Find the highest guaranteed investment certificate rates in Canada. Compare all major banks and credit unions with CDIC protection up to $100,000.
Updated March 2026 - Start earning more today
| Rank | Bank | Rate | Term | Min Deposit | Action |
|---|---|---|---|---|---|
|
🥇 #1
|
Tangerine
GIC
|
4.25%
APY
|
Various
|
$500
|
View Details |
|
🥈 #2
|
Saven Financial
GIC
|
4.0%
APY
|
Various
|
$1000
|
View Details |
|
🥉 #3
|
MCAN Wealth
GIC
|
3.95%
APY
|
Various
|
$100
|
View Details |
|
#4
|
WealthONE
GIC
|
3.85%
APY
|
Various
|
$1000
|
View Details |
|
#5
|
Home Trust
GIC
|
3.8%
APY
|
Various
|
$1000
|
View Details |
All featured GICs are protected by Canada Deposit Insurance Corporation up to $100,000 per depositor.
We track rates from all major Canadian banks and credit unions to ensure you get the best returns on your money.
Our rate data is updated daily to ensure you always have access to the most current information.
Compare all available GIC rates from Canadian financial institutions
| Bank | Product | Rate | Term | Min Deposit | Features | Action |
|---|---|---|---|---|---|---|
|
Tangerine
|
GIC
|
4.25%
|
Flexible
|
$500
|
|
Learn More → |
|
Saven Financial
|
GIC
|
4.0%
|
Flexible
|
$1000
|
|
Learn More → |
|
MCAN Wealth
|
GIC
|
3.95%
|
Flexible
|
$100
|
|
Learn More → |
|
WealthONE
|
GIC
|
3.85%
|
Flexible
|
$1000
|
|
Learn More → |
|
Home Trust
|
GIC
|
3.8%
|
Flexible
|
$1000
|
|
Learn More → |
|
Oaken Financial
|
GIC
|
3.8%
|
Flexible
|
$1000
|
|
Learn More → |
|
WealthONE Bank of Canada
|
GIC
|
3.75%
|
Flexible
|
$1000
|
|
Learn More → |
|
EQ Bank
|
GIC
|
3.75%
|
Flexible
|
$100
|
|
Learn More → |
|
MCAN Wealth
|
GIC
|
3.75%
|
Flexible
|
$100
|
|
Learn More → |
|
Saven Financial
|
GIC
|
3.75%
|
Flexible
|
$1000
|
|
Learn More → |
|
WealthONE
|
GIC
|
3.75%
|
Flexible
|
$1000
|
|
Learn More → |
|
WealthONE Bank of Canada
|
GIC
|
3.7%
|
Flexible
|
$1000
|
|
Learn More → |
|
Achieva Financial
|
GIC
|
3.7%
|
Flexible
|
$1000
|
|
Learn More → |
|
Achieva Financial
|
GIC
|
3.7%
|
Flexible
|
$1000
|
|
Learn More → |
|
EQ Bank
|
GIC
|
3.7%
|
Flexible
|
$100
|
|
Learn More → |
|
Home Trust
|
GIC
|
3.7%
|
Flexible
|
$1000
|
|
Learn More → |
|
MAXA Financial
|
GIC
|
3.7%
|
Flexible
|
$500
|
|
Learn More → |
|
MCAN Wealth
|
GIC
|
3.7%
|
Flexible
|
$100
|
|
Learn More → |
|
MCAN Wealth
|
GIC
|
3.7%
|
Flexible
|
$100
|
|
Learn More → |
|
Oaken Financial
|
GIC
|
3.7%
|
Flexible
|
$1000
|
|
Learn More → |
The best GIC rates in Canada 2026 range from 4.50% to 5.25% APY, depending on the term and institution. EQ Bank, Tangerine, and several credit unions currently offer the highest rates. All GICs are CDIC insured up to $100,000 per depositor.
GIC rates in Canada can change daily and are influenced by the Bank of Canada's overnight rate, market conditions, and individual bank policies. We update our rate comparisons daily to ensure you have the most current information.
Non-cashable GICs typically offer higher rates but lock your money for the full term. Cashable GICs allow early withdrawal but usually offer lower rates. Choose based on whether you might need access to your funds before maturity.
GIC rates in 2026 will largely depend on Bank of Canada policy decisions. With inflation concerns and economic conditions, rates may fluctuate. Locking in current high rates with longer terms could be beneficial if you expect rates to decline.
Many of the best GIC rates require minimum deposits ranging from $500 to $1,000, though some institutions offer competitive rates with no minimum. Credit unions often have lower minimums than major banks while offering competitive rates.
Compare all the best GIC rates in Canada and find your perfect match.