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.

Tangerine GIC rates compared

Tangerine's best posted rate is 3.85% on a 4-year term. The best rate available in Canada for that term is 4.10%, from WealthONE Bank of Canada. Both are covered by deposit insurance.

Get Tangerine GICs
The short versionTangerine trails the market on every term we track, by 0.25 to 0.40 points.Same term, same deposit insurance, different rate. The only thing you give up by moving is the convenience of banking where you already bank.
What the gap costs on $50,000
Tangerine at 3.85%$8,156
WealthONE Bank of Canada at 4.10%$8,718
Difference$562

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

On a 5-year term Tangerine posts 4.00% against 4.30% from WealthONE Bank of Canada, the best we track. Every term it publishes is compared the same way below.

TermTangerineBest in CanadaGapLeader
1-year3.30%3.70%−0.40 ptsWealthONE Bank of Canada
2-year3.65%3.95%−0.30 ptsWealthONE Bank of Canada
3-year3.75%4.05%−0.30 ptsWealthONE Bank of Canada
4-year3.85%4.10%−0.25 ptsWealthONE Bank of Canada
5-year4.00%4.30%−0.30 ptsWealthONE Bank of Canada
Posted rates · non-registered · non-redeemableSee all 15 issuers compared

Is Tangerine's GIC covered by CDIC?

Yes. Tangerine is a branchless CDIC member bank, so an eligible GIC held here is protected to $100,000 per depositor, per insured category. The deposit itself is held by Tangerine Bank, a subsidiary of The Bank of Nova Scotia, which means it shares that limit with anything else you hold there.

Minimum depositNot published
Deposit insuranceCDIC to $100,000
Deposits held byTangerine Bank, a subsidiary of The Bank of Nova Scotia
Rates read fromtangerine.ca

Federal. $100,000 per depositor, per member institution, per insured category.

Where do these Tangerine rates come from?

Directly from Tangerine's own posted rate page at tangerine.ca, read by hand on 2026-09-04. Tangerine does not date its posted rates, so the read date is the only currency guarantee available.

All 9 terms Tangerine posts were captured in that read. No aggregator, no feed, no affiliate link.

Tangerine's posted rates on tangerine.caHow we collect and check rates

Who should buy a GIC from Tangerine?

People who already bank at Tangerine, mostly. It does not lead any term we track, so what is left is the convenience of not moving money, priced below.

Convenience, mostlyTangerine does not currently lead any term we track, and its minimum is not the lowest. If you already hold an account here the friction saved is real; otherwise the comparison above is the argument.

Common questions about Tangerine GICs

What is Tangerine's minimum GIC deposit?

Tangerine does not publish a minimum on its own rates page. Of the 15 institutions we track, 10 publish one, and those run $100 to $1,000 — so the figure to confirm before you deposit is the one Tangerine quotes you.

Does Tangerine have the best GIC rate in Canada?

Not on a 5-year term. Tangerine posts 4.00% there, against 4.30% from WealthONE Bank of Canada: a gap of 0.30 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 Tangerine offer?

9 terms are posted on tangerine.ca, from 90 day 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 Tangerine pay GIC interest monthly?

Tangerine does not post a separate interest-paid-monthly rate on tangerine.ca, so we do not publish one. Where an issuer posts one it is always lower than the compounding rate, which makes it worth asking before you choose monthly income.

Are these Tangerine rates promotional?

No. These are Tangerine's standard posted rates, read from tangerine.ca on 2026-09-04. Tangerine 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.

How we collect and check rates
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What would Tangerine's 4-year rate pay on your deposit?

On $50,000 it pays $8,156 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%MCAN Wealth4.05%EQ Bank4.00%All 15 institutions→

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