Canadian High Interest Savings Bank Accounts - Forum: GIC discussions

Dean on TD Direct Investing GIC Rates

Thu, 16 Apr 2026 06:20:00 -0700

Fear Not, Hwyc

I check those rates regularly ... they fluctuate ⬆️&⬇️ quite often.

Check back again next week.

Dean

hwyc on TD Direct Investing GIC Rates

Thu, 16 Apr 2026 05:11:11 -0700

The 3Y 3.83% rate didn't stay long.
It is down to 3.78% today

Pronounced Zed on TD Direct Investing GIC Rates

Thu, 16 Apr 2026 04:59:39 -0700

Interesting that the three year rate is 2.75% if bought directly from TD bank. Nice thing about using TDDI is that they will give you a higher rate to stay competitive. Even the one year rate is only 2.70%.

Jim Sherat on TD Direct Investing GIC Rates

Wed, 15 Apr 2026 22:08:08 -0700

hwyc said
Found rates delightfully competitive

1Y 3.29%
2Y 3.65%
3Y 3.83%

Noticed this last week, as I was late with TFSA contributions this year, and looking around for best GIC Options; easy decision to pump $7K for both wife and myself into that 3yr term.

Bill on TD Direct Investing GIC Rates

Tue, 14 Apr 2026 03:47:38 -0700

TDDI been doing this for a while now. Today the highest 3rd party issuers TDDI makes available are at 3.28% (1 year term) so via TDDI channel TD group GICs are offered at 3.29%.

Dean on TD Direct Investing GIC Rates

Tue, 14 Apr 2026 02:18:57 -0700

.
I would say 'More' than competitive❗

Especially when compared to These.

Dean

hwyc on TD Direct Investing GIC Rates

Mon, 13 Apr 2026 23:16:38 -0700

Found rates delightfully competitive

1Y 3.29%
2Y 3.65%
3Y 3.83%

gicjunkie on Finding the best GIC Rates

Thu, 19 Mar 2026 02:36:03 -0700

cgouimet said

I do not recall ever seeing Kingston CU in these forums or charts

Kingston CU is not in this forum or charts per se. They are in the rateinfo.ca website as offering the highest rate for a 5 year GIC at 4.05%.

cgouimet on Finding the best GIC Rates

Thu, 19 Mar 2026 01:54:00 -0700

gicjunkie said
How often do you update rateinfo.ca?
It appears that the 4.05% and 4.0% 5 year rates from Kingston CU do not now exist, unless these rates are not now advertised.

I do not recall ever seeing Kingston CU in these forums or charts

gicjunkie on Finding the best GIC Rates

Thu, 19 Mar 2026 00:39:01 -0700

How often do you update rateinfo.ca?
It appears that the 4.05% and 4.0% 5 year rates from Kingston CU do not now exist, unless these rates are not now advertised.

RetirEd on Interest paid yearly

Fri, 27 Feb 2026 16:15:36 -0800

I do it with Oaken, VanCity, and Peoples. And others in the past that I no longer use.

althisa on First Ontario Credit Union

Fri, 27 Feb 2026 13:57:02 -0800

maGIC said

90 day 4% GIC registered only
4 year 4% GIC registered and non registered

https://www.firstontario.com/r.....rest-rates

Does anyone have an account or info about them?

MaGIC

Yes, this offer was sent out to members by email.

TeraKaktos on Interest paid yearly

Thu, 26 Feb 2026 12:54:21 -0800

Tangerine can

Wrayzor on Interest paid yearly

Wed, 25 Feb 2026 22:30:58 -0800

I'm pretty sure Oaken has an annual payment option for TFSA GICs. I've never done it, but on their page with Registered GIC rates there is the statement "Annual interest is available for TFSA plans only".

mechone on Interest paid yearly

Wed, 25 Feb 2026 21:08:02 -0800

Alexandre said
Are you sure about that? I had EQ Bank 1yr TFSA GIC mature recently, both principal and annual interest went to TFSA Savings.
I bought another 1yr TFSA GIC and this is what it says under GIC Investment info page: "interest earned will be deposited to your TFSA Savings Account."

That's one year. I bought a 2 year and they wouldn't pay out until 2 years. I want to buy a 5 year paying out yearly.