For Canadian savers & investors

Compare competitive GIC rates across Canada

Filter available GIC options by term, account type, deposit amount, and province — then request access to a specific rate or a general no-obligation rate review.

1 to 5 year terms
TFSA · RRSP · RRIF · RESP · FHSA
Non-registered · Corporate · Trust · Estate
All provinces & territories
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Rates are subject to change and availability. Any rate must be verified with the provider before proceeding.

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7 options matching your filters

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4.25%1 year · Non-redeemable
Trust Company · min $1,000
Request
4.20%5 years · Non-redeemable
Bank · min $5,000
Request
4.15%2 years · Non-redeemable
Bank · min $5,000
Request

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Rates are subject to change and availability. Any rate shown must be verified with the provider before proceeding. Submitting an inquiry does not guarantee access to any specific rate, product, or provider.

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From 1 to 5 years.

Registered & non-registered

TFSA, RRSP, RRIF, RESP, FHSA and more.

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Rates

Current GIC rate comparison

Compare available rates by term, account type, province, and deposit amount. Rates are subject to change and should be verified with the provider before proceeding.

TermDeposit amountGIC typeProvinceEligibilitySort by

Sample rate preview. Rates shown are demo data for layout only and must be replaced with verified live data before launch. Rates, eligibility, and terms are subject to change — verify with the provider before proceeding.

Provider	Rate	Term	GIC type	Min. deposit	Interest	Availability	Updated
Demo Provider A Demo Trust Company	4.25% Fixed	1 year	Non-redeemable	$1,000	Annual, Compounded annually, At maturity	All provinces & territories	2026-06-15
Demo Provider D Demo Bank	4.20% Fixed	5 years	Non-redeemable	$5,000	Monthly, Semi-annual, Annual, Compounded annually	All provinces & territories	2026-06-18
Demo Provider B Demo Bank	4.15% Fixed	2 years	Non-redeemable	$5,000	Semi-annual, Annual, Compounded annually	All provinces & territories	2026-06-20
Demo Provider E Demo Trust Company	4.10% Fixed	1 year	Cashable	$1,000	Annual, Compounded annually	All provinces & territories	2026-06-25
Demo Provider G Demo Broker	4.10% Fixed	4 years	Non-redeemable	$25,000	Monthly, Semi-annual, Annual, Compounded annually	All provinces & territories	2026-06-21
Demo Provider C Demo Credit Union	4.05% Fixed	3 years	Non-redeemable	$1,000	Monthly, Annual, At maturity	Ontario, British Columbia, Alberta	2026-06-22
Demo Provider I Demo Bank	4.00% Escalating	5 years	Escalating rate	$500	Annual, Compounded annually	All provinces & territories	2026-06-10

Demo Provider A

Demo

Trust Company · Non-redeemable

4.25%

1 year

Min deposit: $1,000
Updated: 2026-06-15
Accounts: Non-registered, TFSA, RRSP, RRIF, FHSA
Interest: Annual, Compounded annually, At maturity

Demo Provider D

Demo

Bank · Non-redeemable

4.20%

5 years

Min deposit: $5,000
Updated: 2026-06-18
Accounts: Non-registered, TFSA, RRSP, RRIF, FHSA, Corporate
Interest: Monthly, Semi-annual, Annual, Compounded annually

Demo Provider B

Demo

Bank · Non-redeemable

4.15%

2 years

Min deposit: $5,000
Updated: 2026-06-20
Accounts: Non-registered, TFSA, RRSP, Corporate
Interest: Semi-annual, Annual, Compounded annually

Demo Provider E

Demo

Trust Company · Cashable

4.10%

1 year

Min deposit: $1,000
Updated: 2026-06-25
Accounts: Non-registered, TFSA, RRSP
Interest: Annual, Compounded annually

Demo Provider G

Demo

Broker · Non-redeemable

4.10%

4 years

Min deposit: $25,000
Updated: 2026-06-21
Accounts: Non-registered, TFSA, RRSP, RRIF, Corporate, Trust, Estate
Interest: Monthly, Semi-annual, Annual, Compounded annually

Demo Provider C

Demo

Credit Union · Non-redeemable

4.05%

3 years

Min deposit: $1,000
Updated: 2026-06-22
Accounts: Non-registered, TFSA, RRSP, RRIF, RESP
Interest: Monthly, Annual, At maturity

Demo Provider I

Demo

Bank · Escalating rate

4.00%

5 years

Min deposit: $500
Updated: 2026-06-10
Accounts: Non-registered, TFSA, RRSP
Interest: Annual, Compounded annually

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How it works

How GICRateCompare.com works

1
Compare available rates
Use filters to compare GIC options by term, account type, deposit amount, and province.
2
Choose the rate to explore
Select the GIC option that looks most relevant — or request a general rate review.
3
Submit your inquiry
Share a few details so your request can be matched with relevant options.
4
Receive next steps
If suitable options are available, you can be connected with the appropriate provider or specialist.

