GIC - Long-term rates

GIC- RRSP, TFSA and Non-registered rates
Rates effective as of: September 21, 2026
Account termCompound interest (YRC) Annual interest (YRAP)Monthly interest (YRMP)
Daily0.250 %0.250 %n/a
1 year2.950 %2.950 %2.850 %
2 year3.100 %3.100 %2.950 %
3 year3.150 %3.150 %2.950 %
4 year3.300 %3.300 %3.100 %
5 year3.400 %3.400 %3.150 %
Compound interest (YRC): Interest compounded
Annual interest (YRAP): Simple interest paid out annually
Monthly Interest (YRMP): Simple interest paid out monthly
 
GIC - RRIF rates
Rates effective as of: September 21, 2026
Account termCompound Interest
Daily0.250 %
1 year2.950 %
2 year3.100 %
3 year3.150 %
4 year3.300 %
5 year3.400 %
6 year3.400 %
7 year3.400 %
8 year3.400 %
9 year3.400 %
10 year3.450 %
11 year3.400 %
12 year3.400 %
13 year3.400 %
14 year3.400 %
15 year3.400 %
16 year3.400 %
17 year3.400 %
18 year3.400 %
19 year3.400 %
20 year3.400 %
21 year3.300 %
22 year3.300 %
23 year3.300 %
24 year3.300 %
25 year3.250 %

Back to top