RBC GIC Rates - Updated August 2025

Compare RBC Guaranteed Investment Certificate rates and features. Find the best deal for your savings with CDIC-insured protection.

Compare All GIC Rates

💰 Current RBC GIC Rates

Product Rate Term Min Deposit Action
RBC 5 Years GIC
 3.00% 5 years $5,000 Apply Now
RBC 2 Years GIC
 2.85% 2 years $5,000 Apply Now
RBC 1 Year GIC
 2.80% 1 year $5,000 Apply Now
GIC (5-year)
 2.75% 5-year $1,000 Apply Now
RBC 4 Years GIC
 2.70% 4 years $5,000 Apply Now

About RBC

RBC is Canada's largest bank by market capitalization, offering comprehensive banking services.

Bank Details

Key Features

  • Large ATM network
  • Full-service branches
  • Investment services
  • Mobile banking

About Guaranteed Investment Certificate

A secure investment that guarantees to preserve capital while earning a fixed rate of return.

Tax Treatment: Interest income is taxable (unless in registered account)
Liquidity: Low - locked in for term
Risk Level: No risk (CDIC insured)

Best For:

  • Conservative investors
  • Guaranteed returns
  • Capital preservation
  • Known timeline

📊 How RBC Compares to Other Banks

Tangerine

4.25%

Tangerine GIC

View Details

CIBC

4.00%

CIBC GIC

View Details

Saven Financial

4.00%

GIC (4-year)

View Details

Saven Financial

4.00%

Saven Financial 4 Years GIC

View Details

MCAN Wealth

3.95%

GIC (5-year)

View Details

MCAN Wealth

3.95%

MCAN Wealth 5 Years GIC

View Details

❓ Frequently Asked Questions

What is the current RBC GIC rate?

Current RBC Guaranteed Investment Certificate rates vary based on term and balance. Use our comparison tool for the most up-to-date rates.

What is the minimum deposit for RBC GIC?

The minimum deposit for RBC Guaranteed Investment Certificate is $500.

Is RBC CDIC insured?

Yes, RBC is a CDIC member institution.

How does RBC GIC compare to other banks?

Use our comparison tool to see how RBC Guaranteed Investment Certificate rates and features compare to other Canadian banks.

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