GIC - Long-term rates

GIC- RRSP, TFSA and Non-registered rates
Rates effective as of: October 02, 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 year3.200 %3.200 %3.050 %
3 year3.250 %3.250 %3.050 %
4 year3.400 %3.400 %3.200 %
5 year3.500 %3.500 %3.250 %
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: October 02, 2026
Account termCompound Interest
Daily0.250 %
1 year2.950 %
2 year3.200 %
3 year3.250 %
4 year3.400 %
5 year3.500 %
6 year3.500 %
7 year3.500 %
8 year3.500 %
9 year3.500 %
10 year3.550 %
11 year3.500 %
12 year3.500 %
13 year3.500 %
14 year3.500 %
15 year3.500 %
16 year3.500 %
17 year3.500 %
18 year3.500 %
19 year3.500 %
20 year3.500 %
21 year3.400 %
22 year3.400 %
23 year3.400 %
24 year3.400 %
25 year3.350 %

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