GIC Rates

Our best GIC rates as of January 19, 2022 

1 Year 1.490% 1.490%
2 Years 2.140% 2.140%
3 Years 2.420% 2.420%
4 Years 2.450% 2.450%
5 Years 2.550% 2.550%

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