Rates
Simplii Financial GIC rates
Simplii Financial's published GIC shelf as held in this capture: 15 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 GIC (non-redeemable) | 4.25% | Minimum investment $100; non-redeemable and non-registered as described on page | The best GIC rates in Canada 2026 | Ratehub.ca | 2026-11-14 |
| GIC | 5-year non-redeemable GIC | 4.17% | Non-registered, non-redeemable GICs with annual compounding; *Compounded monthly | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 5-year GIC (non-redeemable) | 4.17% | $100,000 per category Insured by CDIC; rates marked with asterisks on page and noted as compounded monthly; non-registered, non-redeemable GICs | Non-Redeemable GICs in Canada | 2026-11-13 |
| GIC | 4-year GIC (non-redeemable) | 3.95% | Minimum investment $100; non-redeemable and non-registered as described on page | The best GIC rates in Canada 2026 | Ratehub.ca | 2026-11-14 |
| GIC | 4-year non-redeemable GIC | 3.88% | Non-registered, non-redeemable GICs with annual compounding; *Compounded monthly | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 4-year GIC (non-redeemable) | 3.88% | $100,000 per category Insured by CDIC; rates marked with asterisks on page and noted as compounded monthly; non-registered, non-redeemable GICs | Non-Redeemable GICs in Canada | 2026-11-13 |
| GIC | 3-year GIC (non-redeemable) | 3.70% | Minimum investment $100; non-redeemable and non-registered as described on page | The best GIC rates in Canada 2026 | Ratehub.ca | 2026-11-14 |
| GIC | 3-year non-redeemable GIC | 3.64% | Non-registered, non-redeemable GICs with annual compounding; *Compounded monthly | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 3-year GIC (non-redeemable) | 3.64% | $100,000 per category Insured by CDIC; rates marked with asterisks on page and noted as compounded monthly; non-registered, non-redeemable GICs | Non-Redeemable GICs in Canada | 2026-11-13 |
| GIC | 1-year GIC (non-redeemable) | 3.60% | Minimum investment $100; non-redeemable and non-registered as described on page | The best GIC rates in Canada 2026 | Ratehub.ca | 2026-11-14 |
| GIC | 2-year GIC (non-redeemable) | 3.60% | Minimum investment $100; non-redeemable and non-registered as described on page | The best GIC rates in Canada 2026 | Ratehub.ca | 2026-11-14 |
| GIC | 1-year non-redeemable GIC | 3.54% | Non-registered, non-redeemable GICs with annual compounding; *Compounded monthly | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 2-year non-redeemable GIC | 3.54% | Non-registered, non-redeemable GICs with annual compounding; *Compounded monthly | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 1-year GIC (non-redeemable) | 3.54% | $100,000 per category Insured by CDIC; rates marked with asterisks on page and noted as compounded monthly; non-registered, non-redeemable GICs | Non-Redeemable GICs in Canada | 2026-11-13 |
| GIC | 2-year GIC (non-redeemable) | 3.54% | $100,000 per category Insured by CDIC; rates marked with asterisks on page and noted as compounded monthly; non-registered, non-redeemable GICs | Non-Redeemable GICs in Canada | 2026-11-13 |
The full shelf for every institution is on the GIC rates page.