GIC rates · Updated Nov 2, 2026
Meilleurs taux de CPG au Canada
Non-redeemable GIC rates by term. The best rate for each term is highlighted. Want to run your own numbers? Use the GIC calculator.
Taux des CPG vérifiés Mis à jour chaque semaine
1 an3,75 %Oaken Financial
2 ans4,20 %Oaken Financial
3 ans4,30 %Oaken Financial
4 ans4,35 %Oaken Financial
5 ans4,50 %Oaken Financial
| Provider | 1-yr | 2-yr | 3-yr | 4-yr | 5-yr | Cashable 1-yr | Minimum |
|---|---|---|---|---|---|---|---|
| Oaken FinancialSADC | 3,75 % | 4,20 % | 4,30 % | 4,35 % | 4,50 % | 2,25 % | 1 000 $ |
| EQ BankSADC | 3,00 % | 3,25 % | 3,60 % | 3,65 % | 3,85 % | — | 100 $ |
| Achieva FinancialDGCM (Manitoba) | 3,70 % | 4,05 % | 3,90 % | 4,00 % | 4,35 % | — | 1 000 $ |
| Coast CapitalSADC | 3,10 % | 3,40 % | 3,60 % | 3,70 % | 3,80 % | 2,15 % | — |
| BMOSADC | 3,00 % | 3,20 % | 3,30 % | 3,35 % | 3,55 % | — | 1 000 $ |
| Alterna BankSADC | 2,65 % | 2,85 % | 3,10 % | 3,25 % | 3,30 % | — | — |
| Banque ScotiaSADC | 2,45 % | 2,50 % | 2,60 % | 2,70 % | 2,75 % | — | 500 $ |
| CIBCSADC | 2,00 % | 2,00 % | 2,10 % | 2,20 % | 2,20 % | — | — |
What would you have at maturity?
- Oaken Financial · 4,30 %11 346 $
- Achieva Financial · 3,90 %11 216 $
- EQ Bank · 3,60 %11 119 $
- Coast Capital · 3,60 %11 119 $
- BMO · 3,30 %11 023 $
- Alterna Bank · 3,10 %10 959 $
- Banque Scotia · 2,60 %10 800 $
- CIBC · 2,10 %10 643 $
Interest compounded annually and paid at maturity, before tax. Payout options vary by provider.
- Oaken Financial — Non-registered, interest paid annually. Same rates for TFSA and RRSP. (official (in effect since Oct 16, 2026))
- EQ Bank — Non-redeemable, interest at maturity. Available in TFSA, RRSP and FHSA. (official (checked Oct 19, 2026))
- Achieva Financial — Deposits guaranteed in full by the Deposit Guarantee Corporation of Manitoba. (5-year confirmed on achieva.mb.ca (Nov 2, 2026); 1–4 year from CANNEX rate feed (Oct 15, 2026); 2-year confirmed on achieva.mb.ca in October)
- Coast Capital — Federal credit union; CDIC eligible. (official (rates effective Oct 19, 2026))
- BMO — Non-redeemable, interest at maturity. (official BMO GIC rate sheet (as of Nov 1, 2026))
- Alterna Bank — Non-redeemable. (official (checked Oct 19, 2026))
- Banque Scotia — Non-redeemable, interest at maturity. (CANNEX rate feed (Oct 15, 2026))
- CIBC — Posted rates; special offers may be higher in branch. (CANNEX rate feed (Oct 15, 2026))
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