4-Year GIC Rates - 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
4-Year GIC Rates for Registered Accounts
| Financial Institution | 4-Year GIC | Redeemable | Redeemable Term | Minimum Deposit |
|---|---|---|---|---|
| Achieva Financial | 3.9000 | no | 1,000 | |
| BMO Bank of Montreal | 3.3500 | no | 1,000 | |
| 2.6000 | yes | 1,000 | ||
| Bank of Nova Scotia | 2.7000 | no | 500 | |
| Bk Nova Scotia Mtg. Corp | 2.7000 | no | 500 | |
| CIBC | 2.2000 | no | 500 | |
| - | yes | 500 | ||
| Canada Life | 3.3500 | yes | 500 | |
| Coast Capital Savings | 3.6000 | no | 1,000 | |
| Desjardins - Caisses | 3.3000 | no | 500 | |
| EQ Bank | 3.4000 | no | 100 | |
| Effort Trust | 2.6000 | no | 1,000 | |
| Empire Life | 3.4000 | yes | 500 | |
| Equitable | 3.7000 | yes | 500 | |
| FirstOntario Credit Un. | 3.6000 | no | 500 | |
| Home Bank | 4.2800 | no | 1,000 | |
| Home Trust | 4.2800 | no | 1,000 | |
| Hubert Financial | 3.8000 | no | 1,000 | |
| IC Savings | 2.7000 | no | 1,000 | |
| Industrial Alliance | 3.1500 | yes | 1,000 | |
| Kindred Credit Union | 3.8000 | no | 500 | |
| Luminus Financial | 3.2000 | no | 500 | |
| MCAN Mortgage Corp. | 4.2000 | no | 5,000 | |
| Manulife Bank | 3.9000 | no | 2,500 | |
| Manulife Investments | 3.3500 | yes | 2,500 | |
| Meridian Credit Union | 3.9000 | no | 500 | |
| National Bank | 3.8500 | no | 500 | |
| 3.4500 | yes | 500 | ||
| Oaken Financial | 4.2500 | no | 1,000 | |
| Outlook Financial | 3.8500 | no | 1,000 | |
| Peace Hills Trust | 3.2000 | no | 5,000 | |
| Peoples Trust | 3.2500 | no | 1,000 | |
| Royal Bank of Canada | 2.7000 | no | 500 | |
| Serenia Life Financial | 3.6000 | yes | 500 | |
| Shinhan Bank Canada | 3.5000 | no | 0 | |
| Steinbach Credit Union | 4.0000 | no | 500 | |
| Sun Life - Insurance | 3.3500 | yes | 1,000 | |
| Sun Life - Trust | 3.6000 | no | 1,000 | |
| 3.3000 | yes | 1,000 | ||
| TD Canada Trust | 3.3500 | no | 500 | |
| Tangerine | 4.1000 | no | 1 | |
| UV Insurance | 3.2500 | yes | 500 | |
| Wealth One Bank Canada | 4.2500 | no | 1,000 | |
| Your Neighbourhood C.U. | 3.7000 | no | 1,000 |
Compare GICs vs Life Annuities
Compare today's published GIC rates with published life annuity income from leading Canadian providers.
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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. |
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Prepared by CANNEX on September 25, 2026 at 07:33:32 ET. This information is current as of the date and time posted and is subject to change without notice. © Copyright 2026 CANNEX Financial Exchanges Limited. All rights reserved. |
