GIC - Long-term rates

GIC- RRSP, TFSA and Non-registered rates
Rates effective as of: September 11, 2026
Account termCompound interest (YRC) Annual interest (YRAP)Monthly interest (YRMP)
Daily0.250 %0.250 %n/a
1 year2.750 %2.750 %2.650 %
2 year2.950 %2.950 %2.800 %
3 year3.000 %3.000 %2.800 %
4 year3.150 %3.150 %2.950 %
5 year3.300 %3.300 %3.050 %
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 11, 2026
Account termCompound Interest
Daily0.250 %
1 year2.750 %
2 year2.950 %
3 year3.000 %
4 year3.150 %
5 year3.300 %
6 year3.300 %
7 year3.300 %
8 year3.300 %
9 year3.300 %
10 year3.350 %
11 year3.300 %
12 year3.300 %
13 year3.300 %
14 year3.300 %
15 year3.300 %
16 year3.300 %
17 year3.300 %
18 year3.300 %
19 year3.300 %
20 year3.300 %
21 year3.200 %
22 year3.200 %
23 year3.200 %
24 year3.200 %
25 year3.150 %

Back to top