Rates
GIC rates
Every published guaranteed investment certificate rate we hold, by institution and term, printed as the source printed it. The shelf above leads with the highest guaranteed figures confirmed at the institutions themselves.
The guaranteed shelf, confirmed at the institution
The highest non-redeemable rates at the two most held terms, each read from the institution's own published shelf. Market-linked products in the tables below print higher maximums; the guide under the tables explains why those figures are a different species.
Highest 5-year non-redeemable rate confirmed at the institution5.00%Provincial Credit Union · 5 Years GIC (non-redeemable term deposit) · Rates Effective: 2026-11-09
Highest 1-year non-redeemable rate confirmed at the institution3.40%DUCA · 1 Year GIC (non-redeemable, Non-Registered Term Deposits) · Captured 2026-11-14
827 published rows, captured 2026-11-14 to 2026-11-15. Each row prints the figure exactly as its source published it, with the source and the row's own as-of date.
Access Credit Union
Achieva Financial
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year GIC (non-redeemable) | 3.95% | Unlimited Insured by DGCM; non-registered, non-redeemable GICs with annual compounding as noted on page | Non-Redeemable GICs in Canada | 2026-11-13 |
| GIC | 1-year GIC (non-redeemable) | 3.95% | Minimum investment $1,000; 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 | 3.95% | 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) | 4.10% | Unlimited Insured by DGCM; non-registered, non-redeemable GICs with annual compounding as noted on page | Non-Redeemable GICs in Canada | 2026-11-13 |
| GIC | 2-year GIC (non-redeemable) | 4.10% | Minimum investment $1,000; non-redeemable and non-registered as described on page | The best GIC rates in Canada 2026 | Ratehub.ca | 2026-11-14 |
| GIC | 2-year non-redeemable GIC | 4.10% | 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) | 4.15% | Unlimited Insured by DGCM; non-registered, non-redeemable GICs with annual compounding as noted on page | Non-Redeemable GICs in Canada | 2026-11-13 |
| GIC | 3-year GIC (non-redeemable) | 4.15% | Minimum investment $1,000; 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 | 4.15% | 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) | 4.20% | Unlimited Insured by DGCM; non-registered, non-redeemable GICs with annual compounding as noted on page | Non-Redeemable GICs in Canada | 2026-11-13 |
| GIC | 4-year GIC (non-redeemable) | 4.20% | Minimum investment $1,000; 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 | 4.20% | 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) | 4.35% | Unlimited Insured by DGCM; non-registered, non-redeemable GICs with annual compounding as noted on page | Non-Redeemable GICs in Canada | 2026-11-13 |
| GIC | 5-year GIC (non-redeemable) | 4.35% | Minimum investment $1,000; 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 | 4.35% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
Achieva Financial GICs
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year GIC | 3.95% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 2-year GIC | 4.10% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 3-year GIC | 4.15% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 4-year GIC | 4.20% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 5-year GIC | 4.35% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
Affinity Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1 Year GIC | 3.30% | Special GIC Offer | GIC Rates | Affinity Credit Union | |
| GIC | 1 Year GIC | 2.75% | GIC Term Rates | GIC Rates | Affinity Credit Union | |
| GIC | 1 Year GIC | 2.25% | GIC Flex Rates | GIC Rates | Affinity Credit Union | |
| GIC | 2 Year GIC | 3.45% | Special GIC Offer | GIC Rates | Affinity Credit Union | |
| GIC | 2 Year GIC | 2.90% | GIC Term Rates | GIC Rates | Affinity Credit Union | |
| GIC | 3 Year GIC | 3.00% | GIC Term Rates | GIC Rates | Affinity Credit Union | |
| GIC | 4 Year GIC | 3.10% | GIC Term Rates | GIC Rates | Affinity Credit Union | |
| GIC | 5 Year GIC | 3.20% | GIC Term Rates | GIC Rates | Affinity Credit Union | |
| GIC | Flex Term | 2.75% | Special GIC Offer | GIC Rates | Affinity Credit Union |
Alterna Bank
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year non-redeemable GIC | 2.65% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 2-year non-redeemable GIC | 2.85% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 3-year non-redeemable GIC | 3.10% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 4-year non-redeemable GIC | 3.25% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 5-year non-redeemable GIC | 3.30% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
Alterna Bank GICs
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year GIC | 2.65% | Non-redeemable and non-registered; Minimum investment $500 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 2-year GIC | 2.85% | Non-redeemable and non-registered; Minimum investment $500 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 3-year GIC | 3.10% | Non-redeemable and non-registered; Minimum investment $500 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 4-year GIC | 3.25% | Non-redeemable and non-registered; Minimum investment $500 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 5-year GIC | 3.30% | Non-redeemable and non-registered; Minimum investment $500 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
BMO
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year GIC (non-redeemable) | 3.00% | $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 | 3.00% | 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) | 3.20% | $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 | 3.20% | 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) | 3.30% | $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 | 3-year non-redeemable GIC | 3.30% | 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) | 3.35% | $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 | 4-year non-redeemable GIC | 3.35% | 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) | 3.55% | $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 | 5-year non-redeemable GIC | 3.55% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
BMO GICs
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year GIC | 3.00% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 2-year GIC | 3.20% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 3-year GIC | 3.30% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 4-year GIC | 3.35% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 5-year GIC | 3.55% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
Bow Valley Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1 year term, TFSA Investment Promotional | 3.30% | Enjoy BVCU's Rates; Special rates are available for a limited time only | bowvalleycu - Personal & Business Banking |
Bridgewater Bank
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year non-redeemable GIC | 3.45% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 2-year non-redeemable GIC | 3.70% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 3-year non-redeemable GIC | 3.72% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 4-year non-redeemable GIC | 3.10% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 5-year non-redeemable GIC | 3.15% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
CIBC
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year GIC (non-redeemable) | 3.00% | $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 | 3.00% | 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) | 3.20% | $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 | 3.20% | 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) | 2.60% | $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 | 2.60% | 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) | 2.70% | $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 | 2.70% | 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) | 2.75% | $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 | 5-year non-redeemable GIC | 2.75% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
CIBC GICs
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year GIC | 3.00% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 2-year GIC | 3.20% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 3-year GIC | 3.30% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 4-year GIC | 3.40% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 5-year GIC | 3.60% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
Caisse Alliance
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1 year GIC (non-redeemable) | 2.75% | Conventional Term Deposits Non-Redeemable | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| GIC | 12 months GIC (redeemable) | 2.15% | Term Savings Redeemable | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| GIC | 18 months GIC Promotional | 3.24% | Term Special Offers | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| GIC | 2 years GIC (non-redeemable) | 2.85% | Conventional Term Deposits Non-Redeemable | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| GIC | 3 years GIC (non-redeemable) | 3.00% | Conventional Term Deposits Non-Redeemable | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| GIC | 34 months GIC Promotional | 4.00% | Term Special Offers | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| GIC | 4 years GIC (non-redeemable) | 3.10% | Conventional Term Deposits Non-Redeemable | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| GIC | 5 years GIC (non-redeemable) | 3.25% | Conventional Term Deposits Non-Redeemable | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| GIC | 52 months GIC Promotional | 3.60% | Term Special Offers | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
Caisse Populaire Alliance
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year non-redeemable GIC | 2.75% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 2-year non-redeemable GIC | 2.85% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 3-year non-redeemable GIC | 3.00% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 4-year non-redeemable GIC | 3.10% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 5-year non-redeemable GIC | 3.25% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
Canadian Tire
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year non-redeemable GIC | 2.35% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 2-year non-redeemable GIC | 2.40% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 3-year non-redeemable GIC | 2.45% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 4-year non-redeemable GIC | 2.50% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 5-year non-redeemable GIC | 4.18% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
