5-Year GIC Rates - Non-Registered
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30-Day GIC |
60-Day GIC |
90-Day GIC |
120-Day GIC |
180-Day GIC |
270-Day GIC
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5-Year GIC Rates for Non-Registered Accounts
| Financial Institution | 5-Year GIC | Redeemable | Redeemable Term | Minimum Deposit |
|---|---|---|---|---|
| Achieva Financial | 4.3000 | no | 1,000 | |
| Alterna Bank | 3.3000 | no | 500 | |
| Alterna Savings | 3.3000 | no | 500 | |
| - | yes | 500 | ||
| Bank of Montreal | 3.5500 | no | 1,000 | |
| Bank of Nova Scotia | 2.7500 | no | 1,000 | |
| - | cashable | 30 days | 1,000 | |
| Bk Nova Scotia Mtg. Corp | 2.7500 | no | 1,000 | |
| - | cashable | 30 days | 1,000 | |
| Bridgewater Bank | 3.1500 | no | 5,000 | |
| - | cashable | 30 days | 5,000 | |
| CIBC | .7000 | yes | 1,000 | |
| - | cashable | 30 days | 1,000 | |
| CIBC Trust Corp. | 2.2000 | no | 1,000 | |
| Canadian Tire Bank | 4.3500 | no | 1,000 | |
| Coast Capital Savings | 3.8000 | no | 1,000 | |
| - | cashable | 30 days | 1,000 | |
| Community Trust | 3.2900 | no | 5,000 | |
| Concentra Bank | 4.3200 | no | 5,000 | |
| - | cashable | 30 days | 5,000 | |
| Desjardins - Caisses | 4.0000 | no | 1,000 | |
| - | cashable | 30 days | 1,000 | |
| EQ Bank | 3.4500 | no | 100 | |
| Effort Trust | 2.6000 | no | 1,000 | |
| Empire Life | 3.8000 | yes | 500 | |
| Equitable | 4.2000 | yes | 500 | |
| Equitable Bank | 4.3200 | no | 1,000 | |
| Equitable Trust | 4.3200 | no | 1,000 | |
| - | cashable | 30 days | 1,000 | |
| FirstOntario Credit Un. | 3.8000 | no | 500 | |
| General Bank of Canada | 4.1700 | no | 5,000 | |
| Haventree Bank | 4.3400 | no | 5,000 | |
| Home Bank | 4.3800 | no | 1,000 | |
| - | cashable | 30 days | 1,000 | |
| Home Bank | - | cashable | 90 days | 1,000 |
| Home Equity Bank | 4.3800 | no | 5,000 | |
| Home Trust | 4.3800 | no | 1,000 | |
| - | cashable | 30 days | 1,000 | |
| Home Trust | - | cashable | 90 days | 1,000 |
| Hubert Financial | 4.2500 | no | 1,000 | |
| - | yes | 1,000 | ||
| IC Savings | 2.7500 | no | 1,000 | |
| - | cashable | 30 days | 1,000 | |
| Industrial Alliance | 3.4500 | yes | 1,000 | |
| Innovation Federal CU | 3.9000 | no | 1,000 | |
| - | cashable | 30 days | 1,000 | |
| KEB Hana Bank Canada | 3.1500 | no | 3,500 | |
| Kindred Credit Union | 4.0000 | no | 500 | |
| Laurentian Bank Canada | 4.1000 | no | 500 | |
| League Svgs & Mortgage | 4.0000 | no | 25,000 | |
| Libro Credit Union | 3.5000 | no | 500 | |
| Luminus Financial | 3.8000 | no | 500 | |
| MCAN Mortgage Corp. | 4.1000 | no | 5,000 | |
| Manulife Bank | 4.0500 | no | 2,500 | |
| Meridian Credit Union | 4.1000 | no | 100 | |
| National Bank | 4.0000 | no | 1,000 | |
| 3.5000 | yes | 1,000 | ||
| Oaken Financial | 4.5000 | no | 1,000 | |
| - | cashable | 30 days | 1,000 | |
| Oaken Financial | - | cashable | 90 days | 1,000 |
| Outlook Financial | 4.2500 | no | 1,000 | |
| Parama Credit Union | 3.7500 | no | 1,000 | |
| Peace Hills Trust | 3.3000 | no | 5,000 | |
| Peoples Trust | 3.4500 | no | 1,000 | |
| President's Choice Bank | 4.3100 | no | 500 | |
| Questbank | 3.1400 | no | 5,000 | |
| RFA Bank of Canada | 3.5000 | no | 1,000 | |
| - | cashable | 90 days | 1,000 | |
| Royal Bank of Canada | 2.7500 | no | 1,000 | |
| 2.6500 | yes | 1,000 | ||
| SBI Canada Bank | 3.4000 | no | 1,000 | |
| Santander Consumer Bank | 3.9500 | no | 1,000 | |
| Shinhan Bank Canada | 3.5000 | no | 5,000 | |
| Steinbach Credit Union | 4.2000 | no | 500 | |
| Sun Life - Insurance | 3.5500 | yes | 1,000 | |
| Sun Life - Trust | 3.7500 | no | 1,000 | |
| 3.5000 | yes | 1,000 | ||
| T-D Mortgage | 3.5500 | no | 1,000 | |
| TD Canada Trust | 3.5500 | no | 1,000 | |
| - | cashable | 30 days | 500 | |
| Tangerine | 4.2500 | no | 1 | |
| Tru Cooperative Bank | 3.7500 | no | 5,000 | |
| - | cashable | 90 days | 5,000 | |
| UV Insurance | 3.3500 | yes | 500 | |
| Vancity Savings (BC) | 3.7000 | no | 500 | |
| VersaBank | 4.1700 | no | 1,000 | |
| Wealth One Bank Canada | 4.5000 | no | 1,000 | |
| Your Neighbourhood C.U. | 3.8000 | 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 October 5, 2026 at 07:34:11 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. |
