Canadian deposit rates

Bank deposit rates, dated.

Posted GIC, savings, prime and mortgage rates from institutions' own published surfaces — captured every week, so every figure carries the date it was true. The Bank of Canada's official composite anchors the set.

Major chartered banks — posted rates (official)

Official Bank of Canada composite of the six major chartered banks' posted rates (weekly) — an anchor and cross-check, not a bank's offer. Bank of Canada Valet series bankofcanada.ca; captured October 25, 2026, effective October 21, 2026.

GIC (non-redeemable)

Term	Rate
1 year	2.45%
3 years	3.20%
5 years	2.75%

Mortgage

Term	Rate
1 year	5.49%
3 years	6.05%
5 years	6.19%

Personal loan

Term	Rate
5 years	2.65%

Prime

Term	Rate
prime rate	4.45%

Savings

Term	Rate
balance $100,000+ (posted daily)	0.01%
non-chequable savings account	0.01%

Bank of Canada composite — full page →

BMO Bank of Montreal

Posted rates from BMO's own site, captured logged-out on October 25, 2026. See changes →

GIC auto-renewal > compounded annually

Term	Rate
1 year – under 18 months	3.00%auto-renewal, compounded annually
18 months – under 19 months	3.20%auto-renewal, compounded annually
19 months – under 2 years	3.20%auto-renewal, compounded annually
2 years – under 3 years	3.20%auto-renewal, compounded annually
3 years – under 4 years	3.30%auto-renewal, compounded annually
4 years – under 5 years	3.35%auto-renewal, compounded annually
5 years – under 6 years	3.55%auto-renewal, compounded annually
6 years – under 7 years	3.65%auto-renewal, compounded annually
7 years exactly	3.70%auto-renewal, compounded annually
10 years	3.75%auto-renewal, compounded annually

GIC auto-renewal > monthly / semi-annually

Term	Rate
1 year – under 18 months	2.90%auto-renewal, monthly / semi-annual
18 months – under 19 months	3.10%auto-renewal, monthly / semi-annual
19 months – under 2 years	3.10%auto-renewal, monthly / semi-annual
2 years – under 3 years	3.10%auto-renewal, monthly / semi-annual
3 years – under 4 years	3.20%auto-renewal, monthly / semi-annual
4 years – under 5 years	3.25%auto-renewal, monthly / semi-annual
5 years – under 6 years	3.45%auto-renewal, monthly / semi-annual
6 years – under 7 years	3.55%auto-renewal, monthly / semi-annual
7 years exactly	3.60%auto-renewal, monthly / semi-annual
10 years	3.65%auto-renewal, monthly / semi-annual

BMO Guaranteed Investment Certificate (GIC) > compounded annually

Term	Rate
1 year – under 18 months	3.00%
18 months – under 19 months	3.20%
19 months – under 2 years	3.20%
2 years – under 3 years	3.20%
3 years – under 4 years	3.30%
4 years – under 5 years	3.35%
5 years – under 6 years	3.55%
6 years – under 7 years	3.65%
7 years – under 10 years	3.70%
10 years	3.75%

BMO Guaranteed Investment Certificate (GIC) > monthly / semi-annually

Term	Rate
1 year – under 18 months	2.90%paid monthly
18 months – under 19 months	3.10%paid monthly
19 months – under 2 years	3.10%paid monthly
2 years – under 3 years	3.10%paid monthly
3 years – under 4 years	3.20%paid monthly
4 years – under 5 years	3.25%paid monthly
5 years – under 6 years	3.45%paid monthly
6 years – under 7 years	3.55%paid monthly
7 years – under 10 years	3.60%paid monthly
10 years	3.65%paid monthly

RDSP auto-renewal > compounded annually

Term	Rate
1 year – under 18 months	3.00%auto-renewal, compounded annually
18 months – under 19 months	3.20%auto-renewal, compounded annually
19 months – under 2 years	3.20%auto-renewal, compounded annually
2 years – under 3 years	3.20%auto-renewal, compounded annually
3 years – under 4 years	3.30%auto-renewal, compounded annually
4 years – under 5 years	3.35%auto-renewal, compounded annually
5 years – under 6 years	3.55%auto-renewal, compounded annually
6 years – under 7 years	3.65%auto-renewal, compounded annually
7 years exactly	3.70%auto-renewal, compounded annually
10 years	3.75%auto-renewal, compounded annually

RESP auto-renewal > compounded annually

Term	Rate
1 year – under 18 months	3.00%auto-renewal, compounded annually
18 months – under 19 months	3.20%auto-renewal, compounded annually
19 months – under 2 years	3.20%auto-renewal, compounded annually
2 years – under 3 years	3.20%auto-renewal, compounded annually
3 years – under 4 years	3.30%auto-renewal, compounded annually
4 years – under 5 years	3.35%auto-renewal, compounded annually
5 years – under 6 years	3.55%auto-renewal, compounded annually
6 years – under 7 years	3.65%auto-renewal, compounded annually
7 years exactly	3.70%auto-renewal, compounded annually
10 years	3.75%auto-renewal, compounded annually

