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By term1-year rates3.70%2-year rates3.95%3-year rates4.05%4-year rates4.10%5-year rates4.30%
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Best today4.30%WealthONE Bank of Canada, five-year term. 28 issuers checked by hand each month.All rates comparedVerified 2026-09-06
Online banksWealthONE Bank of Canada4.30%Oaken Financial4.25%MCAN Wealth4.05%EQ Bank4.00%Tangerine4.00%Simplii Financial3.65%
Credit unionsAchieva Financial4.10%Saven Financial4.10%Meridian Credit Union4.00%Northern Credit Union4.00%Kindred Credit Union4.00%DUCA Credit Union3.85%Coast Capital Savings3.80%Tru Cooperative Bank3.71%Beem Credit Union3.65%Vancity3.60%FirstOntario Credit Union3.50%Alterna Savings3.30%Tandia Financial Credit Union3.30%Libro Credit Union3.20%Servus Credit Union3.10%
Big fiveTD Bank3.10%BMO3.10%RBC Royal Bank2.75%Scotiabank2.75%CIBC2.75%
Other banksNational Bank of Canada3.35%ATB Financial3.35%
IndependentWe have no affiliation with any institution listed, and none can pay for a higher position.All 28 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 provinceOntarioFSRAManitobaDGCMAlberta2 schemesBritish ColumbiaCUDIC
By accountTFSA GIC26 issuersRRSP GIC27 issuers
AlsoAll rates compared28 issuersRate history2026-09
Banks28 issuersGuides3 guidesAboutRate alertsMonthly

Independent and unaffiliated. Rates verified 2026-09-06.

ATB Financial GIC rates compared

ATB Financial's best posted rate is 3.35% on a 5-year term. The best rate available in Canada for that term is 4.30%, from WealthONE Bank of Canada. Both are covered, ATB Financial by the Government of Alberta.

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The short versionATB Financial trails the market on every term we track, by 0.70 to 1.10 points.Same term, a different guarantee, a different rate. Deposits here are covered by the Government of Alberta rather than by CDIC.
What the gap costs on $50,000
ATB Financial at 3.00%$1,500
WealthONE Bank of Canada at 3.70%$1,850
Difference$350

How do ATB Financial's GIC rates compare to the best in Canada?

On a 5-year term ATB Financial posts 3.35% against 4.30% from WealthONE Bank of Canada, the best we track. Every term it publishes is compared the same way below.

TermATB FinancialBest in CanadaGapLeader
1-year3.00%3.70%−0.70 ptsWealthONE Bank of Canada
2-year3.00%3.95%−0.95 ptsWealthONE Bank of Canada
3-year3.00%4.05%−1.05 ptsWealthONE Bank of Canada
4-year3.00%4.10%−1.10 ptsWealthONE Bank of Canada
5-year3.35%4.30%−0.95 ptsWealthONE Bank of Canada
Posted rates · non-registered · non-redeemableSee all 28 issuers compared

ATB Financial does not publish how often its term deposits compound. Every other rate on this site is an annual equivalent, so the figures above are comparable only if ATB Financial compounds annually too — and it does not say. Ask them before you commit: on a five-year term the difference between annual and simple interest is real money. If you find it stated anywhere, tell us and it goes on this page.

Is ATB Financial's GIC covered by the Government of Alberta?

Yes, though not by CDIC. ATB Financial is a provincial Crown corporation owned by the Government of Alberta, so its deposits are guaranteed in full by the Government of Alberta, under the ATB Financial Act, with no dollar limit and no per-category arithmetic to do.

Minimum deposit$1,000
Deposit insuranceGovernment of Alberta, unlimited
Regulated inAlberta
Rates read fromatb.com

Alberta. Deposits with ATB Financial carry a provincial guarantee with no dollar limit.

Where do these ATB Financial rates come from?

Directly from ATB Financial's own posted rate page at atb.com, read by hand on 2026-09-06. ATB Financial does not date its posted rates, so the read date is the only currency guarantee available.

All 11 terms ATB Financial posts were captured in that read, including the 5 that carry a separate interest-paid-monthly rate. No aggregator, no feed, no affiliate link.

ATB Financial's posted rates on atb.comHow we collect and check rates

Who should buy a GIC from ATB Financial?

Anyone holding more than $100,000 in one place. The Government of Alberta guarantees deposits here in full, where CDIC stops at $100,000 — and the rate gap to the leader is 0.70 points at 1-year.

Deposits above $100,000Coverage here is unlimited under the Government of Alberta, rather than capped at the $100,000 CDIC applies per institution. For a large single deposit that is worth more than a few basis points of rate.

Common questions about ATB Financial GICs

What is ATB Financial's minimum GIC deposit?

$1,000, at the top of the $100 to $1,000 range the 23 published minimums cover. It is the common figure rather than an unusual one: several higher-paying issuers ask the same.

Does ATB Financial have the best GIC rate in Canada?

Not on a 5-year term. ATB Financial posts 3.35% there, against 4.30% from WealthONE Bank of Canada: a gap of 0.95 points on the same term, for the same non-redeemable product. The table above runs the same comparison across all 5 terms.

Which GIC terms does ATB Financial offer?

11 terms are posted on atb.com, from 30–59 days to 5 year. The comparison table above covers the 5 annual terms where enough issuers publish a rate for a market comparison to mean anything.

Does ATB Financial pay GIC interest monthly?

ATB Financial posts a separate, lower rate for interest paid monthly on 5 of its terms: 3.100% at 5 year, against 3.350% on its main table. Every figure on this page is the main-table rate, so a monthly-income GIC here pays less than the table shows.

Are these ATB Financial rates promotional?

No. These are ATB Financial's standard posted rates, read from atb.com on 2026-09-06. ATB Financial does not date its posted rates, so that read date is the only currency guarantee available here. Limited-time promotions are noted separately rather than used to move an institution up the ranking.

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What would ATB Financial's 1-year rate pay on your deposit?

On $50,000 it pays $1,500 in interest over the full term. Change the amount to see what that becomes on yours, then compare it against the leader.

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Compare other institutionsWealthONE Bank of Canada4.30%Oaken Financial4.25%Achieva Financial4.10%Saven Financial4.10%MCAN Wealth4.05%All 28 institutions→

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