GIC Rates

Our best GIC rates as of February 2, 2023 

1 Year 4.850% 4.850%
2 Years 4.750% 4.750%
3 Years 4.750% 4.750%
4 Years 4.800% 4.800%
5 Years 5.000% 5.000%

Enhanced rates may be available for deposits of $25,000 or more.
Rates for registered investments (RRSP) may differ from non-registered investments

How is your GIC Guaranteed?

The Canadian Deposit Insurance Corporation is a federal Crown corporation created by Parliament in 1967 to protect your deposits (up to $100,000) made with member financial institutions in case of their failure (for more information go to In addition, the Deposit Guarantee Corporation of Manitoba provides 100% guarantee of deposits held with Manitoba credit unions and caisses populaires. (for more information go to Finally, Assuris offers protection in the event that a life insurance company fails. Assuris is a not-for-profit corporation funded by the life insurance industry. It protects Canadian policyholders against loss of benefits due to the financial failure of a member company (for more information go to