BMO GIC rates

GIC products

• Non-redeemable GIC: 1-year 3.00%, 2-year 3.20%, 3-year 3.30%, 4-year 3.35%, 5-year 3.55%
• Minimum deposit: $1,000

Rates by term

Term	Rate	Rank	Best rate we track	$10,000 at maturity
1-year	3.00%	#9 of 14	4.05% (WealthONE Bank)	$10,300
2-year	3.20%	#9 of 14	4.30% (WealthONE Bank)	$10,650
3-year	3.30%	#8 of 13	4.40% (WealthONE Bank)	$11,023
4-year	3.35%	#9 of 13	4.45% (WealthONE Bank)	$11,409
5-year	3.55%	#11 of 15	4.55% (WealthONE Bank)	$11,906

At a glance

Deposit protection: CDIC. Deposits held by Bank of Montreal.

Non-cashable, $1,000+, interest annually or compounded annually.

Source: https://www.bmo.com/main/personal/investments/gic/gic-rates/ (checked 2026-11-11).

WalletReturn is an independent Canadian comparison site. Values are estimates; confirm current terms with the provider. Commission never changes rankings. Methodology · Advertising disclosure