RRIF auto-renewal > compounded annually

Term	Rate
12–17 months	3.00%auto-renewal, compounded annually
18–23 months	3.20%auto-renewal, compounded annually
24–35 months	3.20%auto-renewal, compounded annually
36–47 months	3.30%auto-renewal, compounded annually
48–59 months	3.35%auto-renewal, compounded annually
60–71 months	3.55%auto-renewal, compounded annually
72–83 months	3.65%auto-renewal, compounded annually
84 months	3.70%auto-renewal, compounded annually
85–119 months	3.70%auto-renewal, compounded annually
120–179 months	3.75%auto-renewal, compounded annually
180–240 months	3.75%auto-renewal, compounded annually

RRSP auto-renewal > compounded annually

Term	Rate
3 months	1.75%auto-renewal, compounded annually
6–8 months	2.05%auto-renewal, compounded annually
9–12 months	2.05%auto-renewal, compounded annually
12 – under 16 months	3.00%auto-renewal, compounded annually
16 – under 18 months	3.00%auto-renewal, compounded annually
18 – under 19 months	3.20%auto-renewal, compounded annually
19 – under 24 months	3.20%auto-renewal, compounded annually
24 – under 30 months	3.20%auto-renewal, compounded annually
30 – under 36 months	3.20%auto-renewal, compounded annually
36 – under 42 months	3.30%auto-renewal, compounded annually
42 – under 48 months	3.30%auto-renewal, compounded annually
48 – under 51 months	3.35%auto-renewal, compounded annually
51 – under 60 months	3.35%auto-renewal, compounded annually
60 – under 72 months	3.55%auto-renewal, compounded annually
72 – under 84 months	3.65%auto-renewal, compounded annually
84 – under 120 months	3.70%auto-renewal, compounded annually
120 months	3.75%auto-renewal, compounded annually

TFSA auto-renewal > compounded annually

Term	Rate
1 year – under 18 months	3.00%auto-renewal, compounded annually
18 months – under 19 months	3.20%auto-renewal, compounded annually
19 months – under 2 years	3.20%auto-renewal, compounded annually
2 years – under 3 years	3.20%auto-renewal, compounded annually
3 years – under 4 years	3.30%auto-renewal, compounded annually
4 years – under 5 years	3.35%auto-renewal, compounded annually
5 years – under 6 years	3.55%auto-renewal, compounded annually
6 years – under 7 years	3.65%auto-renewal, compounded annually
7 years exactly	3.70%auto-renewal, compounded annually
10 years	3.75%auto-renewal, compounded annually

Term Deposit Receipt > $100,001+ investment

Term	Rate
1–29 days $100,001+ investment	0.05%
30–59 days $100,001+ investment	1.75%
60–89 days $100,001+ investment	1.75%
90–119 days $100,001+ investment	1.75%
120-179d $100,001+ investment	1.75%
180–269 days $100,001+ investment	2.00%
270–364 days $100,001+ investment	2.00%
2 years – under 3 years $100,001+ investment	2.30%
3 years – under 4 years $100,001+ investment	2.45%
4 years – under 5 years $100,001+ investment	2.60%
5 years $100,001+ investment	2.65%
1y-2y $100,001+ investment	2.20%

Term Deposit Receipt > $10,001 - $100,000 investment

Term	Rate
30–59 days $10,001 - $100,000 investment	1.75%
60–89 days $10,001 - $100,000 investment	1.75%
90–119 days $10,001 - $100,000 investment	1.75%
120-179d $10,001 - $100,000 investment	1.75%
180–269 days $10,001 - $100,000 investment	2.00%
270–364 days $10,001 - $100,000 investment	2.00%
2 years – under 3 years $10,001 - $100,000 investment	2.30%
3 years – under 4 years $10,001 - $100,000 investment	2.45%
4 years – under 5 years $10,001 - $100,000 investment	2.60%
5 years $10,001 - $100,000 investment	2.65%
1y-2y $10,001 - $100,000 investment	2.20%

Term Deposit Receipt > $1,000 - $10,000 investment

Term	Rate
2 years – under 3 years $1,000 - $10,000 investment	2.30%
3 years – under 4 years $1,000 - $10,000 investment	2.45%
4 years – under 5 years $1,000 - $10,000 investment	2.60%
5 years $1,000 - $10,000 investment	2.65%
1y-2y $1,000 - $10,000 investment	2.20%

