CIBC
cibc.com › en › interest-rates › gic-rates.html
Interest Rates on GICs | Rates | CIBC
Browse our current Market Linked GIC offerings at CIBC Structured Notes Opens a new window in your browser.. ... The interest rate is tied to the CIBC Prime Rate, meaning you'll earn more when the prime rate goes up.
Ratehub
ratehub.ca › gics › best-gic-rates
The best GIC rates in Canada 2026 | Ratehub.ca
1 day ago - We shop the top banks and lenders to bring you the best guaranteed investment certificate (GIC) rates and terms in Canada from short-term GICs, to RRSPs and TFSA GICs.
What is the highest paying GIC rate in Canada?
As of December 2025, the highest paying 1-year term GIC rate in Canada is 3.40% offered by Oaken Financial, Achieva Financial and MCAN Wealth. For GICs with a 5-year term, the same providers currently offer the highest rate at 3.80%.
ratehub.ca
ratehub.ca › gics › best-gic-rates
The best GIC rates in Canada 2026 | Ratehub.ca
Can you negotiate GIC rates?
Yes. Most people don’t even think of negotiating when it comes to dealing with their bank, but having an in-person conversation can really pay off, particularly for those who have established relationships. If you’re unhappy with the GIC rate your bank is offering, ask for a better one. There’s no guarantee you’ll get it, but you can also shop around for a better GIC rate.
moneysense.ca
moneysense.ca › home › articles › the best gic rates in canada for 2025
The best GIC rates in Canada for 2025 - MoneySense
What will GIC rates be in 2026?
With the Bank of Canada currently holding its overnight target rate, GIC rates in Canada have largely stabilized. While GIC yields are lower than the highs seen earlier in the rate cycle, today’s best 5-year GIC rates generally sit in the high-3% range. Most economists expect the Bank to maintain its current policy stance through 2026, which means interest rates on deposits and GICs are likely to remain relatively steady in the near term, barring a meaningful shift in economic conditions.
ratehub.ca
ratehub.ca › gics › best-gic-rates
The best GIC rates in Canada 2026 | Ratehub.ca
NerdWallet
nerdwallet.com › back to nerdwallet homepage › banking › compare gic rates in canada for 2026: best 1- to 5-year gics
Compare GIC Rates in Canada for 2026: Best 1- to 5-Year GICs - NerdWallet Canada
Over 280 currently available fixed-rate, non-registered and non-redeemable GICs are examined to determine their eligibility for our roundup. ... NerdWallet Canada selects the best guaranteed investment certificates based on several criteria. Factors in our evaluation methodology include annual percentage yields, minimum deposit, redeemability, account type and more.
TD
td.com › ca › en › personal-banking › personal-investing › products › gic › gic-rates-canada
GIC rates | TD Canada Trust
Explore our Guaranteed Investment Certificate (GIC) interest rates in Canada to find an option that meets your investment goals.
NerdWallet
nerdwallet.com › back to nerdwallet homepage › banking › compare cibc gic rates for january 2026
Compare CIBC GIC Rates for January 2026 - NerdWallet Canada
Compare CIBC GIC rates for the various types of GICs to choose the best term for your investment goals.
WOWA
wowa.ca › gic-rates
Best GIC Rates in Canada (30+ Banks) - January 2026 | WOWA.ca
Compare the GIC rates from 30+ Banks in Canada. Check 6-month, 1-year, 3-year and 5-year GIC rates for both registered and non-registered accounts.
MoneySense
moneysense.ca › home › articles › the best gic rates in canada for 2025
The best GIC rates in Canada for 2025 - MoneySense
1 day ago - At a glance: CIBC’s history goes back to 1961 when the Canadian Bank of Commerce (founded in 1867) merged with Imperial Bank of Canada (founded in 873). It currently serves more than 13 million customers. CIBC offers some GICs at a “bonus rate,” which generates more interest than the posted rate.
CIBC
cibc.com › en › personal-banking › investments › gics › bonus-rate.html
CIBC Bonus Rate GIC | CIBC
You can automatically renew your GIC when it maturesⓘ or deposit your principal and interest into your bank account · You pay no taxes while your money is in your RRSP, so you can maximize your retirement savings. RDS%rate[4].BRGIC.Published(1_null_null_Year_T,500.0_-_1.0E9_CAD_Balance,21,1)(#O2#)% + %rate[4].BRGIC.Published(1_null_null_Year_T,500.0_-_1.0E9_CAD_Balance,17,1)(#O2#)% ⓘ, ⓘ, ⓘ
Scotiabank Canada
scotiabank.com › ca › en › personal › rates-prices › gic-rates.html
GIC Interest rates | Scotiabank Canada
View current/latest interest rates for cashable, non-redeemable, accelerated, laddered and stock-indexed guaranteed investment certificates (GIC).
