giccalculator.ca
By term1-year rates3.70%2-year rates3.95%3-year rates4.05%4-year rates4.10%5-year rates4.30%
By provinceOntarioFSRAManitobaDGCM
AlsoAll rates compared15 issuersRate history2026-09
Best today4.30%WealthONE Bank of Canada, five-year term. 15 issuers checked by hand each month.All rates comparedVerified 2026-09-04
Online banksWealthONE Bank of Canada4.30%Oaken Financial4.25%MCAN Wealth4.05%EQ Bank4.00%Tangerine4.00%Simplii Financial3.65%
Credit unionsAchieva Financial4.10%Meridian Credit Union4.00%Beem Credit Union3.65%
Big fiveTD Bank3.10%BMO3.10%RBC Royal Bank2.75%Scotiabank2.75%CIBC2.75%
Other banksNational Bank of Canada3.35%
IndependentWe have no affiliation with any institution listed, and none can pay for a higher position.All 15 institutionsHow we verify rates
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GIC Rates
By term1-year rates3.70%2-year rates3.95%3-year rates4.05%4-year rates4.10%5-year rates4.30%
By provinceOntarioFSRAManitobaDGCM
AlsoAll rates compared15 issuersRate history2026-09
Banks15 issuersGuides3 guidesAboutRate alertsMonthly

Independent and unaffiliated. Rates verified 2026-09-04.

GIC rates by institution

Every institution we track, with its full posted term curve set against the best rate available in Canada for each term. One of them — WealthONE Bank of Canada — currently leads every term.

15 institutionsVerified 2026-09-04
#InstitutionBest rateMinimumCompare
01WealthONE Bank of CanadaOnline · CDIC · $1,000 min4.30%5-year$1,000View page
02Oaken FinancialOnline · CDIC · $1,000 min4.25%5-year$1,000View page
03Achieva FinancialMember · DGCM · $1,000 min4.10%5-year$1,000View page
04MCAN WealthOnline · CDIC · $100 min4.05%5-year$100View page
05EQ BankOnline · CDIC4.00%5-year—View page
06TangerineOnline · CDIC4.00%5-year—View page
07Meridian Credit UnionMember · FSRA · $100 min4.00%5-year$100View page
08Simplii FinancialOnline · CDIC · $100 min3.65%5-year$100View page
09Beem Credit UnionMember · CUDIC · $500 min3.65%5-year$500View page
10National Bank of CanadaBranch · CDIC · $500 min3.35%5-year$500View page
11TD BankBranch · CDIC3.10%5-year—View page
12BMOBranch · CDIC · $1,000 min3.10%5-year$1,000View page
13RBC Royal BankBranch · CDIC2.75%5-year—View page
14ScotiabankBranch · CDIC2.75%5-year—View page
15CIBCBranch · CDIC · $1,000 min2.75%5-year$1,000View page
Ranked by best posted rate, any termCompare all rates side by side
Why every institution gets a page

The rate is only half of it

Two institutions can post the same number and protect your deposit differently. CDIC covers $100,000 per member; Ontario and Manitoba credit unions are covered provincially, and one of those guarantees is unlimited. Minimums range from $100 to $1,000. Each page shows that alongside the curve.

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Compare them all at once

The national table puts every institution against every term on one screen.

See all rates compared

Rates are read from each institution's own posted page and may change without notice. Educational information only, not financial advice. Published by Croton Holdings LLC. Corrections to daniel@crotoncontent.com.