DUCA
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1 Year GIC (non-redeemable, Non-Registered Term Deposits) | 3.40% | Non-Redeemable | Non-Registered Term Deposits | Rates | |
| GIC | 1 Year GIC (non-redeemable, TFSA / RRSP / RESP / RRIF / LIRA Term Deposits) | 3.40% | Non-Redeemable | TFSA / RRSP / RESP / RRIF / LIRA Term Deposits | Rates | |
| GIC | 1 Year GIC (redeemable, Non-Registered Term Deposits) | 2.80% | Redeemable | Non-Registered Term Deposits | Rates | |
| GIC | 18 Month GIC (non-redeemable, Non-Registered Term Deposits) | 3.85% | Non-Redeemable | Non-Registered Term Deposits | Rates | |
| GIC | 18 Month GIC (non-redeemable, TFSA / RRSP / RESP / RRIF / LIRA Term Deposits) | 3.25% | Non-Redeemable | TFSA / RRSP / RESP / RRIF / LIRA Term Deposits | Rates | |
| GIC | 180-364 Day GIC (non-redeemable, Non-Registered Term Deposits) | 2.40% | Non-Redeemable | Non-Registered Term Deposits | Rates | |
| GIC | 180-364 Day GIC (non-redeemable, TFSA / RRSP / RESP / RRIF / LIRA Term Deposits) | 2.40% | Non-Redeemable | TFSA / RRSP / RESP / RRIF / LIRA Term Deposits | Rates | |
| GIC | 180-364 Day GIC (redeemable, Non-Registered Term Deposits) | 1.75% | Redeemable | Non-Registered Term Deposits | Rates | |
| GIC | 2 Year GIC (non-redeemable, Non-Registered Term Deposits) | 3.80% | Non-Redeemable | Non-Registered Term Deposits | Rates | |
| GIC | 2 Year GIC (non-redeemable, TFSA / RRSP / RESP / RRIF / LIRA Term Deposits) | 3.80% | Non-Redeemable | TFSA / RRSP / RESP / RRIF / LIRA Term Deposits | Rates | |
| GIC | 2 Year GIC (redeemable, Non-Registered Term Deposits) | 3.20% | Redeemable | Non-Registered Term Deposits | Rates | |
| GIC | 3 Month (90 day) GIC (non-redeemable, Non-Registered Term Deposits) | 4.40% | Non-Redeemable | Non-Registered Term Deposits | Rates | |
| GIC | 3 Year GIC (non-redeemable, Non-Registered Term Deposits) | 3.90% | Non-Redeemable | Non-Registered Term Deposits | Rates | |
| GIC | 3 Year GIC (non-redeemable, TFSA / RRSP / RESP / RRIF / LIRA Term Deposits) | 3.90% | Non-Redeemable | TFSA / RRSP / RESP / RRIF / LIRA Term Deposits | Rates | |
| GIC | 3 Year GIC (redeemable, Non-Registered Term Deposits) | 3.30% | Redeemable | Non-Registered Term Deposits | Rates | |
| GIC | 32-59 Day GIC (non-redeemable, Non-Registered Term Deposits) | 1.25% | Non-Redeemable | Non-Registered Term Deposits | Rates | |
| GIC | 4 Year GIC (non-redeemable, Non-Registered Term Deposits) | 4.10% | Non-Redeemable | Non-Registered Term Deposits | Rates | |
| GIC | 4 Year GIC (non-redeemable, TFSA / RRSP / RESP / RRIF / LIRA Term Deposits) | 4.10% | Non-Redeemable | TFSA / RRSP / RESP / RRIF / LIRA Term Deposits | Rates | |
| GIC | 4 Year GIC (redeemable, Non-Registered Term Deposits) | 3.50% | Redeemable | Non-Registered Term Deposits | Rates | |
| GIC | 5 Year GIC (non-redeemable, Non-Registered Term Deposits) | 4.20% | Non-Redeemable | Non-Registered Term Deposits | Rates | |
| GIC | 5 Year GIC (non-redeemable, TFSA / RRSP / RESP / RRIF / LIRA Term Deposits) | 4.20% | Non-Redeemable | TFSA / RRSP / RESP / RRIF / LIRA Term Deposits | Rates | |
| GIC | 5 Year GIC (redeemable, Non-Registered Term Deposits) | 3.60% | Redeemable | Non-Registered Term Deposits | Rates | |
| GIC | 6 Month (180 day) GIC (non-redeemable, Non-Registered Term Deposits) | 2.50% | Non-Redeemable | Non-Registered Term Deposits | Rates | |
| GIC | 6 Month (180 day) GIC (non-redeemable, TFSA / RRSP / RESP / RRIF / LIRA Term Deposits) | 2.50% | Non-Redeemable | TFSA / RRSP / RESP / RRIF / LIRA Term Deposits | Rates | |
| GIC | 60-179 Day GIC (non-redeemable, Non-Registered Term Deposits) | 1.50% | Non-Redeemable | Non-Registered Term Deposits | Rates | |
| GIC | 60-179 Day GIC (non-redeemable, TFSA / RRSP / RESP / RRIF / LIRA Term Deposits) | 1.50% | Non-Redeemable | TFSA / RRSP / RESP / RRIF / LIRA Term Deposits | Rates | |
| GIC | 7 Year GIC (non-redeemable, Non-Registered Term Deposits) | 4.25% | Non-Redeemable | Non-Registered Term Deposits | Rates | |
| GIC | 7 Year GIC (non-redeemable, TFSA / RRSP / RESP / RRIF / LIRA Term Deposits) | 4.25% | Non-Redeemable | TFSA / RRSP / RESP / RRIF / LIRA Term Deposits | Rates | |
| GIC | 7 Year GIC (redeemable, Non-Registered Term Deposits) | 3.65% | Redeemable | Non-Registered Term Deposits | Rates | |
| GIC | Flex20 month GIC (cashable, Non-Registered / TFSA / RRSP / RRIF / LIRA Term Deposits) | 3.00% | Cashable | Non-Registered / TFSA / RRSP / RRIF / LIRA Term Deposits | Rates | |
| GIC | Flex30 month GIC (cashable, Non-Registered / TFSA / RRSP / RRIF / LIRA Term Deposits) | 3.05% | Cashable | Non-Registered / TFSA / RRSP / RRIF / LIRA Term Deposits | Rates | |
| GIC | Flex40 month GIC (cashable, Non-Registered / TFSA / RRSP / RRIF / LIRA Term Deposits) | 3.05% | Cashable | Non-Registered / TFSA / RRSP / RRIF / LIRA Term Deposits | Rates | |
| GIC | Flex50 month GIC (cashable, Non-Registered / TFSA / RRSP / RRIF / LIRA Term Deposits) | 3.10% | Cashable | Non-Registered / TFSA / RRSP / RRIF / LIRA Term Deposits | Rates | |
| GIC | Flex80 month GIC (cashable, Non-Registered / TFSA / RRSP / RRIF / LIRA Term Deposits) | 3.25% | Cashable | Non-Registered / TFSA / RRSP / RRIF / LIRA Term Deposits | Rates |
DUCA Financial
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year non-redeemable GIC | 3.20% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 2-year non-redeemable GIC | 3.70% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 3-year non-redeemable GIC | 3.70% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 4-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 | 5-year non-redeemable GIC | 3.85% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
Desjardins
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year non-redeemable GIC | 3.35% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 2-year non-redeemable GIC | 3.40% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 3-year non-redeemable GIC | 3.40% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 4-year non-redeemable GIC | 3.45% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 5-year non-redeemable GIC | 4.10% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
EQ Bank
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1 Year GIC | 3.70% | Non-registered; fixed-rate, non-redeemable; Minimum deposit $100 | Best GIC Rates in Canada for November 2026 - NerdWallet Canada | GIC rates currently available, as of November 13, 2026 |
| GIC | 1-year GIC (non-redeemable) | 3.70% | $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 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 | 1-year GIC (non-redeemable) | 3.70% | Minimum deposit $100; fixed-rate, non-registered and non-redeemable as described on page | Best GIC Rates in Canada for November 2026 - NerdWallet Canada | 2026-11-13 |
| GIC | 1-year non-redeemable GIC | 3.70% | 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) | 4.15% | $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 GIC (non-redeemable) | 4.15% | 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 non-redeemable GIC | 4.15% | 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) | 4.15% | $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 GIC (non-redeemable) | 4.15% | 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 | 4.15% | 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) | 4.20% | $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 GIC (non-redeemable) | 4.20% | 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 | 4.20% | 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 | 4.30% | Non-registered; fixed-rate, non-redeemable; Minimum deposit $100 | Best GIC Rates in Canada for November 2026 - NerdWallet Canada | GIC rates currently available, as of November 13, 2026 |
| GIC | 5-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 | 5-year GIC (non-redeemable) | 4.30% | 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 GIC (non-redeemable) | 4.30% | Minimum deposit $100; fixed-rate, non-registered and non-redeemable as described on page | Best GIC Rates in Canada for November 2026 - NerdWallet Canada | 2026-11-13 |
| GIC | 5-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 |
EQ Bank GICs
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year GIC | 3.70% | Non-redeemable and non-registered; Minimum investment $100 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 2-year GIC | 4.15% | Non-redeemable and non-registered; Minimum investment $100 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 3-year GIC | 4.15% | Non-redeemable and non-registered; Minimum investment $100 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 4-year GIC | 4.20% | Non-redeemable and non-registered; Minimum investment $100 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 5-year GIC | 4.30% | Non-redeemable and non-registered; Minimum investment $100 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
East Coast Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1 Year | 3.20% | Term Deposit/RRSP/RRIF/TFSA Rates | Rates | East Coast Credit Union | |
| GIC | 1 Year Redeemable | 2.25% | Term Deposit/RRSP/RRIF/TFSA Rates | Rates | East Coast Credit Union | |
| GIC | 15-month special | 3.75% | Special Term Deposit/RRSP/RRIF/TFSA Rates | Rates | East Coast Credit Union | |
| GIC | 2 Year | 3.30% | Term Deposit/RRSP/RRIF/TFSA Rates | Rates | East Coast Credit Union | |
| GIC | 3 Year | 3.45% | Term Deposit/RRSP/RRIF/TFSA Rates | Rates | East Coast Credit Union | |
| GIC | 3 Year Escalator (1yr 3.15%, 2yr 3.40%, 3yr 3.75% | 3.43% | Special Term Deposit/RRSP/RRIF/TFSA Rates | Rates | East Coast Credit Union | |
| GIC | 30-month special | 4.00% | Special Term Deposit/RRSP/RRIF/TFSA Rates | Rates | East Coast Credit Union | |
| GIC | 4 Year | 3.50% | Term Deposit/RRSP/RRIF/TFSA Rates | Rates | East Coast Credit Union | |
| GIC | 5 Year | 3.75% | Term Deposit/RRSP/RRIF/TFSA Rates | Rates | East Coast Credit Union |
Equitable
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year non-redeemable GIC | 3.49% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 2-year non-redeemable GIC | 3.83% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 3-year non-redeemable GIC | 3.91% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 4-year non-redeemable GIC | 3.98% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 5-year non-redeemable GIC | 3.99% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
