFSA, RRSP, RRIF, RESP
Interest: Monthly, Annual, At maturity

Verified Provider – Redeemable GIC Issuer

Verified

Trust Company · Redeemable

5.05%

2 years

Min deposit: $50,000
Last verified: July 3, 2026
Deposit protection: CDIC member institution
Accounts: Non-registered
Interest: Annual, Compounded annually, At maturity

Verified Provider – Schedule I Bank

Verified

Bank · Non-redeemable

5.05%

2 years

Min deposit: $50,000
Last verified: June 20, 2026
Deposit protection: CDIC member institution
Accounts: Non-registered, TFSA, RRSP, Corporate
Interest: Semi-annual, Annual, Compounded annually

Verified Provider – Redeemable GIC Issuer

Verified

Trust Company · Redeemable

4.95%

1 year

Min deposit: $50,000
Last verified: July 3, 2026
Deposit protection: CDIC member institution
Accounts: Non-registered
Interest: Annual, Compounded annually, At maturity

Verified Provider – Trust Company

Verified

Trust Company · Non-redeemable

4.95%

1 year

Min deposit: $50,000
Last verified: June 15, 2026
Deposit protection: CDIC member institution
Accounts: Non-registered, TFSA, RRSP, RRIF, FHSA
Interest: Annual, Compounded annually, At maturity

Verified Provider – Trust Company

Verified

Trust Company · Cashable

4.95%

1 year

Min deposit: $50,000
Last verified: June 25, 2026
Deposit protection: CDIC member institution
Accounts: Non-registered, TFSA, RRSP
Interest: Annual, Compounded annually

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