U.S. $ Fixed-Term Deposit > $100,000 +

Term	Rate
1d $100,000 +	0.05% US
2–29 days $100,000 +	0.05% US
30–59 days $100,000 +	2.70% US
60–89 days $100,000 +	2.75% US
90–119 days $100,000 +	2.80% US
120-179d $100,000 +	2.85% US
180–269 days $100,000 +	2.90% US
270–364 days $100,000 +	2.95% US
2 years – under 3 years $100,000 +	3.95% US
3 years – under 4 years $100,000 +	4.00% US
4 years – under 5 years $100,000 +	4.05% US
5 years $100,000 +	4.10% US
1y-2y $100,000 +	4.00% US

BMO Bank of Montreal — full page →

Coast Capital Savings

Posted rates from Coast's own site, captured logged-out on October 25, 2026. See changes →

gics#t3r1

Term	Rate
1 year	2.15%

gics#t0r1

Term	Rate
1 year	3.00%

gics#t1r2

Term	Rate
15 months	3.15%

gics#t1r3

Term	Rate
18 months	3.25%

gics#t2r1

Term	Rate
1mo	1.90%

gics#t1r1

Term	Rate
1 year	3.10%

gics#t2r2

Term	Rate
2mo	1.95%

gics#t1r4

Term	Rate
2 years	3.40%

gics#t2r3

Term	Rate
3 months	2.00%

gics#t1r5

Term	Rate
3 years	3.60%

gics#t2r4

Term	Rate
4mo	2.20%

gics#t1r6

Term	Rate
4 years	3.70%

gics#t1r7

Term	Rate
5 years	3.80%

gics#t2r5

Term	Rate
6mo	2.40%

gics#t2r6

Term	Rate
9mo	2.60%

Coast Capital Savings — full page →

Desjardins

Posted rates from Desjardins's own site, captured logged-out on October 25, 2026. See changes →

rates#t2r1

Term	Rate
1 year	2.00%

rates#t1r17

Term	Rate
10 years	4.00%

rates#t1r4

Term	Rate
119d	1.90%

rates#t1r5

Term	Rate
179d	1.90%

rates#t0r2

Term	Rate
1 year	3.40%

rates#t4r1

Term	Rate
1 year	3.30%paid monthly

rates#t1r6

Term	Rate
269d	2.20%

rates#t0r1

Term	Rate
26mo	3.60%

rates#t1r1

Term	Rate
29mo	3.50%

rates#t0r3

Term	Rate
2 years	3.40%

rates#t4r2

Term	Rate
2 years	3.30%paid monthly

rates#t1r7

Term	Rate
364d	2.30%

rates#t0r4

Term	Rate
3 years	3.40%

rates#t4r3

Term	Rate
3 years	3.30%paid monthly

rates#t0r5

Term	Rate
4 years	3.45%

rates#t4r4

Term	Rate
4 years	3.35%paid monthly

rates#t1r2

Term	Rate
59d	1.70%

rates#t0r6

Term	Rate
5 years	4.10%

rates#t4r5

Term	Rate
5 years	4.00%paid monthly

rates#t1r13

Term	Rate
6y	4.00%

rates#t1r14

Term	Rate
7 years exactly	4.00%

rates#t1r3

Term	Rate
89d	1.70%

rates#t1r15

Term	Rate
8y	4.00%

rates#t1r16

Term	Rate
9y	4.00%

Desjardins — full page →

Innovation Federal Credit Union

Posted rates from Innovation's own site, captured logged-out on October 25, 2026. See changes →

investment-rates#t0r1

Term	Rate
1 year	2.00%

investment-rates#t3r1

Term	Rate
3 years	3.15%

investment-rates#t1r1

Term	Rate
1 year	3.15%

investment-rates#t1r2

Term	Rate
2 years	3.20%

investment-rates#t1r3

Term	Rate
3 years	3.25%

investment-rates#t1r4

Term	Rate
4 years	3.30%

investment-rates#t1r5

Term	Rate
5 years	3.40%

Innovation Federal Credit Union — full page →

Meridian Credit Union

Posted rates from Meridian's own site, captured logged-out on October 25, 2026. See changes →

Cashable GIC

Term	Rate
1 year	3.00%
0–90 days	0.00%redemption rate
91–365 days	3.00%redemption rate

Escalator GICs > 3-Year Escalator GIC

Term	Rate
3 years	4.00%equivalent flat yield
3y_y1	3.60%
3y_y2	4.00%
3y_y3	4.40%

Escalator GICs > 5-Year Escalator GIC

Term	Rate
5 years	4.20%equivalent flat yield
5-year stepper — year 1	3.70%
5-year stepper — year 2	3.90%
5-year stepper — year 3	4.10%
5-year stepper — year 4	4.30%
5-year stepper — year 5	5.00%

U.S. Dollar GICs > Short term GICs

Term	Rate
30 days	2.80% US
60 days	2.90% US
90 days	3.00% US
180 days	3.15% US
270 days	3.15% US

