$Ballpark Deposits
RatesChanges
RBC Royal Bank

RBC Royal Bank

Posted deposit rates, captured August 30, 2026.

Posted rates

Source: rbc_page (https://www.rbcroyalbank.com/investments/gic-rates.html); captured August 30, 2026. Currency: CAD, USD.

Redeemable GIC > Redemption Rate [%]

TermRate
1–29 days0.00%redemption rate
30–59 days0.75%redemption rate
1–2 years less a day0.05%redemption rate
180–364 days1.50%redemption rate
2–3 years less a day0.10%redemption rate
3–4 years less a day0.15%redemption rate
4–5 years less a day0.25%redemption rate
5 years +0.50%redemption rate
60-179d1.00%redemption rate

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

TermRate
30–59 days1.90%
60–89 days2.10%
180–269 days2.15%
270–364 days2.15%
1 year2.35%
1.5 years2.40%
2 years2.45%
3 years2.45%
4 years2.60%
5 years2.65%
7 years exactly2.90%
10 years2.90%
90–179 days2.15%

Redeemable GIC > Interest Paid Monthly *

TermRate
1 year2.23%paid monthly
1.5 years2.27%paid monthly
2 years2.33%paid monthly
3 years2.33%paid monthly
4 years2.48%paid monthly
5 years2.52%paid monthly
7 years exactly2.77%paid monthly
10 years2.77%paid monthly

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

TermRate
30–59 days2.15%
60–89 days2.35%
180–269 days2.40%
270–364 days2.40%
1 year2.45%
1.5 years2.50%
2 years2.55%
3 years2.55%
4 years2.70%
5 years2.75%
7 years exactly3.00%
10 years3.00%
90–179 days2.40%

Non-Redeemable GIC > Interest Paid Monthly *

TermRate
1 year2.33%paid monthly
1.5 years2.38%paid monthly
2 years2.42%paid monthly
3 years2.42%paid monthly
4 years2.58%paid monthly
5 years2.62%paid monthly
7 years exactly2.88%paid monthly
10 years2.88%paid monthly

One-Year Cashable GIC > Redemption Rate [%]

TermRate
1–29 days0.00%redemption rate

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

TermRate
1 year1.95%

One-Year Cashable GIC > Interest Paid Monthly

TermRate
1 year1.82%paid monthly

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

TermRate
30–59 days2.80% US
60–89 days2.85% US
90–119 days2.90% US
180–269 days3.10% US
270–364 days3.15% US
120–149 days2.95% US
150–179 days3.00% US

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

TermRate
1 year3.60%paid annually US
2 years3.65%paid annually US
3 years3.70%paid annually US
4 years3.75%paid annually US
5 years3.80%paid annually US

History

Each rate's own capture timeline (date → published rate, oldest first).

