Beneva
BMO Insurance
Canada Life
Desjardins Financial
Empire Life
Equitable Life
Great-West Life
Industrial Alliance
ivari
Manulife
RBC Insurance
Sun Life
120-Day (4-Month) GIC Rates - Non-Registered
Short-Term:
30-Day GIC |
60-Day GIC |
90-Day GIC |
120-Day GIC |
180-Day GIC |
270-Day GIC
Long-Term:
1-Year GIC |
2-Year GIC |
3-Year GIC |
4-Year GIC |
5-Year GIC |
6-Year GIC
Compare GIC Interest Rates
120-Day (4-Month) GIC Rates for Non–Registered Accounts
| Financial Institution | 120-Day GIC | Redeemable | Redeemable Term | Minimum Deposit |
|---|---|---|---|---|
| Alterna Savings | - | no | 500 | |
| BMO Bank of Montreal | 2.2500 | yes | 10,001 | |
| Bank of Montreal | 2.2500 | no | 5,000 | |
| Bank of Nova Scotia | 2.4000 | no | 5,000 | |
| 2.5000 | yes | 1,000 | ||
| Bk Nova Scotia Mtg. Corp | 2.4000 | no | 5,000 | |
| .0500 | yes | 1,000 | ||
| Bridgewater Bank | 2.7000 | no | 5,000 | |
| CIBC | .0500 | no | 1,000 | |
| .0500 | yes | 1,000 | ||
| Coast Capital Savings | 2.5000 | no | 1,000 | |
| Community Trust | 1.6500 | no | 5,000 | |
| Comtech Fire Credit U. | 1.3500 | yes | 1,000 | |
| Desjardins - Caisses | 1.9000 | no | 5,000 | |
| EQ Bank | - | no | 100 | |
| Effort Trust | 2.2500 | no | 5,000 | |
| Empire Life | - | yes | 500 | |
| Equitable Bank | 2.7000 | no | 1,000 | |
| Equitable Trust | 2.7000 | no | 1,000 | |
| FirstOntario Credit Un. | 3.1000 | no | 5,000 | |
| General Bank of Canada | 2.0000 | no | 10,000 | |
| Haventree Bank | 1.1000 | no | 10,000 | |
| Home Bank | 2.7500 | no | 1,000 | |
| Home Trust | 2.7500 | no | 1,000 | |
| IC Savings | .6500 | no | 1,000 | |
| Kindred Credit Union | 2.2500 | no | 0 | |
| Laurentian Bank Canada | 2.7500 | no | 500 | |
| - | cashable | 30 days | 500 | |
| Libro Credit Union | 2.5000 | no | 3,000 | |
| Luminus Financial | 2.2000 | no | 500 | |
| MCAN Mortgage Corp. | 3.1200 | no | 5,000 | |
| Manulife Bank | 2.5500 | no | 25,000 | |
| Meridian Credit Union | 2.1500 | no | 500 | |
| .1000 | yes | 2,500 | ||
| National Bank | 1.0000 | no | 5,000 | |
| .9000 | yes | 5,000 | ||
| Oaken Financial | 1.0000 | no | 1,000 | |
| Peace Hills Trust | .2000 | no | 5,000 | |
| Peoples Trust | 2.2500 | no | 1,000 | |
| Royal Bank of Canada | 2.6500 | no | 5,000 | |
| 2.4000 | yes | 5,000 | ||
| Sun Life - Trust | .7000 | no | 1,000 | |
| .6000 | yes | 1,000 | ||
| T-D Mortgage | 2.2500 | no | 5,000 | |
| TD Canada Trust | 2.2500 | no | 5,000 | |
| Tangerine | - | no | 1 | |
| VersaBank | 3.1200 | no | 5,000 |
|
Interest not compounded and paid annually.
Term deposits are investment products that offer a guaranteed rate of return for a pre-defined time period. The applicable interest rate varies according to the term of investment, the amount of money invested, the treatment of interest and whether or not the investment is redeemed prior to maturity. Term deposits are also known as GICs (Guaranteed Investment Certificates), or Accumulation Annuities when issued by an insurance company. |
|
Prepared by CANNEX on July 25, 2025 at 07:34:13 ET. This information is current as of the date and time posted and is subject to change without notice. © Copyright 2025 CANNEX Financial Exchanges Limited. All rights reserved. |