Non-redeemable fixed rate GICs > Short term GICs

Term	Rate
30 days	2.00%
60 days	2.15%
90 days	2.40%
180 days	2.60%
270 days	2.70%

Non-redeemable fixed rate GICs > Long term GICs

Term	Rate
18 months	3.65%
1 year	3.40%
2 years	3.80%
3 years	4.00%
4 years	4.10%
5 years	4.20%

U.S. Dollar GICs > Long term GICs

Term	Rate
1 year	4.25% US
2 years	4.45% US
3 years	4.50% US
4 years	4.45% US
5 years	4.50% US

Raise the Rate GICs

Term	Rate
3 years	3.90%
5 years	4.10%

Meridian Credit Union — full page →

National Bank of Canada

Posted rates from National's own site, captured logged-out on October 25, 2026. See changes →

gic__nb-redeemable.html > c1 > /content/productcatalog/cpg/CPG-R/OFFRE-GEN/LONG-S-NBC-12M-A

Term	Rate
1 year min $500	0.35%

gic__nb-redeemable.html > c1 > /content/productcatalog/cpg/CPG-R/OFFRE-GEN/LONG-S-NBC-24M-A

Term	Rate
2 years min $500	0.40%

gic__nb-redeemable.html > c1 > /content/productcatalog/cpg/CPG-R/OFFRE-GEN/LONG-C-NBC-24M-A

Term	Rate
2 years min $500	0.40%compound interest

gic__nb-redeemable.html > c1 > /content/productcatalog/cpg/CPG-R/OFFRE-GEN/LONG-S-NBC-36M-A

Term	Rate
3 years min $500	0.45%

gic__nb-redeemable.html > c1 > /content/productcatalog/cpg/CPG-R/OFFRE-GEN/LONG-C-NBC-36M-A

Term	Rate
3 years min $500	0.45%compound interest

gic__nb-redeemable.html > c1 > /content/productcatalog/cpg/CPG-R/OFFRE-GEN/LONG-S-NBC-48M-A

Term	Rate
4 years min $500	0.55%

gic__nb-redeemable.html > c1 > /content/productcatalog/cpg/CPG-R/OFFRE-GEN/LONG-C-NBC-48M-A

Term	Rate
4 years min $500	0.55%compound interest

gic__nb-redeemable.html > c1 > /content/productcatalog/cpg/CPG-R/OFFRE-GEN/LONG-S-NBC-60M-A

Term	Rate
5 years min $500	0.65%

gic__nb-redeemable.html > c1 > /content/productcatalog/cpg/CPG-R/OFFRE-GEN/LONG-C-NBC-60M-A

Term	Rate
5 years min $500	0.65%compound interest

gic__nb-redeemable-without-penalty.html > c1 > /content/productcatalog/cpg/CPG-R-SP/OFFRE-GEN/A30J-S-NBC-12M-A

Term	Rate
1 year min $500	0.30%

gic__nb-redeemable-without-penalty.html > c1 > /content/productcatalog/cpg/CPG-R-SP/OFFRE-GEN/A6M-S-NBC-24M-A

Term	Rate
2 years min $500	0.50%

gic__nb-redeemable-without-penalty.html > c1 > /content/productcatalog/cpg/CPG-R-SP/OFFRE-GEN/A6M-C-NBC-24M-A

Term	Rate
2 years min $500	0.50%compound interest

gic__nb-non-redeemable.html > c1 > /content/productcatalog/cpg/CPG-N/OFFRE-GEN/LONG-S-NBC-18M-A

Term	Rate
18 months min $500	3.30%

gic__nb-non-redeemable.html > c1 > /content/productcatalog/cpg/CPG-N/OFFRE-GEN/LONG-C-NBC-18M-A

Term	Rate
18 months min $500	3.30%compound interest

gic__nb-non-redeemable.html > c1 > /content/productcatalog/cpg/CPG-N/OFFRE-GEN/LONG-S-NBC-12M-A

Term	Rate
1 year min $500	3.15%

gic__nb-non-redeemable.html > c1 > /content/productcatalog/cpg/CPG-N/OFFRE-GEN/LONG-S-NBC-24M-A

Term	Rate
2 years min $500	3.55%

gic__nb-non-redeemable.html > c1 > /content/productcatalog/cpg/CPG-N/OFFRE-GEN/LONG-C-NBC-24M-A

Term	Rate
2 years min $500	3.55%compound interest

gic__nb-non-redeemable.html > c1 > /content/productcatalog/cpg/CPG-N/OFFRE-GEN/SHRT-S-NBC-3M-MA

Term	Rate
3 months min $500	0.30%

gic__nb-non-redeemable.html > c1 > /content/productcatalog/cpg/CPG-N/OFFRE-GEN/LONG-S-NBC-36M-A