FirstOntario Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year U.S. dollar GIC | 4.15% | U.S. dollar GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 1-year non-redeemable GIC | 3.35% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 1-year non-redeemable GIC | 3.35% | Long-term GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 1-year redeemable GIC | 2.65% | Long-term GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 13-month FlexSavings cashable GIC GIC | 3.20% | GIC Specials | Rates for personal members | FirstOntario Credit Union | |
| GIC | 18-month non-redeemable GIC | 4.00% | GIC Specials | Rates for personal members | FirstOntario Credit Union | |
| GIC | 180-269 days U.S. dollar GIC | 3.00% | U.S. dollar GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 180-269 days non-redeemable GIC | 2.70% | Short-term GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 180-269 days redeemable GIC | 2.20% | Short-term GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 2-year U.S. dollar GIC | 4.05% | U.S. dollar GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 2-year non-redeemable GIC | 3.60% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 2-year non-redeemable GIC | 3.60% | Long-term GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 2-year redeemable GIC | 3.10% | Long-term GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 270-364 days U.S. dollar GIC | 3.10% | U.S. dollar GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 270-364 days non-redeemable GIC | 2.85% | Short-term GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 270-364 days redeemable GIC | 2.35% | Short-term GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 3-year Canadian market-linked GIC | up to 6.27% | Market-linked GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 3-year Global market-linked GIC | up to 8.29% | Market-linked GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 3-year U.S. dollar GIC | 4.10% | U.S. dollar GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 3-year non-redeemable GIC | 3.70% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 3-year non-redeemable GIC | 3.70% | Long-term GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 3-year redeemable GIC | 3.15% | Long-term GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 30-59 days U.S. dollar GIC | 2.80% | U.S. dollar GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 4-year U.S. dollar GIC | 4.15% | U.S. dollar GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 4-year non-redeemable GIC | 3.70% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 4-year non-redeemable GIC | 3.70% | Long-term GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 4-year redeemable GIC | 3.15% | Long-term GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 5-year Canadian market-linked GIC | up to 7.57% | Market-linked GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 5-year Global market-linked GIC | up to 9.16% | Market-linked GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 5-year U.S. dollar GIC | 4.10% | U.S. dollar GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 5-year non-redeemable GIC | 3.80% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 5-year non-redeemable GIC | 3.80% | Long-term GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 5-year redeemable GIC | 3.15% | Long-term GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 54-month non-redeemable GIC | 4.35% | GIC Specials | Rates for personal members | FirstOntario Credit Union | |
| GIC | 60-89 days U.S. dollar GIC | 2.85% | U.S. dollar GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 90-179 days U.S. dollar GIC | 2.90% | U.S. dollar GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 90-179 days non-redeemable GIC | 2.70% | Short-term GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 90-179 days redeemable GIC | 2.20% | Short-term GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 90-day new money non-redeemable GIC | 5.00% | GIC Specials | Rates for personal members | FirstOntario Credit Union | |
| GIC | Accelerator GIC - Effective yield | 3.55% | Accelerator GIC | Rates for personal members | FirstOntario Credit Union | |
| GIC | Accelerator GIC - Year 1 | 3.00% | Accelerator GIC | Rates for personal members | FirstOntario Credit Union | |
| GIC | Accelerator GIC - Year 2 | 3.10% | Accelerator GIC | Rates for personal members | FirstOntario Credit Union | |
| GIC | Accelerator GIC - Year 3 | 3.15% | Accelerator GIC | Rates for personal members | FirstOntario Credit Union | |
| GIC | Accelerator GIC - Year 4 | 3.50% | Accelerator GIC | Rates for personal members | FirstOntario Credit Union | |
| GIC | Accelerator GIC - Year 5 | 5.00% | Accelerator GIC | Rates for personal members | FirstOntario Credit Union | |
| GIC | Escalator GIC - Average yield | 3.40% | Escalator GIC | Rates for personal members | FirstOntario Credit Union | |
| GIC | Escalator GIC - Months 1-8 | 3.00% | Escalator GIC | Rates for personal members | FirstOntario Credit Union | |
| GIC | Escalator GIC - Months 17-24 | 4.00% | Escalator GIC | Rates for personal members | FirstOntario Credit Union | |
| GIC | Escalator GIC - Months 9-16 | 3.20% | Escalator GIC | Rates for personal members | FirstOntario Credit Union |
General Bank of Canada
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year non-redeemable GIC | 3.40% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 2-year non-redeemable GIC | 3.92% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 3-year non-redeemable GIC | 4.01% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 4-year non-redeemable GIC | 4.01% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 5-year non-redeemable GIC | 4.01% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
Haventree Bank
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1 Year GIC | 4.00% | Non-registered; fixed-rate, non-redeemable; Minimum deposit $100 | Best GIC Rates in Canada for November 2026 - NerdWallet Canada | GIC rates currently available, as of November 13, 2026 |
| GIC | 1-year GIC (non-redeemable) | 4.00% | $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 GIC (non-redeemable) | 4.00% | Minimum deposit $100; fixed-rate, non-registered and non-redeemable as described on page | Best GIC Rates in Canada for November 2026 - NerdWallet Canada | 2026-11-13 |
| GIC | 1-year non-redeemable GIC | 4.00% | 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) | 4.10% | $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 | 4.10% | 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) | 4.20% | $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 | 4.20% | 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) | 4.25% | $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 | 4.25% | 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 | 4.30% | Non-registered; fixed-rate, non-redeemable; Minimum deposit $100 | Best GIC Rates in Canada for November 2026 - NerdWallet Canada | GIC rates currently available, as of November 13, 2026 |
| GIC | 5-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 | 5-year GIC (non-redeemable) | 4.30% | Minimum deposit $100; fixed-rate, non-registered and non-redeemable as described on page | Best GIC Rates in Canada for November 2026 - NerdWallet Canada | 2026-11-13 |
| GIC | 5-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 |
HomeEquity Bank
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year non-redeemable GIC | 3.45% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 2-year non-redeemable GIC | 3.98% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 3-year non-redeemable GIC | 4.00% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 4-year non-redeemable GIC | 4.12% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 5-year non-redeemable GIC | 4.18% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
Hubert
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year GIC (non-redeemable) | 4.05% | Unlimited Insured by DGCM; 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 | 4.05% | 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) | 4.05% | Unlimited Insured by DGCM; 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 | 4.05% | 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) | 4.15% | Unlimited Insured by DGCM; 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 | 4.15% | 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) | 4.25% | Unlimited Insured by DGCM; 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 | 4.25% | 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% | Unlimited Insured by DGCM; non-registered, non-redeemable GICs with annual compounding as noted on page | Non-Redeemable GICs in Canada | 2026-11-13 |
| 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 |
Hubert Financial GICs
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year GIC | 3.85% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 2-year GIC | 3.95% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 3-year GIC | 4.05% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 4-year GIC | 4.15% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 5-year GIC | 4.25% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
IC Savings
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1 year - 1-Year Redeemable GIC | 1.90% | 1-Year Redeemable GIC | Rates | |
| GIC | 1 year - Non-Registered and Non-Redeemable GIC | 2.60% | Non-Registered and Non-Redeemable GIC | Rates | |
| GIC | 1 year - Registered and Non-Redeemable GIC | 2.60% | Registered and Non-Redeemable GIC | Rates | |
| GIC | 18 month - Non-Registered and Non-Redeemable GIC | 2.65% | Non-Registered and Non-Redeemable GIC | Rates | |
| GIC | 18 month - Registered and Non-Redeemable GIC | 2.65% | Registered and Non-Redeemable GIC | Rates | |
| GIC | 180 day - Short-Term and Non-Redeemable GIC | 1.95% | Short-Term and Non-Redeemable GIC | Rates | |
| GIC | 180 day - US Dollar Term Deposits | 0.10% | US Dollar Term Deposits | Rates | |
| GIC | 2 year - Non-Registered and Non-Redeemable GIC | 2.70% | Non-Registered and Non-Redeemable GIC | Rates | |
| GIC | 2 year - Registered and Non-Redeemable GIC | 2.70% | Registered and Non-Redeemable GIC | Rates | |
| GIC | 270 day - Short-Term and Non-Redeemable GIC | 2.00% | Short-Term and Non-Redeemable GIC | Rates | |
| GIC | 270 day - US Dollar Term Deposits | 0.05% | US Dollar Term Deposits | Rates | |
| GIC | 3 year - Non-Registered and Non-Redeemable GIC | 2.80% | Non-Registered and Non-Redeemable GIC | Rates | |
| GIC | 3 year - Registered and Non-Redeemable GIC | 2.80% | Registered and Non-Redeemable GIC | Rates | |
| GIC | 30 day - Short-Term and Non-Redeemable GIC | 0.40% | Short-Term and Non-Redeemable GIC | Rates | |
| GIC | 30 day - US Dollar Term Deposits | 0.05% | US Dollar Term Deposits | Rates | |
| GIC | 4 year - Non-Registered and Non-Redeemable GIC | 2.85% | Non-Registered and Non-Redeemable GIC | Rates | |
