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.

Rates last reviewed: August 18, 2026All options shown are fixed-term, non-redeemable GICs.

TermDeposit amountProvinceAccount eligibilitySort by

Fixed-term, non-redeemable GIC options by term, indicative rate, minimum deposit and availability
Term	Indicative rate	Provider	Account eligibility	Min. deposit	Province availability	Last verified
1 year Non-redeemable	Rate available on request	Available through participating provider Trust CompanyParticipating provider	Non-registered, TFSA, RRSP, RRIF, FHSA	$50,000 CDIC member institution (eligibility rules apply)	All provinces & territories	August 18, 2026 Needs reconfirmation before use
2 years Non-redeemable	Rate available on request	Available through participating provider BankParticipating provider	Non-registered, TFSA, RRSP, Corporate	$50,000 CDIC member institution (eligibility rules apply)	All provinces & territories	August 18, 2026 Needs reconfirmation before use
3 years Non-redeemable	Rate available on request	Available through participating provider Credit UnionParticipating provider	Non-registered, TFSA, RRSP, RRIF, RESP	$50,000 Provincial credit-union coverage may apply	Ontario, British Columbia, Alberta	August 18, 2026 Needs reconfirmation before use
4 years Non-redeemable	Rate available on request	Available through participating provider BrokerParticipating provider	Non-registered, TFSA, RRSP, RRIF, Corporate, Trust, Estate	$50,000 Any coverage applies per issuer	All provinces & territories	August 18, 2026 Needs reconfirmation before use
5 years Non-redeemable	Rate available on request	Available through participating provider BankParticipating provider	Non-registered, TFSA, RRSP, RRIF, FHSA, Corporate	$50,000 CDIC member institution (eligibility rules apply)	All provinces & territories	August 18, 2026 Needs reconfirmation before use

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

Trust Company · Non-redeemable

Rate available on request

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)