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GICs
Compare Guaranteed Investment Certificate rates across terms and providers. GICs offer a fixed, insured return in exchange for locking your money up for a set term. See our methodology.
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Best GIC rates by term
Rates shown are illustrative examples for demonstration purposes and change frequently. Always confirm current rates directly with the provider before applying.
Guide
How GICs Work
A GIC pays a guaranteed rate for a fixed term. Longer terms often pay more, but your money is locked in — breaking early usually means an interest penalty or isn’t allowed at all. Most Canadian GICs are CDIC-insured up to $100,000 per category.
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GIC Calculator
See how much a GIC could grow at maturity based on your deposit, rate, and term.
Guides
GIC Guides
Explainers on laddering GICs, cashable vs. non-redeemable terms, and how GICs compare to a high-interest savings account.