| GIC | 4 year - Registered and Non-Redeemable GIC | 2.85% | Registered and Non-Redeemable GIC | Rates | |
| GIC | 5 year - Non-Registered and Non-Redeemable GIC | 2.90% | Non-Registered and Non-Redeemable GIC | Rates | |
| GIC | 5 year - Registered and Non-Redeemable GIC | 2.90% | Registered and Non-Redeemable GIC | Rates | |
| GIC | 60 day - Short-Term and Non-Redeemable GIC | 0.55% | Short-Term and Non-Redeemable GIC | Rates | |
| GIC | 60 day - US Dollar Term Deposits | 0.05% | US Dollar Term Deposits | Rates | |
| GIC | 90 day - Euro Term Deposits | 0.10% | Euro Term Deposits | Rates | |
| GIC | 90 day - Short-Term and Non-Redeemable GIC | 0.65% | Short-Term and Non-Redeemable GIC | Rates | |
| GIC | 90 day - US Dollar Term Deposits | 0.05% | US Dollar Term Deposits | Rates | |
| GIC | If cashed after 180 days - 1-Year Redeemable GIC | 1.65% | 1-Year Redeemable GIC | Rates | |
| GIC | If cashed after 270 days - 1-Year Redeemable GIC | 1.75% | 1-Year Redeemable GIC | Rates |
ICICI
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year non-redeemable GIC | 3.35% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 2-year non-redeemable GIC | 3.60% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 3-year non-redeemable GIC | 3.60% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 4-year non-redeemable GIC | 3.75% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 5-year non-redeemable GIC | 4.00% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
ICICI Bank Canada GICs
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year GIC | 3.35% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 2-year GIC | 3.60% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 3-year GIC | 3.60% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 4-year GIC | 3.75% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 5-year GIC | 4.00% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
Kawartha Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year non-redeemable GIC | 3.15% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 2-year non-redeemable GIC | 3.35% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 3-year non-redeemable GIC | 3.50% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 4-year non-redeemable GIC | 3.60% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 5-year non-redeemable GIC | 3.75% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
Kawartha Financial Services
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-Year (min. deposit $2,000) | 3.15 | Business Term Deposits | Rates | Kawartha Financial Services | |
| GIC | 1-Year (min. deposit $500) | 3.15 | GICs Annual Interest Terms - Non-registered | Rates | Kawartha Financial Services | |
| GIC | 1-Year (min. deposits may apply) | 3.15 | GICs Annual Interest Terms - RRSP / RRIF / TFSA eligible | Rates | Kawartha Financial Services | |
| GIC | 120 Days (min. deposit $5,000) | 0.70 | Short Term Deposits - Non-registered | Rates | Kawartha Financial Services | |
| GIC | 18-Month Special (min. deposit $500, new funds only) | 3.85 | GICs Annual Interest Terms - Non-registered | Rates | Kawartha Financial Services | |
| GIC | 18-Month Special (min. deposit $500, new funds only) | 3.85 | GICs Annual Interest Terms - RRSP / RRIF / TFSA eligible | Rates | Kawartha Financial Services | |
| GIC | 18-Month Special (min. deposit $500, new funds only) | 3.85 | Business Term Deposits | Rates | Kawartha Financial Services | |
| GIC | 180 Days (min. deposit $5,000) | 0.80 | Short Term Deposits - Non-registered | Rates | Kawartha Financial Services | |
| GIC | 2-Year (min. deposit $2,000) | 3.35 | Business Term Deposits | Rates | Kawartha Financial Services | |
| GIC | 2-Year (min. deposit $500) | 3.35 | GICs Annual Interest Terms - Non-registered | Rates | Kawartha Financial Services | |
| GIC | 2-Year (min. deposits may apply) | 3.35 | GICs Annual Interest Terms - RRSP / RRIF / TFSA eligible | Rates | Kawartha Financial Services | |
| GIC | 270 Days (min. deposit $5,000) | 0.90 | Short Term Deposits - Non-registered | Rates | Kawartha Financial Services | |
| GIC | 3-Year (min. deposit $2,000) | 3.50 | Business Term Deposits | Rates | Kawartha Financial Services | |
| GIC | 3-Year (min. deposit $500) | 3.50 | GICs Annual Interest Terms - Non-registered | Rates | Kawartha Financial Services | |
| GIC | 3-Year (min. deposits may apply) | 3.50 | GICs Annual Interest Terms - RRSP / RRIF / TFSA eligible | Rates | Kawartha Financial Services | |
| GIC | 30 Days (min. deposit $5,000) | 0.50 | Short Term Deposits - Non-registered | Rates | Kawartha Financial Services | |
| GIC | 4-Year (min. deposit $2,000) | 3.60 | Business Term Deposits | Rates | Kawartha Financial Services | |
| GIC | 4-Year (min. deposit $500) | 3.60 | GICs Annual Interest Terms - Non-registered | Rates | Kawartha Financial Services | |
| GIC | 4-Year (min. deposits may apply) | 3.60 | GICs Annual Interest Terms - RRSP / RRIF / TFSA eligible | Rates | Kawartha Financial Services | |
| GIC | 5-Year (min. deposit $2,000) | 3.75 | Business Term Deposits | Rates | Kawartha Financial Services | |
| GIC | 5-Year (min. deposit $500) | 3.75 | GICs Annual Interest Terms - Non-registered | Rates | Kawartha Financial Services | |
| GIC | 5-Year (min. deposits may apply) | 3.75 | GICs Annual Interest Terms - RRSP / RRIF / TFSA eligible | Rates | Kawartha Financial Services | |
| GIC | 60 Days (min. deposit $5,000) | 0.60 | Short Term Deposits - Non-registered | Rates | Kawartha Financial Services | |
| GIC | 90 Days (min. deposit $5,000) | 0.70 | Short Term Deposits - Non-registered | Rates | Kawartha Financial Services | |
| GIC | Business RIC: 1-Year redeemable after 30 days (New funds only, $2,000 min. investment) | 3.00 | Redeemable Investment Certificates | Rates | Kawartha Financial Services | |
| GIC | Callable RRSP (min. deposit $500) | 2.00 | Redeemable Term Certificates | Rates | Kawartha Financial Services | |
| GIC | Non-registered or TFSA eligible (min. deposit $500) | 2.00 | Redeemable Term Certificates | Rates | Kawartha Financial Services |
Kindred Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year non-redeemable GIC | 3.10% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 2-year non-redeemable GIC | 3.30% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 3-year non-redeemable GIC | 3.75% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 4-year non-redeemable GIC | 3.80% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 5-year non-redeemable GIC | 4.00% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
LBC Digital
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year non-redeemable GIC | 3.50% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 2-year non-redeemable GIC | 3.80% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 3-year non-redeemable GIC | 3.95% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 4-year non-redeemable GIC | 4.00% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 5-year non-redeemable GIC | 4.10% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
LBC Digital GICs
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year GIC | 3.50% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 2-year GIC | 3.80% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 3-year GIC | 3.90% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 4-year GIC | 4.00% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 5-year GIC | 4.10% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
Laurentian
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year non-redeemable GIC | 3.50% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 2-year non-redeemable GIC | 3.80% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 3-year non-redeemable GIC | 3.95% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 4-year non-redeemable GIC | 4.00% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 5-year non-redeemable GIC | 4.10% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
Libro Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year non-redeemable GIC | 3.15% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 2-year non-redeemable GIC | 3.35% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 3-year non-redeemable GIC | 3.50% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 4-year non-redeemable GIC | 3.60% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 5-year non-redeemable GIC | 3.75% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
MAXA Financial
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year non-redeemable GIC | 3.95% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 2-year non-redeemable GIC | 4.05% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 3-year non-redeemable GIC | 4.15% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 4-year non-redeemable GIC | 4.20% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 5-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 |
MCAN Financial
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| 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 | 2-year non-redeemable GIC | 4.20% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 3-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 | 4-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 | 5-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 |
MCAN Wealth GICs
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year GIC | 3.65% | Non-redeemable and non-registered; Minimum investment $100 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 2-year GIC | 3.90% | Non-redeemable and non-registered; Minimum investment $100 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 3-year GIC | 3.90% | Non-redeemable and non-registered; Minimum investment $100 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 4-year GIC | 3.95% | Non-redeemable and non-registered; Minimum investment $100 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 5-year GIC | 4.05% | Non-redeemable and non-registered; Minimum investment $100 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
Manulife
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year non-redeemable GIC | 3.35% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 2-year non-redeemable GIC | 3.70% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 3-year non-redeemable GIC | 3.80% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 4-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 | 5-year non-redeemable GIC | 4.05% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
Meridian
