$Ballpark Deposits
RatesChanges
Scotiabank

Scotiabank

Posted deposit rates, captured October 25, 2026.

Posted rates

Source: scotia_page (https://www.scotiabank.com/ca/en/personal/rates-prices/gic-rates.html); captured October 25, 2026. Currency: CAD.

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

TermRate
1 year min $5001.90%

Guaranteed Income Optimizer > row[10]

TermRate
10 years min $50003.00%

Guaranteed Income Optimizer > row[1]

TermRate
1 year min $50002.45%

Guaranteed Income Optimizer > row[2]

TermRate
2 years min $50002.50%

Guaranteed Income Optimizer > row[3]

TermRate
3 years min $50002.60%

Guaranteed Income Optimizer > row[4]

TermRate
4 years min $50002.70%

Guaranteed Income Optimizer > row[5]

TermRate
5 years min $50002.75%

Guaranteed Income Optimizer > row[6]

TermRate
6y min $50002.75%

Guaranteed Income Optimizer > row[7]

TermRate
7 years exactly min $50002.75%

Guaranteed Income Optimizer > row[8]

TermRate
8y min $50002.75%

Guaranteed Income Optimizer > row[9]

TermRate
9y min $50002.80%

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

TermRate
18 months2.50%compound interest

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

TermRate
1 year2.45%compound interest

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

TermRate
1 year2.37%compounded semi-annually

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

TermRate
2 years2.50%compound interest

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

TermRate
2 years2.42%compounded semi-annually

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

TermRate
3 years2.60%compound interest

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

TermRate
3 years2.52%compounded semi-annually

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

TermRate
4 years2.70%compound interest

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

TermRate
4 years2.62%compounded semi-annually

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

TermRate
5 years2.75%compound interest

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

TermRate
5 years2.67%compounded semi-annually

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

TermRate
120–149 days min $5,0002.20%

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

TermRate
150–179 days min $5,0002.20%

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

TermRate
180–269 days min $5,0002.30%

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

TermRate
270–364 days min $5,0002.40%

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

TermRate
30–59 days min $5,0002.00%

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

TermRate
60–89 days min $5,0002.00%

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

TermRate
90–119 days min $5,0002.20%

History

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

GIC (non-redeemable) · 1 year · compound interest

August 30, 20262.45%
September 6, 20262.45%
September 13, 20262.45%
September 20, 20262.45%
September 27, 20262.45%
October 4, 20262.45%
October 11, 20262.45%
October 18, 20262.45%
October 25, 20262.45%

GIC (non-redeemable) · 18 months · compound interest

August 30, 20262.50%
September 6, 20262.50%
September 13, 20262.50%
September 20, 20262.50%
September 27, 20262.50%
October 4, 20262.50%
October 11, 20262.50%
October 18, 20262.50%
October 25, 20262.50%

GIC (non-redeemable) · 2 years · compound interest

August 30, 20262.50%
September 6, 20262.50%
September 13, 20262.50%
September 20, 20262.50%
September 27, 20262.50%
October 4, 20262.50%
October 11, 20262.50%
October 18, 20262.50%
October 25, 20262.50%

GIC (non-redeemable) · 3 years · compound interest

August 30, 20262.60%
September 6, 20262.60%
September 13, 20262.60%
September 20, 20262.60%
September 27, 20262.60%
October 4, 20262.60%
October 11, 20262.60%
October 18, 20262.60%
October 25, 20262.60%

GIC (non-redeemable) · 4 years · compound interest

August 30, 20262.70%
September 6, 20262.70%
September 13, 20262.70%
September 20, 20262.70%
September 27, 20262.70%
October 4, 20262.70%
October 11, 20262.70%
October 18, 20262.70%
October 25, 20262.70%

GIC (non-redeemable) · 5 years · compound interest

August 30, 20262.75%
September 6, 20262.75%
September 13, 20262.75%
September 20, 20262.75%
September 27, 20262.75%
October 4, 20262.75%
October 11, 20262.75%
October 18, 20262.75%
October 25, 20262.75%

GIC (non-redeemable) · 1 year · compounded semi-annually

August 30, 20262.37%
September 6, 20262.37%
September 13, 20262.37%
September 20, 20262.37%
September 27, 20262.37%
October 4, 20262.37%
October 11, 20262.37%
October 18, 20262.37%
October 25, 20262.37%

GIC (non-redeemable) · 2 years · compounded semi-annually

August 30, 20262.42%
September 6, 20262.42%
September 13, 20262.42%
September 20, 20262.42%
September 27, 20262.42%
October 4, 20262.42%
October 11, 20262.42%
October 18, 20262.42%
October 25, 20262.42%

GIC (non-redeemable) · 3 years · compounded semi-annually

August 30, 20262.52%
September 6, 20262.52%
September 13, 20262.52%
September 20, 20262.52%
September 27, 20262.52%
October 4, 20262.52%
October 11, 20262.52%
October 18, 20262.52%
October 25, 20262.52%

GIC (non-redeemable) · 4 years · compounded semi-annually

August 30, 20262.62%
September 6, 20262.62%
September 13, 20262.62%
September 20, 20262.62%
September 27, 20262.62%
October 4, 20262.62%
October 11, 20262.62%
October 18, 20262.62%
October 25, 20262.62%

GIC (non-redeemable) · 5 years · compounded semi-annually

August 30, 20262.67%
September 6, 20262.67%
September 13, 20262.67%
September 20, 20262.67%
September 27, 20262.67%
October 4, 20262.67%
October 11, 20262.67%
October 18, 20262.67%
October 25, 20262.67%

