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Negara / 🇨🇦 Canada / 12-month

Best 12-month GIC rates in Canada

Best 12-month rate per provider for a C$10,000 deposit, open to any customer, read from each bank's website. Last checked 18 Oct 2026, 05:37 UTC.

3-month6-month All tenures and amounts

BankRate p.a.TenureDepositDetailsLink
Oaken FinancialLong-term GIC (non-registered, annual interest)3.75%≈ C$375 in 12 months12 monthsC$1,000 +Board rate
$1,000 minimum; Non-redeemable; Held at Home Bank or Home Trust Company (separate CDIC members)
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EQ BankGIC (non-registered, long term)3.70%≈ C$370 in 12 months12 monthsC$100 – C$100,000Board rate
$100 minimum and $100,000 maximum per GIC; Non-redeemable
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TangerineGuaranteed Investment3.60%≈ C$360 in 12 months12 monthsNot statedBoard rate
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BMO Bank of MontrealBMO GIC (annual / compounded annually)3.00%≈ C$300 in 12 months12 monthsC$1,000 +Board rate
$1,000+ investment; Annual or annual-compound interest
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CIBCCIBC Bonus Rate GIC (posted, non-registered)2.45%≈ C$245 in 12 months12 monthsC$5,000 – C$999,999Board rate
Posted rates; promotional rates shown separately on the page may be higher
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RBC Royal BankGuaranteed-Return GIC (non-registered)2.45%≈ C$245 in 12 months12 monthsNot statedBoard rate
Interest paid at maturity, semi-annually, annually or compounded annually; Non-redeemable
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ScotiabankLong-term Non-Redeemable GIC2.45%≈ C$245 in 12 months12 monthsC$500 +Board rate
Non-registered minimum $500 (annual/semi-annual); Compounded annually
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Deposit protection: 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. Source, checked 2026-10-18.

We're a comparison service, not a bank: we don't take deposits. Rates change without notice; verify with the bank before you deposit. Not financial advice.