Term	Rate
3 years min $500	3.75%

gic__nb-non-redeemable.html > c1 > /content/productcatalog/cpg/CPG-N/OFFRE-GEN/LONG-C-NBC-36M-A

Term	Rate
3 years min $500	3.75%compound interest

gic__nb-non-redeemable.html > c1 > /content/productcatalog/cpg/CPG-N/OFFRE-GEN/LONG-S-NBC-48M-A

Term	Rate
4 years min $500	3.85%

gic__nb-non-redeemable.html > c1 > /content/productcatalog/cpg/CPG-N/OFFRE-GEN/LONG-C-NBC-48M-A

Term	Rate
4 years min $500	3.85%compound interest

gic__nb-non-redeemable.html > c1 > /content/productcatalog/cpg/CPG-N/OFFRE-GEN/LONG-S-NBC-60M-A

Term	Rate
5 years min $500	4.00%

gic__nb-non-redeemable.html > c1 > /content/productcatalog/cpg/CPG-N/OFFRE-GEN/LONG-C-NBC-60M-A

Term	Rate
5 years min $500	4.00%compound interest

gic__nb-non-redeemable.html > c1 > /content/productcatalog/cpg/CPG-N/OFFRE-GEN/SHRT-S-NBC-6M-MA

Term	Rate
6mo min $500	1.50%

gic__nb-non-redeemable.html > c1 > /content/productcatalog/cpg/CPG-N/OFFRE-GEN/SHRT-S-NBC-9M-MA

Term	Rate
9mo min $500	1.85%

gic__nb-redeemable-usd.html > c1 > /content/productcatalog/cpg/CPG-R-US/OFFRE-GEN/LONG-S-NBC-12M-A

Term	Rate
1 year min $500	0.30% US

gic__nb-redeemable-usd.html > c1 > /content/productcatalog/cpg/CPG-R-US/OFFRE-GEN/LONG-S-NBC-24M-A

Term	Rate
2 years min $500	0.45% US

gic__nb-redeemable-usd.html > c1 > /content/productcatalog/cpg/CPG-R-US/OFFRE-GEN/LONG-C-NBC-24M-A

Term	Rate
2 years min $500	0.45%compound interest US

gic__nb-redeemable-usd.html > c1 > /content/productcatalog/cpg/CPG-R-US/OFFRE-GEN/LONG-S-NBC-36M-A

Term	Rate
3 years min $500	0.60% US

gic__nb-redeemable-usd.html > c1 > /content/productcatalog/cpg/CPG-R-US/OFFRE-GEN/LONG-C-NBC-36M-A

Term	Rate
3 years min $500	0.60%compound interest US

gic__nb-redeemable-usd.html > c1 > /content/productcatalog/cpg/CPG-R-US/OFFRE-GEN/LONG-S-NBC-48M-A

Term	Rate
4 years min $500	0.90% US

gic__nb-redeemable-usd.html > c1 > /content/productcatalog/cpg/CPG-R-US/OFFRE-GEN/LONG-C-NBC-48M-A

Term	Rate
4 years min $500	0.90%compound interest US

gic__nb-redeemable-usd.html > c1 > /content/productcatalog/cpg/CPG-R-US/OFFRE-GEN/LONG-S-NBC-60M-A

Term	Rate
5 years min $500	1.00% US

gic__nb-redeemable-usd.html > c1 > /content/productcatalog/cpg/CPG-R-US/OFFRE-GEN/LONG-C-NBC-60M-A

Term	Rate
5 years min $500	1.00%compound interest US

gic__nb-non-redeemable-usd.html > c1 > /content/productcatalog/cpg/CPG-N-US/OFFRE-GEN/LONG-S-NBC-12M-A

Term	Rate
1 year min $500	3.60% US

gic__nb-non-redeemable-usd.html > c1 > /content/productcatalog/cpg/CPG-N-US/OFFRE-GEN/LONG-S-NBC-24M-A

Term	Rate
2 years min $500	3.75% US

gic__nb-non-redeemable-usd.html > c1 > /content/productcatalog/cpg/CPG-N-US/OFFRE-GEN/LONG-C-NBC-24M-A

Term	Rate
2 years min $500	3.75%compound interest US

gic__nb-non-redeemable-usd.html > c1 > /content/productcatalog/cpg/CPG-N-US/OFFRE-GEN/SHRT-S-NBC-3M-MA

Term	Rate
3 months min $500	0.20% US

gic__nb-non-redeemable-usd.html > c1 > /content/productcatalog/cpg/CPG-N-US/OFFRE-GEN/LONG-S-NBC-36M-A

Term	Rate
3 years min $500	3.65% US

gic__nb-non-redeemable-usd.html > c1 > /content/productcatalog/cpg/CPG-N-US/OFFRE-GEN/LONG-C-NBC-36M-A