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year non-redeemable GIC | 3.35% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 2-year non-redeemable GIC | 3.70% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 3-year non-redeemable GIC | 3.85% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 4-year non-redeemable GIC | 3.95% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 5-year non-redeemable GIC | 4.10% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
Meridian Credit Union GICs
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year GIC | 3.40% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 2-year GIC | 3.80% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 3-year GIC | 4.00% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 4-year GIC | 4.10% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 5-year GIC | 4.20% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
National Bank
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year non-redeemable GIC | 3.15% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 2-year non-redeemable GIC | 3.55% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 3-year non-redeemable GIC | 3.75% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 4-year non-redeemable GIC | 3.85% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 5-year non-redeemable GIC | 4.00% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
National Bank GICs
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year GIC | 3.15% | Non-redeemable and non-registered; Minimum investment $500 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 2-year GIC | 3.55% | Non-redeemable and non-registered; Minimum investment $500 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 3-year GIC | 3.75% | Non-redeemable and non-registered; Minimum investment $500 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 4-year GIC | 3.85% | Non-redeemable and non-registered; Minimum investment $500 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 5-year GIC | 4.00% | Non-redeemable and non-registered; Minimum investment $500 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
Newfoundland and Labrador Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1 Year Fixed Term GIC | 2.700 | Tax Free Savings Account (TFSA) | Rates | NLCU | |
| GIC | 1 Year Fixed Term GIC | 2.700 | Registered Retirement Savings Plan (RRSP) | Rates | NLCU | |
| GIC | 1 Year Fixed Term GIC | 2.700 | Registered Retirement Income Fund (RRIF) | Rates | NLCU | |
| GIC | 2 Year Fixed Term GIC | 2.800 | Tax Free Savings Account (TFSA) | Rates | NLCU | |
| GIC | 2 Year Fixed Term GIC | 2.800 | Registered Retirement Savings Plan (RRSP) | Rates | NLCU | |
| GIC | 2 Year Fixed Term GIC | 2.800 | Registered Retirement Income Fund (RRIF) | Rates | NLCU | |
| GIC | 3 Year Fixed Term GIC | 2.850 | Tax Free Savings Account (TFSA) | Rates | NLCU | |
| GIC | 3 Year Fixed Term GIC | 2.850 | Registered Retirement Savings Plan (RRSP) | Rates | NLCU | |
| GIC | 3 Year Fixed Term GIC | 2.850 | Registered Retirement Income Fund (RRIF) | Rates | NLCU | |
| GIC | 4 Year Fixed Term GIC | 2.900 | Tax Free Savings Account (TFSA) | Rates | NLCU | |
| GIC | 4 Year Fixed Term GIC | 2.900 | Registered Retirement Savings Plan (RRSP) | Rates | NLCU | |
| GIC | 4 Year Fixed Term GIC | 2.900 | Registered Retirement Income Fund (RRIF) | Rates | NLCU | |
| GIC | 5 Year Fixed Term GIC | 3.100 | Tax Free Savings Account (TFSA) | Rates | NLCU | |
| GIC | 5 Year Fixed Term GIC | 3.100 | Registered Retirement Savings Plan (RRSP) | Rates | NLCU | |
| GIC | 5 Year Fixed Term GIC | 3.100 | Registered Retirement Income Fund (RRIF) | Rates | NLCU | |
| GIC | 6 Month Fixed Term GIC | 2.300 | Tax Free Savings Account (TFSA) | Rates | NLCU | |
| GIC | 6 Month Fixed Term GIC | 2.300 | Registered Retirement Savings Plan (RRSP) | Rates | NLCU | |
| GIC | 6 Month Fixed Term GIC | 2.300 | Registered Retirement Income Fund (RRIF) | Rates | NLCU | |
| GIC | 7 Year Fixed Term GIC | 3.200 | Tax Free Savings Account (TFSA) | Rates | NLCU | |
| GIC | 7 Year Fixed Term GIC | 3.200 | Registered Retirement Savings Plan (RRSP) | Rates | NLCU | |
| GIC | Long Term - 1 Year GIC | 2.700 | GICs | Rates | NLCU | |
| GIC | Long Term - 2 Years GIC | 2.800 | GICs | Rates | NLCU | |
| GIC | Long Term - 3 Years GIC | 2.850 | GICs | Rates | NLCU | |
| GIC | Long Term - 4 Years GIC | 2.900 | GICs | Rates | NLCU | |
| GIC | Long Term - 5 Years GIC | 3.100 | GICs | Rates | NLCU | |
| GIC | Long Term - 7 Years GIC | 3.200 | GICs | Rates | NLCU | |
| GIC | Short Term Deposit - 180-364 Days GIC | 2.350 | GICs | Rates | NLCU | |
| GIC | Short Term Deposit - 30-59 Days GIC | 2.000 | GICs | Rates | NLCU | |
| GIC | Short Term Deposit - 60-89 Days GIC | 2.150 | GICs | Rates | NLCU | |
| GIC | Short Term Deposit - 7-29 Days GIC | 0.750 | GICs | Rates | NLCU | |
| GIC | Short Term Deposit - 90-179 Days GIC | 2.300 | GICs | Rates | NLCU |
Northern Birch Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year non-redeemable GIC | 4.00% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 2-year non-redeemable GIC | 3.25% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 3-year non-redeemable GIC | 3.30% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 4-year non-redeemable GIC | 3.35% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 5-year non-redeemable GIC | 3.60% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
Northern Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-Year | 3.20 | NON-REDEEMABLE GICs | Rates | Northern Credit Union | |
| GIC | 1-Year | 2.40 | REDEEMABLE GICs | Rates | Northern Credit Union | |
| GIC | 1-year non-redeemable GIC | 3.20% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 180-269 Days | 2.30 | NON-REDEEMABLE GICs | Rates | Northern Credit Union | |
| GIC | 2-Year | 3.55 | NON-REDEEMABLE GICs | Rates | Northern Credit Union | |
| GIC | 2-year non-redeemable GIC | 3.55% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 270-364 Days | 2.30 | NON-REDEEMABLE GICs | Rates | Northern Credit Union | |
| GIC | 3 Year - Financial Services | 3%-18% (0.99%-5.67% annualized) | MARKET LINKED GIC | Rates | Northern Credit Union | |
| GIC | 3-Year | 3.70 | NON-REDEEMABLE GICs | Rates | Northern Credit Union | |
| GIC | 3-year non-redeemable GIC | 3.70% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 30-59 Days | 1.70 | NON-REDEEMABLE GICs | Rates | Northern Credit Union | |
| GIC | 4 Year | 3.90 | NON-REDEEMABLE GICs | Rates | Northern Credit Union | |
| GIC | 4-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 | 5 Year Financial Services | 5%-50% (0.98%-8.45% annualized) | MARKET LINKED GIC | Rates | Northern Credit Union | |
| GIC | 5-Year | 4.10 | NON-REDEEMABLE GICs | Rates | Northern Credit Union | |
| GIC | 5-year non-redeemable GIC | 4.10% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 60-89 Days | 1.90 | NON-REDEEMABLE GICs | Rates | Northern Credit Union | |
| GIC | 90-179 Days | 2.00 | NON-REDEEMABLE GICs | Rates | Northern Credit Union | |
| GIC | Average Yield to Maturity | 3.67 | 3-YEAR ESCALATOR | Rates | Northern Credit Union | |
| GIC | Average Yield to Maturity | 4.07 | 5-YEAR ESCALATOR | Rates | Northern Credit Union | |
| GIC | Year 1 | 3.00 | 3-YEAR ESCALATOR | Rates | Northern Credit Union | |
| GIC | Year 1 | 3.10 | 5-YEAR ESCALATOR | Rates | Northern Credit Union | |
| GIC | Year 2 | 3.50 | 3-YEAR ESCALATOR | Rates | Northern Credit Union | |
| GIC | Year 2 | 3.25 | 5-YEAR ESCALATOR | Rates | Northern Credit Union | |
| GIC | Year 3 | 4.50 | 3-YEAR ESCALATOR | Rates | Northern Credit Union | |
| GIC | Year 3 | 3.75 | 5-YEAR ESCALATOR | Rates | Northern Credit Union | |
| GIC | Year 4 | 4.25 | 5-YEAR ESCALATOR | Rates | Northern Credit Union | |
| GIC | Year 5 | 6.00 | 5-YEAR ESCALATOR | Rates | Northern Credit Union |
Oaken
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| 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 |
| 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 | 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 | 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 | 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 | 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 | 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 | 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 | 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 | 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 |
Oaken Financial
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year GIC (non-redeemable) | 3.90% | Minimum investment $1,000; 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) | 4.30% | Minimum investment $1,000; non-redeemable and non-registered as described on page | The best GIC rates in Canada 2026 | Ratehub.ca | 2026-11-14 |
| GIC | 3-year GIC (non-redeemable) | 4.35% | Minimum investment $1,000; non-redeemable and non-registered as described on page | The best GIC rates in Canada 2026 | Ratehub.ca | 2026-11-14 |
| GIC | 4-year GIC (non-redeemable) | 4.40% | Minimum investment $1,000; non-redeemable and non-registered as described on page | The best GIC rates in Canada 2026 | Ratehub.ca | 2026-11-14 |
| GIC | 5-year GIC (non-redeemable) | 4.50% | Minimum investment $1,000; non-redeemable and non-registered as described on page | The best GIC rates in Canada 2026 | Ratehub.ca | 2026-11-14 |
Oaken Financial GICs
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year GIC | 3.90% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 2-year GIC | 4.30% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 3-year GIC | 4.35% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 4-year GIC | 4.40% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 5-year GIC | 4.50% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
Omista Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1 Year | 1.75% | 1 to 5 Year Term Deposits | Rates | OMISTA Credit Union | |
| GIC | 1 Year | 3.0% | Guaranteed Investment Certificates | Rates | OMISTA Credit Union | |
| GIC | 120-179 Days | 0.80% | Short-Term Term Deposits | Rates | OMISTA Credit Union | |
| GIC | 180-269 Days | 0.90% | Short-Term Term Deposits | Rates | OMISTA Credit Union | |
| GIC | 2 Years | 1.90% | 1 to 5 Year Term Deposits | Rates | OMISTA Credit Union | |
| GIC | 2 Years | 3.10% | Guaranteed Investment Certificates | Rates | OMISTA Credit Union | |
| GIC | 270-364 Days | 1.00% | Short-Term Term Deposits | Rates | OMISTA Credit Union | |
| GIC | 3 Years | 2.00% | 1 to 5 Year Term Deposits | Rates | OMISTA Credit Union | |
| GIC | 3 Years | 3.10% | Guaranteed Investment Certificates | Rates | OMISTA Credit Union | |
| GIC | 30-59 Days | 0.65% | Short-Term Term Deposits | Rates | OMISTA Credit Union | |
| GIC | 4 Years | 2.10% | 1 to 5 Year Term Deposits | Rates | OMISTA Credit Union | |
| GIC | 4 Years | 3.10% | Guaranteed Investment Certificates | Rates | OMISTA Credit Union | |
| GIC | 5 Years | 2.25% | 1 to 5 Year Term Deposits | Rates | OMISTA Credit Union | |
