Comparatif
GIC providers
GICs guarantee your rate for a set term — useful for money with a known date you won't touch it. These providers are known for competitive GIC offerings; rates vary by term and change often, so confirm the current rate before locking in.
Les chiffres, en bref : Top 1-year GIC rates were roughly 3.3%–3.6% in August 2026 (e.g., Achieva ≈3.60%, EQ Bank ≈3.25%) — well above the Big Five. Rates change often and vary by term, so confirm the current rate before locking in.
Liste organisée · vérifiée le 2026-08-03. Les taux, frais et récompenses changent — confirmez les conditions actuelles auprès du fournisseur avant de faire une demande. Certains liens peuvent être des liens d'affiliation; les classements sont sur le mérite. Voir nos divulgations.
| Produit | Chiffres clés* | Reconnu pour | Idéal pour | Notes |
|---|---|---|---|---|
| GICs Oaken Financial | competitive1-yr*1–5 yrTermsYesCDIC | Consistently competitive GIC rates (Home Trust/Home Bank) | Rate-shoppers building a GIC ladder | |
| GICs EQ Bank | ≈3.25%1-yr*3 mo–10 yrTermsYesCDIC | Simple online GICs with flexible terms | Pairing with an EQ savings account | |
| GICs Motive Financial | high — verify1-yr*YesCDIC | Often table-topping posted GIC rates (Canadian Western Bank) | Maximizing a locked-in rate | |
| GICs Achieva Financial | ≈3.60%1-yr*1–5 yrTerms | Manitoba credit-union online GICs with strong rates | Rate-shoppers comfortable with a credit union | |
| GICs Wealthsimple | YesHeld in-appvariesTerms | GICs held inside the Wealthsimple app | Existing Wealthsimple clients | |
| GICs Tangerine | variesTermsYesCDIC | Easy GICs inside a familiar online bank | Existing Tangerine clients | |
| GICs Big Five banks | TFSA/RRSPRegisteredYesBranch | Branch access and registered (TFSA/RRSP) GICs | Holding GICs in a registered account with your bank |
* La couverture de la SADC s'applique dans les institutions membres, dans les limites; les assureurs provinciaux couvrent les caisses. Confirmez la couverture et les taux actuels auprès de chaque fournisseur. Information générale, pas un conseil personnalisé.