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
CalculatorYou are here
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 calculators

2 tools, no signup, nothing stored. Each starts from today's verified rates — the best five-year we track is 4.30%, from WealthONE Bank of Canada.

Rates verified 2026-09-04Nothing you enter is sent to us
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Why they start from real rates

A calculator with an invented rate answers the wrong question

Every tool here is pre-loaded with a rate we actually verified against the issuer's own posted page this month, so the number it produces is one you could go and get rather than one that only exists in the box.

See where the rates come from
Nothing is stored

The maths runs in your browser

The amount, term and rate you type are used to render the result on your screen and nowhere else. They are not sent to a server, not written to storage, and not retained when you close the page.

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Educational information only, not financial advice. Published by Croton Holdings LLC. Corrections to daniel@crotoncontent.com.