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Länder / 🇨🇦 Canada

Beste GIC-Zinsen in Canada

CAD GIC-Zinsen von 8 Anbietern, täglich direkt von den Websites der Banken gelesen, plus 1 weitere Anbieter zum Prüfen. Sortiert nach Zins; keine bezahlten Rankings.

Zuletzt geprüft 18 Oct 2026, 05:37 UTC · alle 9 Anbieter · high-interest savings account

Bester 3-Monats‑Zinssatz

2.55% p.a.

EQ Bank

Board-Rate · mind. C$100

Bester 6-Monats‑Zinssatz

2.80% p.a.

EQ Bank

Board-Rate · mind. C$100

Bester 12-Monats‑Zinssatz

3.75% p.a.

Oaken Financial

Board-Rate · mind. C$1,000

Bester Zinssatz für eine Einzahlung von C$10,000, offen für alle Kunden. Aktionen können vorzeitig enden; prüfen Sie dies bei der Bank.

Vergleichen Sie GIC-Zinsen

Laufzeit
Zinssatztyp
Optionen

7 Banken mit einem 12‑Monats‑Zinssatz für C$10,000

BankZinssatz p.a.LaufzeitEinlageDetailsLink
Oaken FinancialLong-term GIC (non-registered, annual interest)3.75%≈ C$375 in 12 months12 MonateC$1,000 +Board-Rate
$1,000 minimum; Non-redeemable; Held at Home Bank or Home Trust Company (separate CDIC members)
Zur Bank
EQ BankGIC (non-registered, long term)3.70%≈ C$370 in 12 months12 MonateC$100 – C$100,000Board-Rate
$100 minimum and $100,000 maximum per GIC; Non-redeemable
Zur Bank
TangerineGuaranteed Investment3.60%≈ C$360 in 12 months12 MonateNicht angegebenBoard-Rate
Zur Bank
BMO Bank of MontrealBMO GIC (annual / compounded annually)3.00%≈ C$300 in 12 months12 MonateC$1,000 +Board-Rate
$1,000+ investment; Annual or annual-compound interest
Zur Bank
CIBCCIBC Bonus Rate GIC (posted, non-registered)2.45%≈ C$245 in 12 months12 MonateC$5,000 – C$999,999Board-Rate
Posted rates; promotional rates shown separately on the page may be higher
Zur Bank
RBC Royal BankGuaranteed-Return GIC (non-registered)2.45%≈ C$245 in 12 months12 MonateNicht angegebenBoard-Rate
Interest paid at maturity, semi-annually, annually or compounded annually; Non-redeemable
Zur Bank
ScotiabankLong-term Non-Redeemable GIC2.45%≈ C$245 in 12 months12 MonateC$500 +Board-Rate
Non-registered minimum $500 (annual/semi-annual); Compounded annually
Zur Bank

"Frische Mittel" bedeutet Geld, das von einer anderen Bank eingebracht wird. Board‑Zinssätze sind feste Zinssätze; Aktionen sind zeitlich befristet. Wie wir Zinssätze sammeln und prüfen.

How is this list ordered?

By rate, highest first, for the amount and term you chose. Where a bank publishes its own blended effective rate we use that. Each bank appears once with its best matching offer unless you tick "Show every rate". Banks cannot pay to change the order.

Plan your deposit

Best rate by term

1 months: 2.15% at RBC Royal Bank2.15%1-Monat2 months: 2.35% at RBC Royal Bank2.35%2-Monat3 months: 2.55% at EQ Bank2.55%3-Monat4 months: 2.40% at RBC Royal Bank2.40%4-Monat6 months: 2.80% at EQ Bank2.80%6-Monat9 months: 3.25% at EQ Bank3.25%9-Monat12 months: 3.75% at Oaken Financial3.75%12-Monat18 months: 3.80% at Oaken Financial3.80%18-Monat24 months: 4.20% at Oaken Financial4.20%24-Monat36 months: 4.30% at Oaken Financial4.30%36-Monat

Best rate open to any customer for C$10,000 at each term, from today's verified offers. Hover a point for the bank.

Erhalte eine E‑Mail, wenn die Zinsen steigen

Doppeltes Opt-in: Bestätige zuerst per E‑Mail. Eine E‑Mail, wenn der beste Zinssatz für deine Laufzeit und deinen Betrag steigt. Mit einem Klick abmelden.

Offizielle Benchmarks

Bank of Canada target for the overnight rate (policy rate) 2026-10-152.25%
Government of Canada 3-month Treasury bill yield (weekly, Bank of Canada) 2026-10-142.38%

Quelle: bankofcanada.ca, bankofcanada.ca. Als Referenzpunkt angezeigt, nicht als Empfehlung.

Einlagensicherung: CDIC

LimitC$100,000

CDIC insures eligible deposits at member institutions up to $100,000 (principal and interest) in each of several separate coverage categories. Quelle, geprüft 2026-10-18.

Where does your money earn most in Canada?

Best 12-month GIC (Oaken Financial)3.75%
Best savings account (Simplii Financial)1.00%
Bank of Canada target for the overnight rate (policy rate)2.25%

Best 12-month deposit and best savings rate open to any customer, next to the official benchmark. Savings rates are variable and often conditional.

Mehr GIC-Anbieter in Canada

Wir listen diese Anbieter, lesen ihre Zinsen aber noch nicht automatisch aus, daher zeigen wir für sie nie einen konkreten Wert an. Prüfen Sie den Zinssatz auf der Seite der Bank. Know a bank we should read? Suggest it.

Questions about deposits in Canada

What is the best 12-month GIC rate in Canada today?

3.75% p.a. at Oaken Financial (minimum deposit: C$1,000), read from the bank's website at 18 Oct 2026, 05:37 UTC. Promotions change often, so confirm with the bank before you deposit.

What is the best 6-month GIC rate in Canada today?

2.80% p.a. at EQ Bank (minimum deposit: C$100), read from the bank's website at 18 Oct 2026, 05:37 UTC. Promotions change often, so confirm with the bank before you deposit.

Are GICs in Canada protected?

CDIC insures eligible deposits at member institutions up to $100,000 (principal and interest) in each of several separate coverage categories.

How many banks do you compare in Canada?

We list 9 providers. Rates for 8 of them are read automatically from their own websites every day; for the rest we link to the bank's official rate page and never show a number we have not read.

How do GIC rates compare with the Bank of Canada target for the overnight rate (policy rate)?

The Bank of Canada target for the overnight rate (policy rate) is 2.25% (2026-10-15). The best 12-month GIC rate open to any customer today is 3.75%.

Deposit rates in nearby countries

🇺🇸 United States🇧🇷 Brazil🇲🇽 Mexico🇨🇱 Chile

Add this rate table to your website

Copy this code into your page. The table updates daily and links back to each bank's page here.

Missing a bank? Suggest one

Wir sind ein Vergleichsdienst, keine Bank: Wir nehmen keine Einlagen entgegen. Die Zinsen können sich ohne Vorankündigung ändern; prüfen Sie die Angaben bei Ihrer Bank, bevor Sie einzahlen. Keine Finanzberatung.