Tangerine GIC rates

GIC products

• Non-redeemable GIC: 1-year 3.60%, 2-year 3.85%, 3-year 3.95%, 4-year 4.00%, 5-year 4.05%

Rates by term

Term	Rate	Rank	Best rate we track	$10,000 at maturity
1-year	3.60%	#4 of 14	4.05% (WealthONE Bank)	$10,360
2-year	3.85%	#4 of 14	4.30% (WealthONE Bank)	$10,785
3-year	3.95%	#4 of 13	4.40% (WealthONE Bank)	$11,232
4-year	4.00%	#4 of 13	4.45% (WealthONE Bank)	$11,699
5-year	4.05%	#6 of 15	4.55% (WealthONE Bank)	$12,196

Compared with the big five banks

• 1-year: 0.82 points above the big five banks' average (2.78%)
• 2-year: 0.92 points above the big five banks' average (2.93%)
• 3-year: 0.94 points above the big five banks' average (3.01%)
• 4-year: 0.90 points above the big five banks' average (3.10%)
• 5-year: 0.81 points above the big five banks' average (3.24%)

At a glance

Deposit protection: CDIC. Deposits held by Tangerine Bank.

Non-registered. Interest compounded or paid annually for terms of 1 year or more. Also 90, 180 and 270 days and 18 months (3.75%).

Source: https://www.tangerine.ca/en/rates/gic-rates (checked 2026-11-11).

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