GIC Rates Comparison Table

Compare The Best GIC Rates

By Ivon T Hughes
gic rates comparison
Figure 1. Gic Rates

Guaranteed Investment Certificate

Find the latest Canadian Guaranteed Investment Certificate (GIC) comparison table as of December 2013. Compare the best GIC rates from over fifty of Canada's top financial institutions.

GIC Rates as of December 19, 2013

GIC Interest Rates: 1 - 5 years
Company Term In Years
1 2 3 4 5
ATB Financial 1.300 1.750 2.000 2.100 2.500
AcceleRate Financial 2.100 2.300 2.500 2.700 3.000
Achieva Financial 2.000 2.200 2.400 2.600 2.850
Alterna Bank 1.500 2.250 2.150 2.150 2.500
B2B Bank 1.450 1.800 2.020 2.300 2.650
Bank West 1.500 1.800 1.950 2.050 2.100
Bank of Montreal 1.000 1.150 1.350 1.600 1.950
Bank of Nova Scotia .900 1.100 1.250 1.400 1.750
Bk Nova Scotia Mtg. Corp .900 1.100 1.250 1.400 1.750
CIBC .650 .850 1.000 1.150 1.500
Caisses Desjardins .900 1.150 1.250 1.500 1.750
Canada Life .550 .900 1.200 1.350 1.500
Canadian Direct Fin'l 1.700 1.900 2.200 2.500 2.750
Canadian Tire Bank 1.100 1.400 1.650 1.950 2.400
Canadian Western Bank 1.450 1.650 1.950 2.250 2.500
Coast Capital Savings 1.550 1.650 1.950 2.050 2.250
Community Trust 1.400 1.550 1.900 2.050 2.300
Comtech Credit Union 1.650 1.700 2.000 2.150 2.400
Concentra Financial 1.700 1.850 2.000 2.450 2.650
DUCA Financial Services 1.600 1.800 2.100 2.300 2.500
Desjardins Fin. Security .850 1.000 1.400 1.800 2.150
Effort Trust 1.700 1.950 2.100 2.500 2.650
Empire Life 1.200 1.400 1.700 1.900 2.250
Entegra Credit Union 1.900 2.100 2.300 2.500 2.750
Equitable Bank 1.400 1.650 2.010 2.300 2.550
Fiducie Desjardins .900 1.150 1.250 1.500 1.750
First Calgary Financial 1.250 1.650 1.700 1.750 2.350
FirstOntario Credit Un. 1.500 1.750 2.000 2.300 2.550
General Bank of Canada 1.500 1.750 2.000 2.250 2.500
Great-West Life .800 1.150 1.450 1.600 1.750
HSBC Bank Canada 1.150 1.250 1.350 1.600 1.950
HomEquity Bank 1.400 1.650 2.050 2.350 2.600
Home Trust Company 1.500 1.710 2.000 2.300 2.500
Hubert Financial - 2.250 2.450 2.600 2.850
ICICI Bank Canada 1.550 1.850 2.100 2.350 2.650
ING Direct 1.350 1.750 2.000 2.000 2.250
Implicity Financial 2.150 2.350 2.600 2.800 3.100
Industrial Alliance .900 1.200 1.450 1.600 1.950
Laurentian Bank Canada .900 1.150 1.300 1.450 1.750
Laurentienne Trust .900 1.150 1.300 1.450 1.750
Libro Financial Group 1.100 1.500 1.600 1.750 1.850
London Life .800 1.150 1.450 1.600 1.750
MAXA Financial 2.000 2.200 2.400 2.600 2.900
MCAN Mortgage Corp. 1.700 2.050 2.150 2.400 2.400
Manulife Bank 1.460 1.710 2.010 2.360 2.660
Manulife Investments 1.250 1.600 1.750 2.000 2.150
Manulife Trust 1.460 1.710 2.010 2.360 2.660
MonCana Bank of Canada 1.750 1.900 2.150 2.400 2.550
National Bank .900 1.150 1.250 1.500 1.750
North Peace Savings & CU 1.950 2.350 2.400 2.450 2.500
Oaken Financial 2.000 2.200 2.400 2.600 3.000
Ontario Civil Service CU 1.000 1.100 1.350 1.600 1.900
Outlook Financial 2.000 2.200 2.600 2.800 3.100
PACE Savings & Credit Un 1.200 1.500 1.600 1.750 2.100
Pacific & Western Bank 1.400 1.810 1.800 2.050 2.200
Parama Credit Union 1.550 1.750 2.000 2.100 2.350
Peace Hills Trust 1.450 1.750 2.000 2.350 2.500
Peoples Trust 1.550 1.800 1.850 2.100 2.300
President's Choice Fin'l 1.350 1.750 2.000 2.250 2.500
Royal Bank of Canada 1.300 1.400 1.800 1.600 2.200
Servus Credit Union 1.000 1.400 1.600 1.600 2.200
Standard Life 1.350 1.550 1.750 2.125 2.500
State Bank of India (C) 1.650 1.900 2.250 2.350 2.500
Steinbach Credit Union 1.900 2.100 2.300 2.500 2.750
Sun Life - Insurance 1.300 1.550 1.800 2.100 2.450
T-D Mortgage 1.000 1.450 1.800 2.000 2.300
Teachers Credit Union 1.400 1.650 1.800 2.200 2.500
VanCity Savings (BC) 1.350 1.550 1.850 1.950 2.150
Windsor Family C.U. .900 1.100 1.250 1.400 1.750
Your Neighbourhood C.U. 1.500 1.650 1.900 2.200 2.300
Ivon T Hughes

About the Author

Ivon T. Hughes

Ivon T Hughes is a leading expert in life annuities in Canada. His website LifeAnnuities.com is a recognized authority on annuities. He's also an established insurance and investment broker, through The Hughes Trustco Group since 1972. Recently, he's been redefining how annuities are sold in Canada.

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