Submitting an inquiry does not guarantee access to any specific rate, product, or provider.

Why compare

See how a rate difference may affect your interest

Even a small difference in rate can have a meaningful impact on larger balances or longer terms.

Deposit amount (CAD)Term length (years)Current rate (%)Alternative rate (%)

Interest at current rate$6,375

Interest at alternative rate$7,575

Estimated difference+$1,200

Illustration only. Uses simple interest and does not account for taxes, compounding frequency, account type, early redemption, fees, or individual circumstances. Actual returns depend on provider terms and product details.

GIC guide

Understand your GIC options before you choose

Fixed-rate GICs

A fixed-rate GIC pays a stated rate for a set term, subject to the provider's terms and conditions.

Cashable or redeemable GICs

May provide more flexibility, but often have different rates, holding periods, or redemption rules.

Registered GICs

May be available inside TFSAs, RRSPs, RRIFs, RESPs, or FHSAs depending on provider availability.

Non-registered GICs

May suit savers investing personal cash outside registered plans. Review tax treatment with a qualified professional.

Corporate GICs

Corporations may be able to hold GICs, depending on provider criteria and account setup.

GIC laddering

Some savers spread funds across multiple terms to balance rate, access, and renewal flexibility.

Compare rates by term →

Always review the provider's terms, redemption rules, interest payment options, and deposit protection details before proceeding.

Who it's for

Who may benefit from comparing GIC rates?

Retirees looking for predictable interest

Compare terms and interest payment options that may suit income-focused savers.

Savers with maturing GICs

Compare current rates before automatically renewing with your existing bank.

Investors with large cash balances

Explore options across providers, terms, and account types.

Recent lump-sum recipients

People who sold property or received an inheritance or bonus.

Business owners with corporate cash

Corporate GICs may be available depending on provider criteria.

Registered account holders

Canadians reviewing TFSA, RRSP, RRIF, RESP, or FHSA options.

This may not be suitable if:

• You need full daily access to your cash
• You are seeking high-growth investments
• You are unwilling to accept fixed-term restrictions
• You are not comfortable reviewing provider terms before proceeding

Common reasons

Common reasons Canadians compare GIC rates

"My GIC is maturing soon"

Compare current rates before automatically renewing with your existing bank.

Compare renewal options →

"I have cash in a savings account"

Explore whether a fixed-term GIC could offer a more competitive rate, subject to your access needs.

Compare short-term rates →

"I want predictable interest"

Compare terms and interest payment options that may suit income-focused savers.

Review income options →

"I have corporate, trust, or estate funds"

Some options may depend on account structure, provider criteria, and documentation.

Request a review →

FAQ

GIC questions Canadians often ask

What is a GIC?

A Guaranteed Investment Certificate is a Canadian deposit product offered for a set term and stated rate, subject to the provider's terms and conditions.

Are GIC rates guaranteed?

Once a fixed-rate GIC is purchased, the stated rate generally applies for the term, subject to the product's terms. However, advertised or listed rates can change before purchase and may depend on eligibility, account type, deposit amount, province, and provider criteria.

Does GICRateCompare.com show every GIC in Canada?

No. The website compares the available or listed GIC options included in its data source. Users should verify rates and terms directly with the provider before proceeding.

Are deposits insured?

Deposit insurance or protection depends on the financial institution, product, account category, jurisdiction, and applicable limits. Review provider-specific protection details before purchasing.

Can I hold a GIC in a TFSA, RRSP, or FHSA?

Many providers offer GICs for registered accounts such as TFSAs, RRSPs, RRIFs, RESPs, and FHSAs, but availability depends on the provider and account type.

What is the difference between cashable and non-redeemable GICs?

Cashable or redeemable GICs may provide more access to funds, often at a lower rate. Non-redeemable GICs usually require funds to remain invested for the full term. Rates and conditions vary by provider.

Is there a fee to use GICRateCompare.com?

The rate comparison and inquiry process is free for users unless a fee is introduced and disclosed. If compensation is received from providers, brokers, or partners, a disclosure will be published on the site.

Will I receive financial advice?

Information on this website is general in nature and does not constitute personal financial, tax, or legal advice. Users should speak with an appropriately qualified professional where needed.

How often are rates updated?

Each listed rate shows a last-updated date. Rates can change without notice and must be verified with the provider before proceeding.

What happens after I request a rate?

Your inquiry is reviewed and, where suitable, you may receive information or be connected with a relevant provider, broker, deposit specialist, or rate opportunity.

Have cash to place in a GIC?

Compare available GIC rates by term, account type, province, and deposit amount — then request a no-obligation rate review.

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