| GIC | 5 Years | 3.25% | Guaranteed Investment Certificates | Rates | OMISTA Credit Union | |
| GIC | 60-89 Days | 0.70% | Short-Term Term Deposits | Rates | OMISTA Credit Union | |
| GIC | 90-119 Days | 0.75% | Short-Term Term Deposits | Rates | OMISTA Credit Union |
Outlook Financial
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year non-redeemable GIC | 3.95% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 2-year non-redeemable GIC | 4.05% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 3-year non-redeemable GIC | 4.15% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 4-year non-redeemable GIC | 4.20% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 5-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 |
Pathwise Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year non-redeemable GIC | 3.80% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 2-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 | 3-year non-redeemable GIC | 3.60% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 4-year non-redeemable GIC | 3.55% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 5-year non-redeemable GIC | 3.70% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
Peoples Bank
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year non-redeemable GIC | 3.70% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 2-year non-redeemable GIC | 3.00% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 3-year non-redeemable GIC | 3.25% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 4-year non-redeemable GIC | 3.25% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 5-year non-redeemable GIC | 3.45% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
Peoples Trust GICs
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year GIC | 3.70% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 2-year GIC | 3.00% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 3-year GIC | 3.25% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 4-year GIC | 3.25% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 5-year GIC | 3.45% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
Provincial Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1 Year GIC (non-redeemable term deposit) | 3.00% | Non-Redeemable Term Deposit/RRSP/RRIF/TFSA | Rates | Provincial Credit Union | Rates Effective: 2026-11-09 |
| GIC | 1 Year GIC (redeemable term deposit) | 3.00% | Redeemable Term Deposit/RRSP/RRIF/TFSA | Rates | Provincial Credit Union | |
| GIC | 18 Months GIC (non-redeemable term deposit) | 3.10% | Non-Redeemable Term Deposit/RRSP/RRIF/TFSA | Rates | Provincial Credit Union | Rates Effective: 2026-11-09 |
| GIC | 2 Years GIC (non-redeemable term deposit) | 3.20% | Non-Redeemable Term Deposit/RRSP/RRIF/TFSA | Rates | Provincial Credit Union | Rates Effective: 2026-11-09 |
| GIC | 3 Years GIC (non-redeemable term deposit) | 3.30% | Non-Redeemable Term Deposit/RRSP/RRIF/TFSA | Rates | Provincial Credit Union | Rates Effective: 2026-11-09 |
| GIC | 30 Months GIC (non-redeemable term deposit) | 4.00% | Non-Redeemable Term Deposit/RRSP/RRIF/TFSA | Rates | Provincial Credit Union | Rates Effective: 2026-11-09 |
| GIC | 4 Years GIC (non-redeemable term deposit) | 3.35% | Non-Redeemable Term Deposit/RRSP/RRIF/TFSA | Rates | Provincial Credit Union | Rates Effective: 2026-11-09 |
| GIC | 5 Years GIC (non-redeemable term deposit) | 5.00% | Non-Redeemable Term Deposit/RRSP/RRIF/TFSA | Rates | Provincial Credit Union | Rates Effective: 2026-11-09 |
| GIC | 60 Months GIC (non-redeemable term deposit) | 5.00% | Non-Redeemable Term Deposit/RRSP/RRIF/TFSA | Rates | Provincial Credit Union | Rates Effective: 2026-11-09 |
RBC
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year GIC (non-redeemable) | 3.00% | $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 | 3.00% | 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) | 3.20% | $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 | 3.20% | 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) | 2.55% | $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 | 2.55% | 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) | 2.70% | $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 | 2.70% | 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) | 3.55% | $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 | 5-year non-redeemable GIC | 3.55% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
RBC GICs
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year GIC | 2.45% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 2-year GIC | 2.55% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 3-year GIC | 2.55% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 4-year GIC | 2.70% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 5-year GIC | 2.75% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
Saven Financial
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year GIC (non-redeemable) | 4.00% | $250,000 per depositor Insured by FSRA (DIRF); non-registered, non-redeemable GICs with annual compounding as noted on page | Non-Redeemable GICs in Canada | 2026-11-13 |
| GIC | 1-year GIC (non-redeemable) | 3.80% | Minimum investment $1,000; 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 | 4.00% | 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) | 4.25% | $250,000 per depositor Insured by FSRA (DIRF); non-registered, non-redeemable GICs with annual compounding as noted on page | Non-Redeemable GICs in Canada | 2026-11-13 |
| GIC | 2-year GIC (non-redeemable) | 4.25% | Minimum investment $1,000; non-redeemable and non-registered as described on page | The best GIC rates in Canada 2026 | Ratehub.ca | 2026-11-14 |
| GIC | 2-year non-redeemable GIC | 4.25% | 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) | 4.30% | $250,000 per depositor Insured by FSRA (DIRF); non-registered, non-redeemable GICs with annual compounding as noted on page | Non-Redeemable GICs in Canada | 2026-11-13 |
| GIC | 3-year GIC (non-redeemable) | 4.30% | Minimum investment $1,000; 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 | 4.30% | 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) | 4.35% | $250,000 per depositor Insured by FSRA (DIRF); non-registered, non-redeemable GICs with annual compounding as noted on page | Non-Redeemable GICs in Canada | 2026-11-13 |
| GIC | 4-year GIC (non-redeemable) | 4.35% | Minimum investment $1,000; 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 | 4.35% | 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% | $250,000 per depositor Insured by FSRA (DIRF); non-registered, non-redeemable GICs with annual compounding as noted on page | Non-Redeemable GICs in Canada | 2026-11-13 |
| GIC | 5-year GIC (non-redeemable) | 4.50% | Minimum investment $1,000; 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 | 4.50% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
Saven Financial GICs
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year GIC | 3.80% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 2-year GIC | 4.25% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 3-year GIC | 4.30% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 4-year GIC | 4.35% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 5-year GIC | 4.50% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
Scotiabank
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year GIC (non-redeemable) | 2.45% | $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 | 2.45% | 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) | 3.50% | $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 | 2-year non-redeemable GIC | 3.50% | 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) | 2.60% | $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 | 2.60% | 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) | 2.70% | $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 | 2.70% | 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) | 2.75% | $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 | 5-year non-redeemable GIC | 2.75% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
Scotiabank GICs
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year GIC | 2.45% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 2-year GIC | 2.50% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 3-year GIC | 2.60% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 4-year GIC | 2.70% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 5-year GIC | 2.75% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
Servus Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1 Year GIC | 2.875% | Long Term GIC - Monthly Interest (minimum $5,000) | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| GIC | 1 Year GIC | 3.00% | Long Term GIC - Annual Interest | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| GIC | 1 Year GIC | 3.25% | Long Term GIC - Annual Interest, Special Rate | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| GIC | 1 Year GIC | 3.75% | Special Product Offers, Non-Redeemable New Money GIC | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| GIC | 1 Year GIC | 3.25% | Special Product Offers, Redeemable New Money GIC | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| GIC | 1 Year GIC | 3.00% | Pay Yourself First GIC | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| GIC | 1 Year GIC | 2.00% | 1 Year Redeemable GIC | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| GIC | 1 Year GIC | 2.15% | 1 Year Redeemable GIC, Special Rate | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| GIC | 1 Year GIC | 3.90% | US Dollar GICs, Non-Redeemable GIC | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| GIC | 12 Months GIC | 3.25% | Circle Rewards GIC, Special Product Offers | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| GIC | 120-179 Days GIC | 2.25% | Short Term GIC (minimum $1,000, interest paid at maturity) | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| GIC | 120-179 Days GIC | 2.95% | US Dollar GICs, Non-Redeemable GIC | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| GIC | 18 Months GIC | 3.00% | 18 Month Non-Redeemable GIC | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| GIC | 18 Months GIC | 3.30% | 18 Month Non-Redeemable GIC, Special Rate | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| GIC | 180-269 Days GIC | 2.40% | Short Term GIC (minimum $1,000, interest paid at maturity) | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| GIC | 180-269 Days GIC | 3.10% | US Dollar GICs, Non-Redeemable GIC | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| GIC | 2 Year GIC | 2.875% | Long Term GIC - Monthly Interest (minimum $5,000) | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| GIC | 