Simplii Financial GIC Rates - Best Guaranteed Returns February 2026

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

Compare All GIC Rates

💰 Current Simplii Financial GIC Rates

Product Rate Term Min Deposit Action
Simplii Financial 5 Years GIC
 3.65% 5 years $100 Apply Now
Simplii Financial 4 Years GIC
 3.55% 4 years $100 Apply Now
Simplii Financial 1 Year GIC
 3.20% 1 year $100 Apply Now
Simplii Financial GICs
 3.15% Ongoing $0 Apply Now
Simplii Financial 2 Years GIC
 3.10% 2 years $100 Apply Now

About Simplii Financial

Simplii Financial is CIBC's digital banking platform offering no-fee banking with competitive rates.

Bank Details

Key Features

  • No monthly fees
  • Free CIBC ATM access
  • Mobile banking
  • No minimum balance
PRODUCT DEBUG INFO:
page_type: bank_product
product exists: YES
product.name: GIC
product.full_name: Guaranteed Investment Certificate
product.tax_treatment: Interest income is taxable (unless in registered account)
product.liquidity: Low - locked in for term
product.risk_level: No risk (CDIC insured)
product.best_for: ['Conservative investors', 'Guaranteed returns', 'Capital preservation', 'Known timeline']

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

❓ Frequently Asked Questions

What is the current Simplii Financial GIC rate?

Current Simplii Financial 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 Simplii Financial GIC?

The minimum deposit for Simplii Financial Guaranteed Investment Certificate is $500.

Is Simplii Financial CDIC insured?

Yes, Simplii Financial is a CDIC member institution.

How does Simplii Financial GIC compare to other banks?

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

🔗 Related Rate Comparisons

Simplii Financial TFSA Rates

Bank Product

Simplii Financial HISA Rates

Bank Product

EQ Bank GIC Rates

Bank Product

Simplii Financial vs EQ Bank GIC Comparison

Comparison

Tangerine GIC Rates

Bank Product

Simplii Financial vs Tangerine GIC Comparison

Comparison