Guaranteed Investment Certificates Make bank, guaranteed. Lock in up to 4.10%^*.

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Don’t miss our featured GIC rates

Non-registered1 Year

4.00%^*

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Registered 9 Months

4.10%^*

Get this rate

How much growth are we really talking about?

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

How much do you want to invest? Amount

GIC term GIC Terms

How do you want your interest paid out?

Interest is paid at maturity Interest is calculated on a per annum basis and compounded annually

Interest is paid annually Simple interest is calculated on a per annum basis

Simple interest is calculated on a per annum basis

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GIC term

Estimated earned interest

Browse rates and terms to find the right GIC

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

Most popular GIC terms (1 to 5 years)

TFSA

RSP

FHSA

TFSA GICs
Term	Rate^*	Start investing
1 Year	4.00%	Get Rate
15 Month	3.90%	Get Rate
2 Year	3.70%	Get Rate
27 Month	3.65%	Get Rate
3 Year	3.60%	Get Rate
4 Year	3.55%	Get Rate
5 Year	3.55%	Get Rate

RSP GICs
Term	Rate^*	Start investing
1 Year	4.00%	Get Rate
15 Month	3.90%	Get Rate
2 Year	3.70%	Get Rate
27 Month	3.65%	Get Rate
3 Year	3.60%	Get Rate
4 Year	3.55%	Get Rate
5 Year	3.55%	Get Rate

FHSA GICs
Term	Rate^*	Start investing
1 Year	4.00%	Get Rate
15 Month	3.90%	Get Rate
2 Year	3.70%	Get Rate
27 Month	3.65%	Get Rate
3 Year	3.60%	Get Rate
4 Year	3.55%	Get Rate
5 Year	3.55%	Get Rate

Non-registered
Term	Rate^*	Start investing
1 Year	4.00%	Get Rate
15 Month	3.90%	Get Rate
2 Year	3.70%	Get Rate
27 Month	3.65%	Get Rate
3 Year	3.60%	Get Rate
4 Year	3.55%	Get Rate
5 Year	3.55%	Get Rate

Short term GICs (less than 1 year)

TFSA

RSP

FHSA

TFSA caption
Term	Rate^*	Start investing
3 month	3.55%	Get Rate
6 month	4.10%	Get Rate
9 month	4.10%	Get Rate

RSP caption
Term	Rate^*	Start investing
3 month	3.55%	Get Rate
6 month	4.10%	Get Rate
9 month	4.10%	Get Rate

FHSA caption
Term	Rate^*	Start investing
3 month	3.55%	Get Rate
6 month	4.10%	Get Rate
9 month	4.10%	Get Rate

Non-registered GIC rates
Term	Rate^*	Start investing
3 month	3.55%	Get Rate
6 month	4.10%	Get Rate
9 month	4.10%	Get Rate

Long term GICs (1 year or more)

TFSA

RSP

FHSA

TFSA GICs
Term	Rate^*	Start investing
1 Year	4.00%	Get Rate
15 Month	3.90%	Get Rate
2 Year	3.70%	Get Rate
27 Month	3.65%	Get Rate
3 Year	3.60%	Get Rate
4 Year	3.55%	Get Rate
5 Year	3.55%	Get Rate
6 Year	3.30%	Get Rate
7 Year	3.30%	Get Rate
10 Year	3.30%	Get Rate

RSP GICs
Term	Rate^*	Start investing
1 Year	4.00%	Get Rate
15 Month	3.90%	Get Rate
2 Year	3.70%	Get Rate
27 Month	3.65%	Get Rate
3 Year	3.60%	Get Rate
4 Year	3.55%	Get Rate
5 Year	3.55%	Get Rate
6 Year	3.30%	Get Rate
7 Year	3.30%	Get Rate
10 Year	3.30%	Get Rate