2 Year GIC | 3.00% | Long Term GIC - Annual Interest | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| GIC | 2 Year GIC | 3.30% | Long Term GIC - Annual Interest, Special Rate | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| GIC | 270-364 Days GIC | 2.40% | Short Term GIC (minimum $1,000, interest paid at maturity) | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| GIC | 270-364 Days GIC | 3.15% | US Dollar GICs, Non-Redeemable GIC | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| GIC | 3 Year GIC | 2.875% | Long Term GIC - Monthly Interest (minimum $5,000) | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| GIC | 3 Year GIC | 3.00% | Long Term GIC - Annual Interest | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| GIC | 3 Year GIC | 3.40% | Long Term GIC - Annual Interest, Special Rate | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| GIC | 30-59 Days GIC | 2.05% | Short Term GIC (minimum $1,000, interest paid at maturity) | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| GIC | 30-59 Days GIC | 2.80% | US Dollar GICs, Non-Redeemable GIC | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| GIC | 4 Year GIC | 2.875% | Long Term GIC - Monthly Interest (minimum $5,000) | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| GIC | 4 Year GIC | 3.00% | Long Term GIC - Annual Interest | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| GIC | 4 Year GIC | 3.50% | Long Term GIC - Annual Interest, Special Rate | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| GIC | 5 Year GIC | 3.225% | Long Term GIC - Monthly Interest (minimum $5,000) | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| GIC | 5 Year GIC | 3.35% | Long Term GIC - Annual Interest | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| GIC | 5 Year GIC | 3.65% | Long Term GIC - Annual Interest, Special Rate | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| GIC | 60-89 Days GIC | 2.10% | Short Term GIC (minimum $1,000, interest paid at maturity) | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| GIC | 60-89 Days GIC | 2.85% | US Dollar GICs, Non-Redeemable GIC | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| GIC | 90-119 Days GIC | 2.25% | Short Term GIC (minimum $1,000, interest paid at maturity) | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| GIC | 90-119 Days GIC | 2.90% | US Dollar GICs, Non-Redeemable GIC | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
Simplii Financial
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| 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 | 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 | 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 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) | 3.60% | 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 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 | 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 | 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 | 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 | 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 | 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 | 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 |
Simplii Financial GICs
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year GIC | 3.60% | Non-redeemable and non-registered; Minimum investment $100 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 2-year GIC | 3.60% | Non-redeemable and non-registered; Minimum investment $100 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 3-year GIC | 3.70% | Non-redeemable and non-registered; Minimum investment $100 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 4-year GIC | 3.95% | Non-redeemable and non-registered; Minimum investment $100 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 5-year GIC | 4.25% | Non-redeemable and non-registered; Minimum investment $100 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
Steinbach Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year non-redeemable GIC | 3.80% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 2-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 | 3-year non-redeemable GIC | 4.00% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 4-year non-redeemable GIC | 4.10% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 5-year non-redeemable GIC | 4.20% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
Sun Life
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year non-redeemable GIC | 3.30% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 2-year non-redeemable GIC | 3.35% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 3-year non-redeemable GIC | 3.40% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 4-year non-redeemable GIC | 3.45% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 5-year non-redeemable GIC | 3.50% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
TD
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year GIC (non-redeemable) | 3.00% | $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 | 3.00% | 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) | 3.20% | $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 | 3.20% | 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) | 3.30% | $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 | 3-year non-redeemable GIC | 3.30% | 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) | 3.35% | $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 | 4-year non-redeemable GIC | 3.35% | 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) | 3.55% | $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 | 5-year non-redeemable GIC | 3.55% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
TD Bank GICs
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year GIC | 3% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 2-year GIC | 3.20% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 3-year GIC | 3.30% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 4-year GIC | 3.35% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 5-year GIC | 3.55% | Non-redeemable and non-registered; Minimum investment $1,000 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
Tangerine
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1 Year GIC | 3.60% | Non-registered; fixed-rate, non-redeemable; Minimum deposit N/A | Best GIC Rates in Canada for November 2026 - NerdWallet Canada | GIC rates currently available, as of November 13, 2026 |
| GIC | 1-year GIC (non-redeemable) | 3.60% | $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 GIC (non-redeemable) | 3.75% | Minimum investment $500; non-redeemable and non-registered as described on page | The best GIC rates in Canada 2026 | Ratehub.ca | 2026-11-14 |
| GIC | 1-year GIC (non-redeemable) | 3.60% | Minimum deposit N/A as printed in table; fixed-rate, non-registered and non-redeemable as described on page | Best GIC Rates in Canada for November 2026 - NerdWallet Canada | 2026-11-13 |
| GIC | 1-year non-redeemable GIC | 3.60% | 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) | 3.85% | $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 GIC (non-redeemable) | 4.05% | Minimum investment $500; non-redeemable and non-registered as described on page | The best GIC rates in Canada 2026 | Ratehub.ca | 2026-11-14 |
| GIC | 2-year non-redeemable GIC | 3.85% | 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) | 4.10% | $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 GIC (non-redeemable) | 4.15% | Minimum investment $500; 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 | 4.10% | 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) | 4.15% | $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 GIC (non-redeemable) | 4.20% | Minimum investment $500; 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 | 4.15% | 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) | 4.25% | $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 | 5-year GIC (non-redeemable) | 4.25% | Minimum investment $500; 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 | 4.25% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
Tangerine GICs
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year GIC | 3.75% | Non-redeemable and non-registered; Minimum investment $500 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 2-year GIC | 4.05% | Non-redeemable and non-registered; Minimum investment $500 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 3-year GIC | 4.15% | Non-redeemable and non-registered; Minimum investment $500 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 4-year GIC | 4.20% | Non-redeemable and non-registered; Minimum investment $500 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
| GIC | 5-year GIC | 4.25% | Non-redeemable and non-registered; Minimum investment $500 | The best GIC rates in Canada 2026 | Ratehub.ca | As of November 2026 |
Ukrainian Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1 Year | 3.40% | GICs (Non-Redeemable) | Interest Rates | UCU | |
| GIC | 1 Year (new & existing funds) | 3.90% | U.S. Dollar GIC (Non-Redeemable) | Interest Rates | UCU | |
| GIC | 1 Year Redeemable (<= 90 days - 0%; > 90 days - 2.15%) | 2.15% | Deposit Specials | Interest Rates | UCU | |
| GIC | 1-Year Cashable | 2.15% | Term Deposits (Redeemable GICs) | Interest Rates | UCU | |
| GIC | 17 Months GIC (new money only) | 4.05% | Deposit Specials | Interest Rates | UCU | |
| GIC | 18 Months GIC | 3.25% | Deposit Specials | Interest Rates | UCU | |
| GIC | 180- 269 Days | 0.90% | Term Deposits (Redeemable GICs) | Interest Rates | UCU | |
| GIC | 2 Year | 3.75% | GICs (Non-Redeemable) | Interest Rates | UCU | |
| GIC | 2 Year (new & existing funds) | 4.00% | U.S. Dollar GIC (Non-Redeemable) | Interest Rates | UCU | |
| GIC | 270-359 Days | 1.00% | Term Deposits (Redeemable GICs) | Interest Rates | UCU | |
| GIC | 3 Months GIC (new money only) | 3.15% | Deposit Specials | Interest Rates | UCU | |
| GIC | 3 Year | 3.80% | GICs (Non-Redeemable) | Interest Rates | UCU | |
| GIC | 30 Months GIC | 3.85% | Deposit Specials | Interest Rates | UCU | |
| GIC | 30-89 Days | 0.60% | Term Deposits (Redeemable GICs) | Interest Rates | UCU | |
| GIC | 4 Year | 3.85% | GICs (Non-Redeemable) | Interest Rates | UCU | |
| GIC | 40 Months GIC | 3.95% | Deposit Specials | Interest Rates | UCU | |
| GIC | 5 Year | 4.00% | GICs (Non-Redeemable) | Interest Rates | UCU | |
| GIC | 55 Months GIC | 4.25% | Deposit Specials | Interest Rates | UCU | |
| GIC | 6 Months (new & existing funds) | 3.55% | U.S. Dollar GIC (Non-Redeemable) | Interest Rates | UCU | |
| GIC | 90-179 Days | 0.70% | Term Deposits (Redeemable GICs) | Interest Rates | UCU |
WFCU