Short-term non-redeemable GIC · 30–59 days · min $5,000

August 30, 20262.00%
September 6, 20262.00%
September 13, 20262.00%
September 20, 20262.00%
September 27, 20262.00%
October 4, 20262.00%
October 11, 20262.00%
October 18, 20262.00%
October 25, 20262.00%

Short-term non-redeemable GIC · 60–89 days · min $5,000

August 30, 20262.00%
September 6, 20262.00%
September 13, 20262.00%
September 20, 20262.00%
September 27, 20262.00%
October 4, 20262.00%
October 11, 20262.00%
October 18, 20262.00%
October 25, 20262.00%

Short-term non-redeemable GIC · 90–119 days · min $5,000

August 30, 20262.20%
September 6, 20262.20%
September 13, 20262.20%
September 20, 20262.20%
September 27, 20262.20%
October 4, 20262.20%
October 11, 20262.20%
October 18, 20262.20%
October 25, 20262.20%

Short-term non-redeemable GIC · 120–149 days · min $5,000

August 30, 20262.20%
September 6, 20262.20%
September 13, 20262.20%
September 20, 20262.20%
September 27, 20262.20%
October 4, 20262.20%
October 11, 20262.20%
October 18, 20262.20%
October 25, 20262.20%

Short-term non-redeemable GIC · 150–179 days · min $5,000

August 30, 20262.20%
September 6, 20262.20%
September 13, 20262.20%
September 20, 20262.20%
September 27, 20262.20%
October 4, 20262.20%
October 11, 20262.20%
October 18, 20262.20%
October 25, 20262.20%

Short-term non-redeemable GIC · 180–269 days · min $5,000

August 30, 20262.30%
September 6, 20262.30%
September 13, 20262.30%
September 20, 20262.30%
September 27, 20262.30%
October 4, 20262.30%
October 11, 20262.30%
October 18, 20262.30%
October 25, 20262.30%

Short-term non-redeemable GIC · 270–364 days · min $5,000

August 30, 20262.40%
September 6, 20262.40%
September 13, 20262.40%
September 20, 20262.40%
September 27, 20262.40%
October 4, 20262.40%
October 11, 20262.40%
October 18, 20262.40%
October 25, 20262.40%

GIC (cashable) · 1 year · min $500

August 30, 20261.90%
September 6, 20261.90%
September 13, 20261.90%
September 20, 20261.90%
September 27, 20261.90%
October 4, 20261.90%
October 11, 20261.90%
October 18, 20261.90%
October 25, 20261.90%

Guaranteed Income Optimizer · 1 year · min $5000

August 30, 20262.45%
September 6, 20262.45%
September 13, 20262.45%
September 20, 20262.45%
September 27, 20262.45%
October 4, 20262.45%
October 11, 20262.45%
October 18, 20262.45%
October 25, 20262.45%

Guaranteed Income Optimizer · 2 years · min $5000

August 30, 20262.50%
September 6, 20262.50%
September 13, 20262.50%
September 20, 20262.50%
September 27, 20262.50%
October 4, 20262.50%
October 11, 20262.50%
October 18, 20262.50%
October 25, 20262.50%

Guaranteed Income Optimizer · 3 years · min $5000

August 30, 20262.60%
September 6, 20262.60%
September 13, 20262.60%
September 20, 20262.60%
September 27, 20262.60%
October 4, 20262.60%
October 11, 20262.60%
October 18, 20262.60%
October 25, 20262.60%

Guaranteed Income Optimizer · 4 years · min $5000

August 30, 20262.70%
September 6, 20262.70%
September 13, 20262.70%
September 20, 20262.70%
September 27, 20262.70%
October 4, 20262.70%
October 11, 20262.70%
October 18, 20262.70%
October 25, 20262.70%

Guaranteed Income Optimizer · 5 years · min $5000

August 30, 20262.75%
September 6, 20262.75%
September 13, 20262.75%
September 20, 20262.75%
September 27, 20262.75%
October 4, 20262.75%
October 11, 20262.75%
October 18, 20262.75%
October 25, 20262.75%

Guaranteed Income Optimizer · 6y · min $5000

August 30, 20262.75%
September 6, 20262.75%
September 13, 20262.75%
September 20, 20262.75%
September 27, 20262.75%
October 4, 20262.75%
October 11, 20262.75%
October 18, 20262.75%
October 25, 20262.75%

Guaranteed Income Optimizer · 7 years exactly · min $5000

August 30, 20262.75%
September 6, 20262.75%
September 13, 20262.75%
September 20, 20262.75%
September 27, 20262.75%
October 4, 20262.75%
October 11, 20262.75%
October 18, 20262.75%
October 25, 20262.75%

Guaranteed Income Optimizer · 8y · min $5000

August 30, 20262.75%
September 6, 20262.75%
September 13, 20262.75%
September 20, 20262.75%
September 27, 20262.75%
October 4, 20262.75%
October 11, 20262.75%
October 18, 20262.75%
October 25, 20262.75%

Guaranteed Income Optimizer · 9y · min $5000

August 30, 20262.80%
September 6, 20262.80%
September 13, 20262.80%
September 20, 20262.80%
September 27, 20262.80%
October 4, 20262.80%
October 11, 20262.80%
October 18, 20262.80%
October 25, 20262.80%

Guaranteed Income Optimizer · 10 years · min $5000

August 30, 20263.00%
September 6, 20263.00%
September 13, 20263.00%
September 20, 20263.00%
September 27, 20263.00%
October 4, 20263.00%
October 11, 20263.00%
October 18, 20263.00%
October 25, 20263.00%