Term	Rate
3 years min $500	3.65%compound interest US

gic__nb-non-redeemable-usd.html > c1 > /content/productcatalog/cpg/CPG-N-US/OFFRE-GEN/LONG-S-NBC-48M-A

Term	Rate
4 years min $500	3.75% US

gic__nb-non-redeemable-usd.html > c1 > /content/productcatalog/cpg/CPG-N-US/OFFRE-GEN/LONG-C-NBC-48M-A

Term	Rate
4 years min $500	3.75%compound interest US

gic__nb-non-redeemable-usd.html > c1 > /content/productcatalog/cpg/CPG-N-US/OFFRE-GEN/LONG-S-NBC-60M-A

Term	Rate
5 years min $500	3.75% US

gic__nb-non-redeemable-usd.html > c1 > /content/productcatalog/cpg/CPG-N-US/OFFRE-GEN/LONG-C-NBC-60M-A

Term	Rate
5 years min $500	3.75%compound interest US

gic__nb-non-redeemable-usd.html > c1 > /content/productcatalog/cpg/CPG-N-US/OFFRE-GEN/SHRT-S-NBC-6M-MA

Term	Rate
6mo min $500	0.40% US

National Bank of Canada — full page →

RBC Royal Bank

Posted rates from RBC's own site, captured logged-out on October 25, 2026. See changes →

Redeemable GIC > Redemption Rate [%]

Term	Rate
1–29 days	0.00%redemption rate
30–59 days	0.75%redemption rate
1–2 years less a day	0.05%redemption rate
180–364 days	1.50%redemption rate
2–3 years less a day	0.10%redemption rate
3–4 years less a day	0.15%redemption rate
4–5 years less a day	0.25%redemption rate
5 years +	0.50%redemption rate
60-179d	1.00%redemption rate

Redeemable GIC > Interest Paid at Maturity * , Semi-Annually, Annually or at Maturity (Compounded Annually)

Term	Rate
30–59 days	1.90%
60–89 days	2.10%
180–269 days	2.15%
270–364 days	2.15%
1 year	2.35%
1.5 years	2.40%
2 years	2.45%
3 years	2.45%
4 years	2.60%
5 years	2.65%
7 years exactly	2.90%
10 years	2.90%
90–179 days	2.15%

Redeemable GIC > Interest Paid Monthly *

Term	Rate
1 year	2.23%paid monthly
1.5 years	2.27%paid monthly
2 years	2.33%paid monthly
3 years	2.33%paid monthly
4 years	2.48%paid monthly
5 years	2.52%paid monthly
7 years exactly	2.77%paid monthly
10 years	2.77%paid monthly

Non-Redeemable GIC > Interest Paid at Maturity * , Semi-Annually, Annually or at Maturity (Compounded Annually)

Term	Rate
30–59 days	2.15%
60–89 days	2.35%
180–269 days	2.40%
270–364 days	2.40%
1 year	2.45%
1.5 years	2.50%
2 years	2.55%
3 years	2.55%
4 years	2.70%
5 years	2.75%
7 years exactly	3.00%
10 years	3.00%
90–179 days	2.40%

Non-Redeemable GIC > Interest Paid Monthly *

Term	Rate
1 year	2.33%paid monthly
1.5 years	2.38%paid monthly
2 years	2.42%paid monthly
3 years	2.42%paid monthly
4 years	2.58%paid monthly
5 years	2.62%paid monthly
7 years exactly	2.88%paid monthly
10 years	2.88%paid monthly

One-Year Cashable GIC > Redemption Rate [%]

Term	Rate
1–29 days	0.00%redemption rate

One-Year Cashable GIC > Interest Paid Semi-Annually or at Maturity

Term	Rate
1 year	1.95%

One-Year Cashable GIC > Interest Paid Monthly

Term	Rate
1 year	1.82%paid monthly

U.S. $ Term Deposit Rates > Interest Paid at Maturity *

Term	Rate
30–59 days	2.80% US
60–89 days	2.85% US
90–119 days	2.90% US
180–269 days	3.10% US
270–364 days	3.15% US
120–149 days	2.95% US
150–179 days	3.00% US

U.S. $ Term Deposit Rates > Interest Paid Annually *

Term	Rate
1 year	3.90%paid annually US
2 years	3.95%paid annually US
3 years	4.00%paid annually US
4 years	4.05%paid annually US
5 years	4.10%paid annually US

RBC Royal Bank — full page →

Scotiabank

Posted rates from Scotiabank's own site, captured logged-out on October 25, 2026. See changes →

Cashable GICs > 'Regular Cashable' > row[1]

Term	Rate
1 year min $500	1.90%

Guaranteed Income Optimizer > row[10]

Term	Rate
10 years min $5000	3.00%

Guaranteed Income Optimizer > row[1]