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year non-redeemable GIC | 2.95% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 2-year non-redeemable GIC | 2.95% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 3-year non-redeemable GIC | 2.95% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 4-year non-redeemable GIC | 3.05% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 5-year non-redeemable GIC | 3.05% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
WFCU Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-Year Cashable GIC Special (RRSP, RRIF, TFSA and GIC) | 2.75% | Investment Rates | Rates - WFCU | |
| GIC | 1-Year GIC (fixed-rate investments, RRSP, RRIF, TFSA and GIC) | 2.95% | Fixed-Rate Investments (RRSP, RRIF, TFSA and GIC) | Rates - WFCU | |
| GIC | 1-Year GIC Special (RRSP, RRIF, TFSA and GIC) | 3.30% | Investment Rates | Rates - WFCU | |
| GIC | 180-364 Days Short-Term Deposit (RRSP, RRIF, GIC and TFSA) | 0.40% | Short-Term Deposits (RRSP, RRIF, GIC and TFSA) | Rates - WFCU | |
| GIC | 2-Year GIC (fixed-rate investments, RRSP, RRIF, TFSA and GIC) | 2.95% | Fixed-Rate Investments (RRSP, RRIF, TFSA and GIC) | Rates - WFCU | |
| GIC | 2-Year GIC Special (RRSP, RRIF, TFSA and GIC) | 3.35% | Investment Rates | Rates - WFCU | |
| GIC | 3-Year GIC (fixed-rate investments, RRSP, RRIF, TFSA and GIC) | 2.95% | Fixed-Rate Investments (RRSP, RRIF, TFSA and GIC) | Rates - WFCU | |
| GIC | 3-Year GIC Special (RRSP, RRIF, TFSA and GIC) | 3.40% | Investment Rates | Rates - WFCU | |
| GIC | 30-89 Days Short-Term Deposit (RRSP, RRIF, GIC and TFSA) | 0.20% | Short-Term Deposits (RRSP, RRIF, GIC and TFSA) | Rates - WFCU | |
| GIC | 4-Year GIC (fixed-rate investments, RRSP, RRIF, TFSA and GIC) | 3.05% | Fixed-Rate Investments (RRSP, RRIF, TFSA and GIC) | Rates - WFCU | |
| GIC | 4-Year GIC Special (RRSP, RRIF, TFSA and GIC) | 3.50% | Investment Rates | Rates - WFCU | |
| GIC | 5-Year GIC (fixed-rate investments, RRSP, RRIF, TFSA and GIC) | 3.05% | Fixed-Rate Investments (RRSP, RRIF, TFSA and GIC) | Rates - WFCU | |
| GIC | 5-Year GIC Special (RRSP, RRIF, TFSA and GIC) | 3.60% | Investment Rates | Rates - WFCU | |
| GIC | 90-179 Days Short-Term Deposit (RRSP, RRIF, GIC and TFSA) | 0.25% | Short-Term Deposits (RRSP, RRIF, GIC and TFSA) | Rates - WFCU | |
| GIC | Cashable, 1-Year GIC | 2.10% | Other Investments | Rates - WFCU | |
| GIC | Step-By-Step GIC/TFSA/FHSA | 2.10% | Other Investments | Rates - WFCU |
WealthONE
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year GIC (non-redeemable) | 4.05% | $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 | 4.05% | 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 | 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 | 3-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 | 4.40% | 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) | 4.45% | $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 | 4.45% | 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) | 4.55% | $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 | 5-year non-redeemable GIC | 4.55% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
WealthONE Bank of Canada
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1 Year GIC | 4.05% | Non-registered; fixed-rate, non-redeemable; Minimum deposit $1,000 | Best GIC Rates in Canada for November 2026 - NerdWallet Canada | GIC rates currently available, as of November 13, 2026 |
| GIC | 1-year GIC (non-redeemable) | 4.05% | Minimum deposit $1,000; fixed-rate, non-registered and non-redeemable as described on page | Best GIC Rates in Canada for November 2026 - NerdWallet Canada | 2026-11-13 |
| GIC | 5 Year GIC | 4.55% | Non-registered; fixed-rate, non-redeemable; Minimum deposit $1,000 | Best GIC Rates in Canada for November 2026 - NerdWallet Canada | GIC rates currently available, as of November 13, 2026 |
| GIC | 5-year GIC (non-redeemable) | 4.55% | Minimum deposit $1,000; fixed-rate, non-registered and non-redeemable as described on page | Best GIC Rates in Canada for November 2026 - NerdWallet Canada | 2026-11-13 |
Your Neighbourhood Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year GIC - $1,000-$19,999 | 3.10% | GIC Rates | YNCU | ||
| GIC | 1-year GIC - $100,000+ | 3.20% | GIC Rates | YNCU | ||
| GIC | 1-year GIC - $20,000-$99,999 | 3.15% | GIC Rates | YNCU | ||
| GIC | 1-year non-redeemable GIC | 3.10% | 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 - $1,000-$19,999 | 3.70% | GIC Rates | YNCU | ||
| GIC | 2-year GIC - $100,000+ | 3.70% | GIC Rates | YNCU | ||
| GIC | 2-year GIC - $20,000-$99,999 | 3.70% | GIC Rates | YNCU | ||
| GIC | 2-year non-redeemable GIC | 3.70% | 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 - $1,000-$19,999 | 3.45% | GIC Rates | YNCU | ||
| GIC | 3-year GIC - $100,000+ | 3.55% | GIC Rates | YNCU | ||
| GIC | 3-year GIC - $20,000-$99,999 | 3.50% | GIC Rates | YNCU | ||
| GIC | 3-year non-redeemable GIC | 3.45% | 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 - $1,000-$19,999 | 3.80% | GIC Rates | YNCU | ||
| GIC | 4-year GIC - $100,000+ | 3.90% | GIC Rates | YNCU | ||
| GIC | 4-year GIC - $20,000-$99,999 | 3.85% | GIC Rates | YNCU | ||
| GIC | 4-year non-redeemable GIC | 3.80% | 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 - $1,000-$19,999 | 4.25% | GIC Rates | YNCU | ||
| GIC | 5-year GIC - $100,000+ | 4.25% | GIC Rates | YNCU | ||
| GIC | 5-year GIC - $20,000-$99,999 | 4.25% | GIC Rates | YNCU | ||
| GIC | 5-year non-redeemable GIC | 4.25% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | Equity Advantage Series - 3 years - Max annual compound rate | 6.27% | GIC Rates | YNCU | ||
| GIC | Equity Advantage Series - 5 years - Max annual compound rate | 7.57% | GIC Rates | YNCU | ||
| GIC | Green Neighbourhoods - 3 years - Max annual compound rate | 6.67% | GIC Rates | YNCU | ||
| GIC | Green Neighbourhoods - 5 years - Max annual compound rate | 7.57% | GIC Rates | YNCU | ||
| GIC | Pay yourself first GIC - 1-year | 2.65% | GIC Rates | YNCU | ||
| GIC | Step Up: Escalating rate 3-year GIC - 1st year | 2.95% | GIC Rates | YNCU | ||
| GIC | Step Up: Escalating rate 3-year GIC - 2nd year | 3.55% | GIC Rates | YNCU | ||
| GIC | Step Up: Escalating rate 3-year GIC - 3rd year | 4.00% | GIC Rates | YNCU | ||
| GIC | Step Up: Escalating rate 3-year GIC - Average return | 3.50% | GIC Rates | YNCU | ||
| GIC | Step Up: Escalating rate 5-year GIC - 1st year | 2.95% | GIC Rates | YNCU | ||
| GIC | Step Up: Escalating rate 5-year GIC - 2nd year | 3.45% | GIC Rates | YNCU | ||
| GIC | Step Up: Escalating rate 5-year GIC - 3rd year | 3.90% | GIC Rates | YNCU | ||
| GIC | Step Up: Escalating rate 5-year GIC - 4th year | 4.20% | GIC Rates | YNCU | ||
| GIC | Step Up: Escalating rate 5-year GIC - 5th year | 4.50% | GIC Rates | YNCU | ||
| GIC | Step Up: Escalating rate 5-year GIC - Average return | 3.80% | GIC Rates | YNCU |
Three distinctions that decide what a row pays
A GIC shelf looks simple and hides three distinctions that decide what a row actually pays. The first is redeemability: a non-redeemable GIC locks the money until maturity and pays for the lock, while a redeemable or cashable GIC lets the holder out early at a lower rate, and the sources publish the two families side by side in the same type. The second distinction is between a guaranteed rate and a market-linked maximum: a handful of rows in this record print figures far above the rest of the shelf, and every one of them is a market-linked product quoting the most it could pay rather than the least it promises, so they are printed as published and named here so that nobody mistakes them for the guaranteed shelf. The third is where the certificate is held, since the same GIC pays the same rate inside a TFSA, an RRSP or a taxable account and keeps a different amount of it in each case, a distinction the sources carry on their own product pages.
The shelf, structured
Each row in the tables below belongs to one of the families in this count, read from the published term and conditions in the source's own wording: a shelf is structured here the way the institutions structure it themselves, so a reader can compare the non-redeemable shelf against the non-redeemable shelf and leave the market-linked maximums in their own row, where they belong. The published terms themselves name a registration for 42 TFSA rows, 11 RRSP rows, 10 RESP rows, 10 FHSA rows; every other row's registration wording rides in its conditions exactly as the source printed it, because most shelves publish one rate across registrations and say so there rather than in the term.
| Family, as published | Rows in this capture |
|---|---|
| Non-redeemable | 520 |
| Redeemable | 33 |
| Cashable | 9 |
| Market-linked | 6 |
| Family not stated in the published term | 259 |
Per-institution shelf pages
Every institution with eight or more published GIC rows in this capture also has its own shelf page, with its rows arranged by family and then by term.
- Access Credit Union: 58 published GIC rows, arranged by family
- FirstOntario Credit Union: 49 published GIC rows, arranged by family
- Servus Credit Union: 36 published GIC rows, arranged by family
- Your Neighbourhood Credit Union: 35 published GIC rows, arranged by family
- DUCA: 34 published GIC rows, arranged by family
- Newfoundland and Labrador Credit Union: 31 published GIC rows, arranged by family
- Northern Credit Union: 28 published GIC rows, arranged by family
- Kawartha Financial Services: 27 published GIC rows, arranged by family
- IC Savings: 26 published GIC rows, arranged by family
- Ukrainian Credit Union: 20 published GIC rows, arranged by family
- EQ Bank: 19 published GIC rows, arranged by family
- Tangerine: 17 published GIC rows, arranged by family
- Omista Credit Union: 16 published GIC rows, arranged by family
- WFCU Credit Union: 16 published GIC rows, arranged by family
- Saven Financial: 15 published GIC rows, arranged by family
- Achieva Financial: 15 published GIC rows, arranged by family
- Simplii Financial: 15 published GIC rows, arranged by family
- Haventree Bank: 14 published GIC rows, arranged by family
- WealthONE: 10 published GIC rows, arranged by family
- Oaken: 10 published GIC rows, arranged by family
- Hubert: 10 published GIC rows, arranged by family
- RBC: 10 published GIC rows, arranged by family
- BMO: 10 published GIC rows, arranged by family
- TD: 10 published GIC rows, arranged by family
- CIBC: 10 published GIC rows, arranged by family
- Scotiabank: 10 published GIC rows, arranged by family
- Affinity Credit Union: 9 published GIC rows, arranged by family
- Caisse Alliance: 9 published GIC rows, arranged by family
- East Coast Credit Union: 9 published GIC rows, arranged by family
- Provincial Credit Union: 9 published GIC rows, arranged by family
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