Beneva
BMO Insurance
Canada Life
Desjardins Financial
Empire Life
Equitable Life
Great-West Life
Industrial Alliance
ivari
Manulife
RBC Insurance
Sun Life
TFSA: Long-Term GIC Rates
GIC Interest Rates
| Tax-Free Term Deposits/GICs: 1 to 6 years | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| Financial Institution | Term In Years | Redeem- able |
Redeemable Term |
Minimum Deposit |
|||||
| 1 | 2 | 3 | 4 | 5 | 6 | ||||
| Achieva Financial | 3.5000 | 3.5000 | 3.7000 | 3.5500 | 3.7000 | - | no | 1,000 | |
| Bank of Montreal | 2.7500 | 2.7500 | 2.8000 | 2.8000 | 3.0000 | 3.2500 | no | 1,000 | |
| CIBC | 2.0000 | - | - | - | - | - | yes | 500 | |
| Coast Capital Savings | 3.0000 | 3.1000 | 3.1500 | 3.2000 | 3.4000 | - | no | 1,000 | |
| EQ Bank | 3.4000 | 3.5000 | 3.7000 | 3.7500 | 3.8500 | 2.6000 | no | 100 | |
| Empire Life | 2.0000 | 2.2000 | 2.4500 | 2.6000 | 3.1500 | 2.8000 | yes | 500 | |
| Equitable | 2.5500 | 2.7500 | 2.8500 | 3.0000 | 3.4000 | 3.4000 | yes | 500 | |
| FirstOntario Credit Un. | 3.0000 | 3.1500 | 3.1500 | 4.0000 | 3.3000 | - | no | 500 | |
| Home Bank | 3.3500 | 3.5000 | 3.6000 | 3.6500 | 3.7600 | - | no | 1,000 | |
| Home Trust | 3.3500 | 3.5000 | 3.6000 | 3.6500 | 3.7600 | - | no | 1,000 | |
| Hubert Financial | 3.7500 | 3.6500 | 3.7000 | 3.7500 | 3.8500 | - | no | 1,000 | |
| IC Savings | 3.0000 | 2.8500 | 2.8500 | 2.8000 | 2.7500 | - | no | 1,000 | |
| Industrial Alliance | 2.2000 | 2.4000 | 2.4500 | 2.6000 | 2.8000 | - | yes | 1,000 | |
| Kindred Credit Union | 3.0500 | 3.1000 | 3.1000 | 3.1000 | 3.1000 | - | no | 500 | |
| Libro Credit Union | 3.3500 | 3.4500 | 3.3000 | 3.3000 | 3.3000 | - | no | 0 | |
| Manulife Bank | 3.5500 | 3.2000 | 3.7000 | 3.3500 | 4.0000 | - | no | 2,500 | |
| Manulife Investments | 2.3000 | 2.4500 | 2.7000 | 2.8500 | 3.0500 | 3.3000 | yes | 2,500 | |
| Meridian Credit Union | 3.0500 | 3.1500 | 3.2500 | 3.3000 | 3.4000 | - | no | 500 | |
| .0000 | .0000 | .0000 | .0000 | .0000 | - | yes | 500 | ||
| Oaken Financial | 3.5000 | 3.7000 | 3.6000 | 3.6000 | 3.8000 | - | no | 1,000 | |
| Outlook Financial | 3.5000 | 3.5500 | 3.6000 | 3.6500 | 3.7000 | - | no | 1,000 | |
| Peoples Trust | 3.5000 | 3.4500 | 3.5500 | 3.6000 | 3.7000 | - | no | 1,000 | |
| Royal Bank of Canada | 2.7000 | 2.8000 | 2.8000 | 2.8000 | 2.9000 | - | no | 500 | |
| SBI Canada Bank | 3.2000 | 3.2500 | 3.2500 | 3.3000 | 3.3000 | - | no | 1,000 | |
| Serenia Life Financial | 2.5500 | 2.7500 | 3.2500 | 2.9000 | 3.0500 | - | yes | 500 | |
| Shinhan Bank Canada | 2.7500 | 2.7500 | 2.7500 | 2.7500 | 2.7500 | - | no | 0 | |
| Sun Life - Trust | 2.8000 | 2.9500 | 2.9500 | 3.0000 | 3.0500 | - | no | 1,000 | |
| 2.4500 | 2.7000 | 2.7000 | 2.8000 | 2.9000 | - | yes | 1,000 | ||
| T-D Mortgage | 2.8000 | 2.8500 | 2.6500 | 2.7000 | 3.0000 | - | no | 1,000 | |
| Tangerine | 3.2500 | 3.3500 | 3.4500 | 3.5000 | 3.5500 | - | no | 1 | |
| UV Insurance | 2.4500 | 2.5500 | 2.6500 | 2.7500 | 2.9000 | - | yes | 500 | |
| Wealth One Bank Canada | 3.6500 | 3.7500 | 3.7000 | 3.7000 | 3.8500 | - | no | 1,000 | |
|
Interest not compounded and paid at maturity.
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 September 3, 2025 at 07:30:23 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. |
