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GIC Rates

Our high interest Guaranteed Investment Certificates (GICs) offer you peace of mind on your return.

3.7

%

5 Year GIC

*All rates and conditions subject to change without notice.

3 Year Rate Climber

*Min deposit $1000

1st Year
3.25
%
Effective
Dec 3, 2025
2nd Year
3.35
%
Effective
Dec 3, 2025
3rd Year
3.50
%
Effective
Dec 3, 2025

Explore more investment options
with our Compound Interest Calculator

5 Year Rate Climber

*Min deposit $1000

1st Year
3.35
%
Effective
Dec 3, 2025
2nd Year
3.40
%
Effective
Aug 11, 2025
3rd Year
3.55
%
Effective
Dec 3, 2025
4th Year
3.65
%
Effective
Dec 3, 2025
5th Year
3.75
%
Effective
Dec 3, 2025

Explore more investment options
with our Compound Interest Calculator

Estimated interest is provided for illustration purposes only.

Estimated interest is calculated assuming: (i) the stated annual interest rate remains constant for the full contract period; (ii) no additional deposits or withdrawals are made; and (iii) interest accrues and compounds over the contract period and is paid at maturity (end of contract). Estimated results are for illustration only. Actual interest earned may differ and will be confirmed at the time of signing the GIC Agreement.

GIC Interest

GIC interest rates quoted are per annum, with interest calculated and paid on each 12 month anniversary date, and at maturity. Interest rates are guaranteed for the duration of the specified term. GICs are not redeemable prior to maturity.

Rate Climber

Guaranteed Investment Certificate (GIC) Rate Climbers are redeemable on each 12 month anniversary date and at maturity.

Rate Title

Rate
Effective: 
Date
Interest rate is applied to entire balance in account.