RBC GIC rates

GIC products

• Non-redeemable GIC: 1-year 2.45%, 2-year 2.55%, 3-year 2.55%, 4-year 2.70%, 5-year 2.75%
• Advertised special: 1-year 3.00%, 2-year 3.20%, 5-year 3.55%
• Cashable 1-year GIC: 2.15%

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	2.55%	#13 of 13	4.40% (WealthONE Bank)	$10,785
4-year	2.70%	#12 of 13	4.45% (WealthONE Bank)	$11,125
5-year	3.55%	#11 of 15	4.55% (WealthONE Bank)	$11,906

At a glance

Deposit protection: CDIC. Deposits held by Royal Bank of Canada.

Regular non-redeemable rates (interest annually or compounded annually). RBC also advertises 3.00% (1 year), 3.20% (2 years) and 3.55% (5 years) non-redeemable GICs. Cashable: one-year cashable GIC.

Source: https://www.rbcroyalbank.com/investments/gic-rates.html (checked 2026-11-11, rates effective 2026-11-11).

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