Rates
Oaken GIC rates
Oaken's published GIC shelf as held in this capture: 10 rows, arranged by the family the source's own term wording states, and by term within each family. Rates are printed exactly as published, with the source and the row's own as-of date.
Non-redeemable
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 5-year non-redeemable GIC | 4.50% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 5-year GIC (non-redeemable) | 4.50% | $100,000 per category Insured by CDIC; non-registered, non-redeemable GICs with annual compounding as noted on page | Non-Redeemable GICs in Canada | 2026-11-13 |
| GIC | 4-year non-redeemable GIC | 4.40% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 4-year GIC (non-redeemable) | 4.40% | $100,000 per category Insured by CDIC; non-registered, non-redeemable GICs with annual compounding as noted on page | Non-Redeemable GICs in Canada | 2026-11-13 |
| GIC | 3-year non-redeemable GIC | 4.35% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 3-year GIC (non-redeemable) | 4.35% | $100,000 per category Insured by CDIC; non-registered, non-redeemable GICs with annual compounding as noted on page | Non-Redeemable GICs in Canada | 2026-11-13 |
| GIC | 2-year non-redeemable GIC | 4.30% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 2-year GIC (non-redeemable) | 4.30% | $100,000 per category Insured by CDIC; non-registered, non-redeemable GICs with annual compounding as noted on page | Non-Redeemable GICs in Canada | 2026-11-13 |
| GIC | 1-year non-redeemable GIC | 3.90% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 1-year GIC (non-redeemable) | 3.90% | $100,000 per category Insured by CDIC; non-registered, non-redeemable GICs with annual compounding as noted on page | Non-Redeemable GICs in Canada | 2026-11-13 |
The full shelf for every institution is on the GIC rates page.