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国家 / 🇨🇦 Canada

在 Canada 的最佳 GIC 利率

来自 8 家供应商的 CAD GIC 利率，每日直接从各银行网站读取，另有 1 家供应商待检查。按利率排序；无付费排名。

上次检查 18 Oct 2026, 05:37 UTC · 全部 9 家供应商 · high-interest savings account

最佳 3 个月利率

2.55% 年利率

EQ Bank

基准利率 · 最低 C$100

最佳 6 个月利率

2.80% 年利率

EQ Bank

基准利率 · 最低 C$100

最佳 12 个月利率

3.75% 年利率

Oaken Financial

基准利率 · 最低 C$1,000

针对 C$10,000 存款的最佳利率，向所有客户开放。促销可能提前结束，请向银行确认。

比较 GIC 利率

期限
利率类型
选项

7 家银行提供 C$10,000 的12个月利率

银行年利率期限存款详情链接
Oaken FinancialLong-term GIC (non-registered, annual interest)3.75%≈ C$375 (12 个月)12 个月C$1,000 +基准利率
$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 (12 个月)12 个月C$100 – C$100,000基准利率
$100 minimum and $100,000 maximum per GIC; Non-redeemable
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TangerineGuaranteed Investment3.60%≈ C$360 (12 个月)12 个月未说明基准利率
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BMO Bank of MontrealBMO GIC (annual / compounded annually)3.00%≈ C$300 (12 个月)12 个月C$1,000 +基准利率
$1,000+ investment; Annual or annual-compound interest
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CIBCCIBC Bonus Rate GIC (posted, non-registered)2.45%≈ C$245 (12 个月)12 个月C$5,000 – C$999,999基准利率
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 (12 个月)12 个月未说明基准利率
Interest paid at maturity, semi-annually, annually or compounded annually; Non-redeemable
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ScotiabankLong-term Non-Redeemable GIC2.45%≈ C$245 (12 个月)12 个月C$500 +基准利率
Non-registered minimum $500 (annual/semi-annual); Compounded annually
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"Fresh funds" 指的是从其他银行转入的资金。Board rates 是基准利率；promos 是限时优惠。 我们如何收集并核查利率.

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 个月2 months: 2.35% at RBC Royal Bank2.35%2 个月3 months: 2.55% at EQ Bank2.55%3 个月4 months: 2.40% at RBC Royal Bank2.40%4 个月6 months: 2.80% at EQ Bank2.80%6 个月9 months: 3.25% at EQ Bank3.25%9 个月12 months: 3.75% at Oaken Financial3.75%12 个月18 months: 3.80% at Oaken Financial3.80%18 个月24 months: 4.20% at Oaken Financial4.20%24 个月36 months: 4.30% at Oaken Financial4.30%36 个月

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

利率上升时发送邮件给我

双重确认：先通过邮件确认。当您的期限和金额的最佳利率上升时发送一封邮件。点击一次即可退订。

官方基准

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%

来源：bankofcanada.ca, bankofcanada.ca。仅作参考，不构成推荐。

存款保障：CDIC

限额C$100,000

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

更多 GIC 提供商在 Canada

我们列出这些提供商，但尚未自动读取它们的利率，因此我们从不显示具体数字。请在银行官网查看利率。 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

我们是比较服务平台，而非银行：我们不接受存款。利率可能随时变动；请在存款前向银行确认。此信息不构成理财建议。