Term	Rate
1 year min $5000	2.45%

Guaranteed Income Optimizer > row[2]

Term	Rate
2 years min $5000	2.50%

Guaranteed Income Optimizer > row[3]

Term	Rate
3 years min $5000	2.60%

Guaranteed Income Optimizer > row[4]

Term	Rate
4 years min $5000	2.70%

Guaranteed Income Optimizer > row[5]

Term	Rate
5 years min $5000	2.75%

Guaranteed Income Optimizer > row[6]

Term	Rate
6y min $5000	2.75%

Guaranteed Income Optimizer > row[7]

Term	Rate
7 years exactly min $5000	2.75%

Guaranteed Income Optimizer > row[8]

Term	Rate
8y min $5000	2.75%

Guaranteed Income Optimizer > row[9]

Term	Rate
9y min $5000	2.80%

Long-term Non-Redeemable GICs > 'Compounded annually' > row[2]

Term	Rate
18 months	2.50%compound interest

Long-term Non-Redeemable GICs > 'Compounded annually' > row[1]

Term	Rate
1 year	2.45%compound interest

Long-term Non-Redeemable GICs > 'Compounded semi-annually' > row[1]

Term	Rate
1 year	2.37%compounded semi-annually

Long-term Non-Redeemable GICs > 'Compounded annually' > row[3]

Term	Rate
2 years	2.50%compound interest

Long-term Non-Redeemable GICs > 'Compounded semi-annually' > row[3]

Term	Rate
2 years	2.42%compounded semi-annually

Long-term Non-Redeemable GICs > 'Compounded annually' > row[4]

Term	Rate
3 years	2.60%compound interest

Long-term Non-Redeemable GICs > 'Compounded semi-annually' > row[4]

Term	Rate
3 years	2.52%compounded semi-annually

Long-term Non-Redeemable GICs > 'Compounded annually' > row[5]

Term	Rate
4 years	2.70%compound interest

Long-term Non-Redeemable GICs > 'Compounded semi-annually' > row[5]

Term	Rate
4 years	2.62%compounded semi-annually

Long-term Non-Redeemable GICs > 'Compounded annually' > row[6]

Term	Rate
5 years	2.75%compound interest

Long-term Non-Redeemable GICs > 'Compounded semi-annually' > row[6]

Term	Rate
5 years	2.67%compounded semi-annually

Short-term Non-Redeemable GICs > row[4]

Term	Rate
120–149 days min $5,000	2.20%

Short-term Non-Redeemable GICs > row[5]

Term	Rate
150–179 days min $5,000	2.20%

Short-term Non-Redeemable GICs > row[6]

Term	Rate
180–269 days min $5,000	2.30%

Short-term Non-Redeemable GICs > row[7]

Term	Rate
270–364 days min $5,000	2.40%

Short-term Non-Redeemable GICs > row[1]

Term	Rate
30–59 days min $5,000	2.00%

Short-term Non-Redeemable GICs > row[2]

Term	Rate
60–89 days min $5,000	2.00%

Short-term Non-Redeemable GICs > row[3]

Term	Rate
90–119 days min $5,000	2.20%

Scotiabank — full page →

TD Bank

Posted rates from TD's own site, captured logged-out on October 25, 2026. See changes →

TD 1 Year Cashable GIC

Term	Rate
1 year	1.75%

TD 3-year Premium Rate Cashable GIC

Term	Rate
3 years	2.50%

Short-Term Cashable GIC

Term	Rate
1–29 days	0.10%

TD International Student GIC

Term	Rate
2 years	2.50%

Guaranteed Investment Certificate - Long-Term and Compound Interest

Term	Rate
1 year	3.00%compound interest
2 years	3.20%compound interest
3 years	3.30%compound interest
4 years	3.35%compound interest
5 years	3.55%compound interest

Guaranteed Investment Certificate - Long-Term and Simple Interest

Term	Rate
1 year	3.00%simple interest
2 years	3.20%simple interest
3 years	3.30%simple interest
4 years	3.35%simple interest
5 years	3.55%simple interest

Guaranteed Investment Certificate - Short-Term

Term	Rate
30 days	1.80%
60 days	1.80%
90 days	1.80%
120 days	2.05%
180 days	2.05%
270 days	2.05%

100-Day TD Special Offer GIC

Term	Rate
100 days Less than $10,000	1.80%
100 days $50,000 to $99,999.99	1.80%
100 days $10,000 to $49,999.99	1.80%
100 days More than $100,000	1.80%

TD Special Offer GICs - Non-Cashable

Term	Rate
18 months	3.25%
18 months Less than $10,000	3.25%
18 months More than $100,000	3.25%
18 months $50,000 to $99,999.99	3.25%
18 months $10,000 to $49,999.99	3.25%
14 months	3.05%
14 months Less than $10,000	3.05%
14 months $10,000 to $49,999.99	3.05%
14 months $50,000 to $99,999.99	3.05%
14 months More than $100,000	3.05%
15 months $50,000 to $99,999.99	0.25%
15 months $10,000 to $49,999.99	0.25%
15 months Less than $10,000	0.25%
15 months	0.25%
15 months More than $100,000	0.25%

