Long-Term GIC Rates for US Term Deposits
GIC Interest Rates
| US Term Deposits/GICs: 1 to 6 years | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| Financial Institution | Term In Years | Redeem- able |
Redeemable Term |
Minimum Deposit |
|||||
| 1 | 2 | 3 | 4 | 5 | 6 | ||||
| Alterna Savings | .3500 | .4000 | .4500 | .5000 | .5500 | - | no | 500 | |
| BMO Bank of Montreal | 4.0000 | 3.9500 | 4.0000 | 4.0500 | 4.1000 | - | yes | 1,000 | |
| Bank of Nova Scotia | 4.0000 | 3.7000 | 3.6500 | 3.6500 | 3.5000 | - | no | 1,000 | |
| Desjardins - Caisses | 3.9500 | 3.9500 | 4.0000 | 4.0500 | 4.1000 | - | no | 5,000 | |
| Equitable Bank | 4.1000 | 3.9500 | 3.9500 | 4.0000 | 4.0500 | 2.5000 | no | 1,000 | |
| 1.7500 | - | - | - | - | - | cashable | 30 days | 1,000 | |
| Equitable Trust | 4.1000 | 3.9500 | 3.9500 | 4.0000 | 4.0500 | 2.5000 | no | 1,000 | |
| 1.7500 | - | - | - | - | - | cashable | 30 days | 1,000 | |
| Meridian Credit Union | 4.2500 | 4.4500 | 4.5000 | 4.4500 | 4.5000 | - | no | 5,000 | |
| Parama Credit Union | 1.5000 | - | - | - | - | - | no | 500 | |
| Royal Bank of Canada | 3.9000 | 3.9500 | 4.0000 | 4.0500 | 4.1000 | - | no | 5,000 | |
| SBI Canada Bank | 4.3000 | 4.0000 | 4.0000 | 4.0000 | 4.0000 | - | no | 1,500 | |
| 3.5000 | 3.5000 | 3.5000 | 3.5000 | 3.5000 | - | yes | 1,000 | ||
| T-D Mortgage | 3.9000 | 3.9500 | 4.0000 | 4.0500 | 4.1000 | - | no | 1,000 | |
| TD Canada Trust | 3.7000 | - | - | - | - | - | no | 5,000 | |
| Tangerine | 4.2500 | 4.3500 | 4.4000 | 4.4500 | 4.5000 | - | no | 1 | |
|
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. |
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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. |