Citi
citigroup.com › canada › en › customer-information › rates.html
Citi | Canada | Information for Customers - Rates
For a list of deposit products offered by Citibank Canada that are eligible for the deposit insurance protection offered by the CDIC, refer to the Canada Deposit Insurance Corporation section below under Further Information.
CIBC
cibc.com › en › business › investment-solutions › gics.html
Business GICs | CIBC
Want the option to cash out early without penalty? Go for a more flexible GIC. RDS%rate[4].FLGIC.Published(365_-_375_Days_D,1000.0_-_4999.99_CAD_Balance,21,6)(#O2#)%1 Posted rate
Forbes Advisor
forbes.com › advisor › ca › banking › gic › cibc-bonus-rate-gic-review
CIBC Bonus Rate GIC Review – Forbes Advisor Canada
June 18, 2025 - The CIBC Bonus Rate GIC holds a competitive position within Canada’s major banks, particularly with a one-year promotional rate of 4.50% as of July 2024. This rate matches or slightly surpasses rates at TD, RBC and Scotiabank.
CIBC
cibc.com › en › personal-banking › investments › gics.html
Guaranteed Investment Certificates (GICs) | CIBC
Up to RDS%rate[4].EZGIC.Published(5_null_null_Year_T,500.0_-_999999.99_CAD_Balance,21,1)(#O2#)%ⓘ ... Learn more about the CIBC EasyBuilder GIC. ... Explore our most popular products and discover a GIC that’s right for you. Our GIC calculator can help you select a product and show your expected returns. ... If you're already a client, you'll spend less time applying. With over 1,100 locations across Canada, we're easy to find.
CIBC
cibc.com › en › interest-rates › rrsp-rates.html
Interest Rates on RRSP GICs | Rates | CIBC
2 Rates are fixed for each GIC’s term. The minimum investment is $500 and maximum is $999,999. The maximum investment for online purchases is $999,999. To open a CIBC RRIF or LIF account, you need a minimum balance of $5,000. Interest calculation: For terms of one year or less, simple interest is calculated and paid at maturity. For terms over a year, compound interest will be calculated annually and paid at maturity. If a GIC is redeemed before maturity to transfer funds to the same account type at another financial institution, no interest will be paid and a transfer fee will apply.
Ratehub
ratehub.ca › gics › cibc-gic-rates › non-registered › 1-year
The best CIBC GIC rates in Canada | Ratehub.ca
September 12, 2025 - ... CIBC market linked GICs are tied to the performance of stock market indexes and can offer higher returns in some cases. For example, a CIBC Canada Bank GIC has a 2-year term and minimum guaranteed return of 6.90% total, or 3.45% per year.
CIBC
cibc.com › en › interest-rates › rrif-lif-rates.html
Interest Rates on RRIF and LIF GICs | Rates | CIBC
Visit CIBC to find interest rates and minimum investment terms for all of CIBC's RRIF and LIF GICs.
CIBC
cibc.com › en › personal-banking › investments › gics › flexible.html
CIBC Flexible GIC | CIBC
Invest now in a CIBC Flexible TFSA GIC. Opens a new window. Find out more about TFSAs and their contribution rules. ... Non-registered accounts are a flexible way to grow and manage your savings. RDS%rate[4].FLGIC.Published(365_-_375_Days_D,1000.0_-_4999.99_CAD_Balance,21,1)(#O2#)% + %rate[4].FLGIC.Published(365_-_375_Days_D,1000.0_-_4999.99_CAD_Balance,17,1)(#O2#)% ⓘ , ⓘ , ⓘ
CIBC
cibc.com › en › special-offers › gic-bonus-rate-offer.html
GIC Bonus Rate Offer | CIBC
Posted rate: RDS%rate[4].BBLT.Published(60_null_null_Months_T,1000.0_-_4999.99_CAD_Balance,21,1)(#O2#)% ... Your estimated value at maturity represents your total principal investment and estimated earned interest if held to maturity. The estimated value at maturity and estimated earned interest are calculated based on your GIC’s term and interest rate.
CIBC
cibc.com › en › personal-banking › investments › gics › variable-rate-gic.html
Variable Rate GIC | CIBC
Keep tabs on your GIC using CIBC Online Banking®. Check your maturity date, interest rate, deposit amount and more at any time. ... Explore our most popular products and discover a GIC that’s right for you. Our GIC calculator can help you select a product and show your expected returns. ... Top GIC questions Opens a new window in your browser. Meet with us Opens in a new window. Call us at 1-800-465-3863 Opens your phone app. Find a branch Opens in a new window. CIBC is a member of Canada Deposit Insurance Corporation (CDIC).
NerdWallet
nerdwallet.com › back to nerdwallet homepage › banking › best short-term gic rates in canada for january 2026
Best Short-Term GIC Rates in Canada for January 2026 - NerdWallet Canada
Find the best rates currently available in Canada for short-term, non-redeemable and fixed-rate GICs.