5-Year Stepper GIC

Term	Rate
5-year stepper — year 1	0.50%
5-year stepper — year 2	0.65%
5-year stepper — year 3	0.85%
5-year stepper — year 4	1.15%
5-year stepper — year 5	1.25%

Wait and See GIC

Term	Rate
1 year	1.75%

TD Bank — full page →

Vancity

Posted rates from Vancity's own site, captured logged-out on October 25, 2026. See changes →

gics#t8r1

Term	Rate
12mo_30d_lock min $500	2.25%

gics#t8r2

Term	Rate
12mo_90d_lock min $500	2.35%

gics#t2r1

Term	Rate
12mo min $500	3.10%

gics#t5r1

Term	Rate
12mo min $1,000	3.00%paid monthly

gics#t6r1

Term	Rate
12mo min $1,000	3.10%posted_monthly_plus

gics#t3r1

Term	Rate
12mo min $500	3.05%posted_semiannual

gics#t4r1

Term	Rate
12mo min $100	3.05%posted_semiannual_compound

gics#t2r2

Term	Rate
13mo min $500	3.55%

gics#t5r2

Term	Rate
13mo min $1,000	3.45%paid monthly

gics#t6r2

Term	Rate
13mo min $1,000	3.55%posted_monthly_plus

gics#t3r2

Term	Rate
13mo min $500	3.50%posted_semiannual

gics#t4r2

Term	Rate
13mo min $100	3.50%posted_semiannual_compound

gics#t2r3

Term	Rate
18 months min $500	3.35%

gics#t5r3

Term	Rate
18 months min $1,000	3.25%paid monthly

gics#t6r3

Term	Rate
18 months min $1,000	3.35%posted_monthly_plus

gics#t3r3

Term	Rate
18 months min $500	3.30%posted_semiannual

gics#t4r3

Term	Rate
18 months min $100	3.30%posted_semiannual_compound

gics#t2r4

Term	Rate
24mo min $500	3.40%

gics#t5r4

Term	Rate
24mo min $1,000	3.30%paid monthly

gics#t6r4

Term	Rate
24mo min $1,000	3.40%posted_monthly_plus

gics#t3r4

Term	Rate
24mo min $500	3.35%posted_semiannual

gics#t4r4

Term	Rate
24mo min $100	3.35%posted_semiannual_compound

gics#t2r5

Term	Rate
30mo min $500	3.50%

gics#t5r5

Term	Rate
30mo min $1,000	3.40%paid monthly

gics#t6r5

Term	Rate
30mo min $1,000	3.50%posted_monthly_plus

gics#t3r5

Term	Rate
30mo min $500	3.45%posted_semiannual

gics#t4r5

Term	Rate
30mo min $100	3.45%posted_semiannual_compound

gics#t2r6

Term	Rate
36mo min $500	3.65%

gics#t5r6

Term	Rate
36mo min $1,000	3.55%paid monthly

gics#t6r6

Term	Rate
36mo min $1,000	3.65%posted_monthly_plus

gics#t3r6

Term	Rate
36mo min $500	3.60%posted_semiannual

gics#t4r6

Term	Rate
36mo min $100	3.60%posted_semiannual_compound

gics#t2r7

Term	Rate
48mo min $500	3.60%

gics#t5r7

Term	Rate
48mo min $1,000	3.50%paid monthly

gics#t6r7

Term	Rate
48mo min $1,000	3.60%posted_monthly_plus

gics#t3r7

Term	Rate
48mo min $500	3.55%posted_semiannual

gics#t4r7

Term	Rate
48mo min $100	3.55%posted_semiannual_compound

gics#t2r8

Term	Rate
60mo min $500	3.70%

gics#t5r8

Term	Rate
60mo min $1,000	3.60%paid monthly

gics#t6r8

Term	Rate
60mo min $1,000	3.70%posted_monthly_plus

gics#t3r8

Term	Rate
60mo min $500	3.65%posted_semiannual

gics#t4r8

Term	Rate
60mo min $100	3.65%posted_semiannual_compound

gics#t12r3

Term	Rate
119d min US$5,000	3.25% US

gics#t12r4

Term	Rate
179d min US$5,000	3.35% US

gics#t12r5

Term	Rate
269d min US$5,000	3.40% US

gics#t12r6

Term	Rate
364d min US$5,000	3.75% US

gics#t12r1

Term	Rate
59d min US$5,000	3.00% US

gics#t12r2

Term	Rate
89d min US$5,000	3.10% US

Vancity — full page →