Banking · Guaranteed Investment Certificates
Best GIC rates
in Canada 2026
Lock in a guaranteed return with no market risk. We ranked every major GIC provider in Canada by rate, term flexibility, and CDIC insurance coverage — updated weekly.
◈ Key fact
GIC laddering — splitting your money across 1, 2, 3, 4, and 5-year terms — gives you both higher long-term rates and regular access to maturing funds each year. It's the most effective GIC strategy for most Canadians.
GIC rates are fixed at time of purchase and verified weekly. Rates change frequently — confirm before locking in. All accounts are CDIC-insured up to $100,000 per depositor per institution. Rankings are never influenced by compensation.