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Email thisThis chart summarizes 1- to 5-year Canadian non-redeemable, non-registered, annually compounding GIC rates for the financial institutions. Rates are updated every day at 9:05am Pacific / 12:05pm Eastern. See also our savings account comparison chart. To be included in the GIC chart, rates have to be posted publicly and be available without needing to go through a broker.
To access GIC rate histories, click on the date link in each row.
This chart is for informational purposes only and provided on a best-effort basis. Please double check the rates with the respective financial institutions and do your own research on account GIC features. Please post any errors in the forum and they will be corrected ASAP.
| Bank / Credit Union name | Updated | 1-year | 2-year | 3-year | 4-year | 5-year |
|---|---|---|---|---|---|---|
| Oaken Financial | Sep 24 | 1.40 | 1.50 | 1.70 | 2.00 | 2.20 |
| EQ Bank | Sep 24 | 1.40 | 1.60 | 1.80 | 1.90 | 2.20 |
| Concentra Bank | Sep 24 | 1.30 | 1.45 | 1.65 | 1.75 | 2.10 |
| Motive Financial | Sep 24 | 1.35 | 1.45 | 1.65 | 1.90 | 2.00 |
| Peoples Trust* | Sep 24 | 1.45 | 1.50 | 1.60 | 1.90 | 2.00 |
| LBC Digital | Sep 24 | 1.20 | 1.50 | 1.70 | 1.80 | 2.00 |
| Wealth One Bank of Canada | Sep 24 | 1.40 | 1.55 | 1.70 | 1.80 | 1.90 |
| Canadian Tire Bank | Sep 24 | 0.50 | 0.75 | 0.85 | 0.95 | 1.90 |
| AcceleRate Financial | Sep 24 | 1.40 | 1.45 | 1.55 | 1.65 | 1.85 |
| ICICI Bank | Sep 24 | 0.80 | 1.00 | 1.40 | 1.60 | 1.85 |
| Achieva Financial | Sep 24 | 1.45 | 1.50 | 1.60 | 1.65 | 1.80 |
| Outlook Financial | Sep 24 | 1.15 | 1.45 | 1.50 | 1.60 | 1.80 |
| Hubert Financial | Sep 24 | 1.30 | 1.40 | 1.50 | 1.60 | 1.70 |
| MAXA Financial | Sep 24 | 1.10 | 1.25 | 1.40 | 1.55 | 1.70 |
| Implicity Financial | Sep 24 | 1.10 | 1.40 | 1.40 | 1.50 | 1.65 |
| Ideal Savings | Sep 24 | 1.31 | 1.41 | 1.51 | 1.56 | 1.61 |
| motusbank | Sep 24 | 1.40 | 1.20 | 1.30 | 1.40 | 1.50 |
| Tangerine Bank | Sep 24 | 0.60 | 0.75 | 1.05 | 1.25 | 1.50 |
| Simplii Financial | Sep 24 | 0.50 | 0.75 | 1.00 | 1.25 | 1.50 |
| Meridian Credit Union | Sep 24 | 1.00 | 1.25 | 1.30 | 1.35 | 1.45 |
| Alterna Bank | Sep 24 | 1.00 | 1.15 | 1.15 | 1.20 | 1.30 |
* Peoples Bank has the same parent company as Peoples Trust and offers the same interest rates
GIC promos below for the financial institutions on our chart. See also the promos page for additional GIC promos.
- Wealth One Bank of Canada: 2.88% for a 5-year GIC if you use promo code GIC5Y between September 20 and October 20, 2021
- Oaken Financial: 1.60% for an 18-month GIC
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