Compare and Find the Best GIC Rates in Canada
Compare GIC rates from banks, credit unions, and online financial institutions across Canada. Find the best guaranteed investment certificate rates for your needs.
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Frequently Asked Questions
What is a GIC?
A Guaranteed Investment Certificate (GIC) is a Canadian deposit product that offers a guaranteed principal and interest rate for a specific term period.
Are GICs insured?
Most bank GICs are eligible for CDIC insurance up to $100,000 per depositor. Credit union GICs often have provincial insurance coverage.
Cashable vs Non-redeemable GICs?
Cashable GICs allow early redemption but typically offer lower rates. Non-redeemable GICs lock in your money for the full term but offer higher rates.
What's the difference between registered and non-registered GICs?
Registered GICs are held in accounts like TFSA, RRSP, or FHSA with special tax treatment. Non-registered GIC interest is fully taxable as income.