FSHA GICs
Term	Rate^*	Start investing
1 Year	4.00%	Get Rate
15 Month	3.90%	Get Rate
2 Year	3.70%	Get Rate
27 Month	3.65%	Get Rate
3 Year	3.60%	Get Rate
4 Year	3.55%	Get Rate
5 Year	3.55%	Get Rate
6 Year	3.30%	Get Rate
7 Year	3.30%	Get Rate
10 Year	3.30%	Get Rate

Non-registered GICs
Term	Rate^*	Start investing
1 Year	4.00%	Get Rate
15 Month	3.90%	Get Rate
2 Year	3.70%	Get Rate
27 Month	3.65%	Get Rate
3 Year	3.60%	Get Rate
4 Year	3.55%	Get Rate
5 Year	3.55%	Get Rate
6 Year	3.30%	Get Rate
7 Year	3.30%	Get Rate
10 Year	3.30%	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.

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

Can I redeem GICs before they mature?

How many GICs can I buy?

What happens when my GIC matures?

Is the interest earned from my GIC taxed?

Will I get a physical certificate for my GIC purchase?

Are GICs available in Quebec?

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.

Investing

How GICs fit into your investment strategy

Read now
Everyday Banking

Spring cleaning your finances

Read now
Everyday Banking

3 ways to reduce financial stress

Read now

Footnotes

Footnote *: EQ Bank GICs are non-redeemable. For GIC terms of less than one year, simple interest is calculated on a per diem basis and paid at maturity. For GIC terms equal to one year, simple interest is calculated on a per annum basis and paid at maturity. For GIC terms of over one year, not including 15 and 27 month terms, interest is calculated on a per annum basis and paid either annually (simple interest) or at maturity (compounded annually). For GIC terms of 15 and 27 months, interest is calculated on a per annum basis, compounded annually and paid solely at maturity. In all cases, interest is accrued for the entire GIC term. Maximum 20 GICs per customer. Per GIC investment limit of $100,000. Aggregate GIC investment limit of $500,000. Rates are calculated on a per annum basis and are subject to change at any time.

^{Return to footnote * referrer}
Footnote †: Equitable Bank is a member of CDIC. EQ Bank is a trade name of Equitable Bank.

^{Return to footnote † referrer}
Footnote: EQ Bank does not offer the following products in the province of Quebec: US Dollar Account, International Money Transfers, RSP Savings Accounts, RSP GICs, FHSA Savings Account, FHSA GICs, Business Account, Business GICs, and Notice Savings Account. Additionally, the EQ to EQ transfers feature is not available in Quebec.

^{Return to footnote referrer}

Guaranteed Investment Certificates Make bank, guaranteed. Lock in up to 4.10%*.

Don’t miss our featured GIC rates

Non-registered1 Year

Registered 9 Months

How much growth are we really talking about?

Browse rates and terms to find the right GIC

Most popular GIC terms (1 to 5 years)

Non-registered

Registered GICs

TFSA

RSP

FHSA

Short term GICs (less than 1 year)

Non-registered

Registered GICs

TFSA

RSP

FHSA

Long term GICs (1 year or more)

Non-registered GICs

Registered GICs

TFSA

RSP

FHSA

Are our GICs right for you?

They're right for you if:

They're not right for you if:

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

Smart features

Rates that make your savings go boom

Registered or non-registered, take your pick

Plenty of term options

Investments in a safe place

Low minimum deposit

A GIC in seconds

Common questions answered

Can I redeem GICs before they mature?

How many GICs can I buy?

What happens when my GIC matures?

Is the interest earned from my GIC taxed?

Will I get a physical certificate for my GIC purchase?

Are GICs available in Quebec?

Looking to learn more about GICs?

How GICs fit into your investment strategy

Spring cleaning your finances

3 ways to reduce financial stress

To fund your high interest GIC, you’ll need to open a Personal Account first.

Guaranteed Investment Certificates Make bank, guaranteed. Lock in up to 4.10%^*.

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