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Guaranteed Investment CertificatesSecure rates. Locked in. Earn up to 4.00%*—guaranteed.

Count on us with some of the best GIC rates in Canada.

Buy a GIC

Why choose an EQ Bank GIC

A GIC is a secure investment that guarantees 100% of your principal plus interest at maturity.

Eligible for CDIC protection†

High GIC rates with no fees

$100 minimum deposit

Don’t miss our featured GIC rates

Non-registered1 Year

4.00%*

Get this rate

Registered 9 Months

3.65%*

Get this rate

How much growth are we really talking about?

Use our GIC calculator to see how much your savings will grow with our different options.

How much do you want to invest?
GIC term
How do you want your interest paid out?
Simple interest is calculated on a per annum basis
GIC calculator
Our rate
GIC term 
Estimated earned interest
Estimated value at maturity
Buy GIC
Our rate
3.55%
GIC term 
Estimated earned interest
0
Buy GIC
Our rate
3.65%
GIC term 
Estimated earned interest
1
Buy GIC
Our rate
3.65%
GIC term 
Estimated earned interest
2
Buy GIC
Our rate
4.00%
GIC term 
Estimated earned interest
3
Buy GIC
Our rate
3.90%
GIC term 
Estimated earned interest
4
Buy GIC
Our rate
3.85%
GIC term 
Estimated earned interest
5
Buy GIC
Our rate
3.80%
GIC term 
Estimated earned interest
6
Buy GIC
Our rate
3.80%
GIC term 
Estimated earned interest
7
Buy GIC
Our rate
3.75%
GIC term 
Estimated earned interest
8
Buy GIC
Our rate
3.85%
GIC term 
Estimated earned interest
9
Buy GIC
Our rate
3.10%
GIC term 
Estimated earned interest
10
Buy GIC
Our rate
3.10%
GIC term 
Estimated earned interest
11
Buy GIC
Our rate
3.10%
GIC term 
Estimated earned interest
12
Buy GIC
Our rate
GIC term 
Estimated earned interest

Browse rates and terms to find the right GIC

Have questions? Get answers to common questions about GICs here.

Non-registered

Registered GICs

TFSA
RSP
FHSA
TFSA GICs
Term Rate* Start investing
1 Year 4.00% Get Rate
15 Month 3.90% Get Rate
2 Year 3.85% Get Rate
27 Month 3.80% Get Rate
3 Year 3.80% Get Rate
4 Year 3.75% Get Rate
5 Year 3.85% Get Rate
RSP GICs
Term Rate* Start investing
1 Year 4.00% Get Rate
15 Month 3.90% Get Rate
2 Year 3.85% Get Rate
27 Month 3.80% Get Rate
3 Year 3.80% Get Rate
4 Year 3.75% Get Rate
5 Year 3.85% Get Rate
FHSA GICs
Term Rate* Start investing
1 Year 4.00% Get Rate
15 Month 3.90% Get Rate
2 Year 3.85% Get Rate
27 Month 3.80% Get Rate
3 Year 3.80% Get Rate
4 Year 3.75% Get Rate
5 Year 3.85% Get Rate
Non-registered
Term Rate* Start investing
1 Year 4.00% Get Rate
15 Month 3.90% Get Rate
2 Year 3.85% Get Rate
27 Month 3.80% Get Rate
3 Year 3.80% Get Rate
4 Year 3.75% Get Rate
5 Year 3.85% Get Rate

Non-registered

Registered GICs

TFSA
RSP
FHSA
TFSA caption
Term Rate* Start investing
3 month 3.55% Get Rate
6 month 3.65% Get Rate
9 month 3.65% Get Rate
RSP caption
Term Rate* Start investing
3 month 3.55% Get Rate
6 month 3.65% Get Rate
9 month 3.65% Get Rate
FHSA caption
Term Rate* Start investing
3 month 3.55% Get Rate
6 month 3.65% Get Rate
9 month 3.65% Get Rate
Non-registered GIC rates
Term Rate* Start investing
3 month 3.55% Get Rate
6 month 3.65% Get Rate
9 month 3.65% Get Rate

Non-registered GICs

Registered GICs

TFSA
RSP
FHSA
TFSA GICs
Term Rate* Start investing
1 Year 4.00% Get Rate
15 Month 3.90% Get Rate
2 Year 3.85% Get Rate
27 Month 3.80% Get Rate
3 Year 3.80% Get Rate
4 Year 3.75% Get Rate
5 Year 3.85% Get Rate
6 Year 3.10% Get Rate
7 Year 3.10% Get Rate
10 Year 3.10% Get Rate
RSP GICs
Term Rate* Start investing
1 Year 4.00% Get Rate
15 Month 3.90% Get Rate
2 Year 3.85% Get Rate
27 Month 3.80% Get Rate
3 Year 3.80% Get Rate
4 Year 3.75% Get Rate
5 Year 3.85% Get Rate
6 Year 3.10% Get Rate
7 Year 3.10% Get Rate
10 Year 3.10% Get Rate
FSHA GICs
Term Rate* Start investing
1 Year 4.00% Get Rate
15 Month 3.90% Get Rate
2 Year 3.85% Get Rate
27 Month 3.80% Get Rate
3 Year 3.80% Get Rate
4 Year 3.75% Get Rate
5 Year 3.85% Get Rate
6 Year 3.10% Get Rate
7 Year 3.10% Get Rate
10 Year 3.10% Get Rate
Non-registered GICs
Term Rate* Start investing
1 Year 4.00% Get Rate
15 Month 3.90% Get Rate
2 Year 3.85% Get Rate
27 Month 3.80% Get Rate
3 Year 3.80% Get Rate
4 Year 3.75% Get Rate
5 Year 3.85% Get Rate
6 Year 3.10% Get Rate
7 Year 3.10% Get Rate
10 Year 3.10% Get Rate

Are our GICs right for you? 

They're right for you if:

  • You’re looking for a guaranteed rate of return on your investment.
  • You’re looking to lock in your funds long-term (i.e., for months or years).
  • You're looking for a completely digital banking experience.

They're not right for you if:

  • You think you may need to access your funds before maturity.
  • You’re looking to purchase a joint GIC.

Want growth so advanced
you don’t even have to think? 

Then invest it, forget it, and earn more without paperwork, long processes or any other banking nonsense. Our GIC options let you lock in any of our amazing rates, so no matter what happens, that rate is yours. We’ve also got a range of term options to help you invest smarter.

Smart features

  • Rates that make your savings go boom

    Say hello to some of the highest guaranteed rates in the industry on our GICs.

  • Registered or non-registered, take your pick

    Want to invest in a non-registered or a tax-advantaged registered GIC? We’ve got you on both fronts. To buy a registered GIC, you’ll need to open a TFSA or RSP Savings Account.

  • Plenty of term options

    You’re the one in charge of your savings, and that includes choosing whether short or long term GICs are right for you (or hey, maybe it’s both).

  • Investments in a safe place

    All deposits in EQ Bank products are eligible for Canada Deposit Insurance Corporation (CDIC) protection†.

  • Low minimum deposit

    We’re not about being restrictive, so you can start investing in GICs with as little as $100. 

  • A GIC in seconds

    As long as you have available funds in your Personal Account, you can literally buy a GIC in seconds. 

Common questions answered

Visit our FAQ for more details about our GICs.

Looking to learn more about GICs?

Get smarter about investing with the help of our handy articles.

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    Read now
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Equitable Bank is a member of CDIC. EQ Bank is a trade name of Equitable Bank.

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