giccalculator.ca
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
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.

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