GIC (non-redeemable) · 30–59 days

August 29, 20262.15%
August 30, 20262.15%

GIC (non-redeemable) · 60–89 days

August 29, 20262.35%
August 30, 20262.35%

GIC (non-redeemable) · 90–179 days

August 29, 20262.40%
August 30, 20262.40%

GIC (non-redeemable) · 180–269 days

August 29, 20262.40%
August 30, 20262.40%

GIC (non-redeemable) · 270–364 days

August 29, 20262.40%
August 30, 20262.40%

GIC (non-redeemable) · 1 year

August 29, 20262.45%
August 30, 20262.45%

GIC (non-redeemable) · 1 year · paid monthly

August 29, 20262.33%
August 30, 20262.33%

GIC (non-redeemable) · 1.5 years

August 29, 20262.50%
August 30, 20262.50%

GIC (non-redeemable) · 1.5 years · paid monthly

August 29, 20262.38%
August 30, 20262.38%

GIC (non-redeemable) · 2 years

August 29, 20262.55%
August 30, 20262.55%

GIC (non-redeemable) · 2 years · paid monthly

August 29, 20262.42%
August 30, 20262.42%

GIC (non-redeemable) · 3 years

August 29, 20262.55%
August 30, 20262.55%

GIC (non-redeemable) · 3 years · paid monthly

August 29, 20262.42%
August 30, 20262.42%

GIC (non-redeemable) · 4 years

August 29, 20262.70%
August 30, 20262.70%

GIC (non-redeemable) · 4 years · paid monthly

August 29, 20262.58%
August 30, 20262.58%

GIC (non-redeemable) · 5 years

August 29, 20262.75%
August 30, 20262.75%

GIC (non-redeemable) · 5 years · paid monthly

August 29, 20262.62%
August 30, 20262.62%

GIC (non-redeemable) · 7 years exactly

August 29, 20263.00%
August 30, 20263.00%

GIC (non-redeemable) · 7 years exactly · paid monthly

August 29, 20262.88%
August 30, 20262.88%

GIC (non-redeemable) · 10 years

August 29, 20263.00%
August 30, 20263.00%

GIC (non-redeemable) · 10 years · paid monthly

August 29, 20262.88%
August 30, 20262.88%

GIC (cashable) · 30–59 days

August 29, 20261.90%
August 30, 20261.90%

GIC (cashable) · 60–89 days

August 29, 20262.10%
August 30, 20262.10%

GIC (cashable) · 90–179 days

August 29, 20262.15%
August 30, 20262.15%

GIC (cashable) · 180–269 days

August 29, 20262.15%
August 30, 20262.15%

GIC (cashable) · 270–364 days

August 29, 20262.15%
August 30, 20262.15%

GIC (cashable) · 1 year

August 29, 20262.35%
August 30, 20262.35%

GIC (cashable) · 1 year · paid monthly

August 29, 20262.23%
August 30, 20262.23%

GIC (cashable) · 1.5 years

August 29, 20262.40%
August 30, 20262.40%

GIC (cashable) · 1.5 years · paid monthly

August 29, 20262.27%
August 30, 20262.27%

GIC (cashable) · 2 years

August 29, 20262.45%
August 30, 20262.45%

GIC (cashable) · 2 years · paid monthly

August 29, 20262.33%
August 30, 20262.33%

GIC (cashable) · 3 years

August 29, 20262.45%
August 30, 20262.45%

GIC (cashable) · 3 years · paid monthly

August 29, 20262.33%
August 30, 20262.33%

GIC (cashable) · 4 years

August 29, 20262.60%
August 30, 20262.60%

GIC (cashable) · 4 years · paid monthly

August 29, 20262.48%
August 30, 20262.48%

GIC (cashable) · 5 years

August 29, 20262.65%
August 30, 20262.65%

GIC (cashable) · 5 years · paid monthly

August 29, 20262.52%
August 30, 20262.52%

GIC (cashable) · 7 years exactly

August 29, 20262.90%
August 30, 20262.90%

GIC (cashable) · 7 years exactly · paid monthly

August 29, 20262.77%
August 30, 20262.77%

GIC (cashable) · 10 years

August 29, 20262.90%
August 30, 20262.90%

GIC (cashable) · 10 years · paid monthly

August 29, 20262.77%
August 30, 20262.77%

GIC (cashable) · 1–29 days · redemption rate

August 29, 20260.00%
August 30, 20260.00%

GIC (cashable) · 30–59 days · redemption rate

August 29, 20260.75%
August 30, 20260.75%

GIC (cashable) · 60-179d · redemption rate

August 29, 20261.00%
August 30, 20261.00%

GIC (cashable) · 180–364 days · redemption rate

August 29, 20261.50%
August 30, 20261.50%

GIC (cashable) · 1–2 years less a day · redemption rate

August 29, 20260.05%
August 30, 20260.05%

GIC (cashable) · 2–3 years less a day · redemption rate

August 29, 20260.10%
August 30, 20260.10%

GIC (cashable) · 3–4 years less a day · redemption rate

August 29, 20260.15%
August 30, 20260.15%

GIC (cashable) · 4–5 years less a day · redemption rate

August 29, 20260.25%
August 30, 20260.25%

GIC (cashable) · 5 years + · redemption rate

August 29, 20260.50%
August 30, 20260.50%

One-year cashable GIC · 1 year

August 29, 20261.95%
August 30, 20261.95%

One-year cashable GIC · 1 year · paid monthly

August 29, 20261.82%
August 30, 20261.82%

One-year cashable GIC · 1–29 days · redemption rate

August 29, 20260.00%
August 30, 20260.00%

U.S. $ term deposits · 30–59 days · US dollars

August 29, 20262.80%
August 30, 20262.80%

U.S. $ term deposits · 60–89 days · US dollars

August 29, 20262.85%
August 30, 20262.85%

U.S. $ term deposits · 90–119 days · US dollars

August 29, 20262.90%
August 30, 20262.90%

U.S. $ term deposits · 120–149 days · US dollars

August 29, 20262.95%
August 30, 20262.95%

U.S. $ term deposits · 150–179 days · US dollars

August 29, 20263.00%
August 30, 20263.00%

U.S. $ term deposits · 180–269 days · US dollars

August 29, 20263.10%
August 30, 20263.10%

U.S. $ term deposits · 270–364 days · US dollars

August 29, 20263.15%
August 30, 20263.15%

U.S. $ term deposits · 1 year · paid annually · US dollars

August 29, 20263.60%
August 30, 20263.60%

U.S. $ term deposits · 2 years · paid annually · US dollars

August 29, 20263.65%
August 30, 20263.65%

U.S. $ term deposits · 3 years · paid annually · US dollars

August 29, 20263.70%
August 30, 20263.70%

U.S. $ term deposits · 4 years · paid annually · US dollars

August 29, 20263.75%
August 30, 20263.75%

U.S. $ term deposits · 5 years · paid annually · US dollars

August 29, 20263.80%
August 30, 20263.80%