Best Canadian Deposit Rates
Rates last updated: November 7, 2026
High Interest Savings
1-Month GIC
2-Month GIC
3-Month GIC
4-Month GIC
6-Month GIC
9-Month GIC
1-Year GIC
1.5-Year GIC
2-Year GIC
3-Year GIC
4-Year GIC
5-Year GIC
1-Month GIC
2-Month GIC
3-Month GIC
6-Month GIC
9-Month GIC
1-Year GIC
1.5-Year GIC
2-Year GIC
3-Year GIC
4-Year GIC
5-Year GIC
Frequently Asked Questions: Canadian Deposit Rates
What is the best HISA rate in Canada right now?
As of Nov 7, 2026, the highest HISA rate AdvaEqs tracks is 3.00% from Saven Financial. HISA rates in Canada are typically offered by online banks and credit unions. Every institution listed is insured by CDIC or a provincial deposit insurer.
Are Canadian HISA and GIC deposits insured?
Yes. Deposits at CDIC member institutions are insured up to $100,000 per depositor per category. Provincial credit unions are covered by provincial insurers such as FSRA (Ontario) or DICO. Every institution in our comparison table shows which insurer covers its deposits.
What is the difference between a HISA and a GIC?
A High Interest Savings Account (HISA) gives you full liquidity (deposit and withdraw any time) while earning more than a standard savings account. A Guaranteed Investment Certificate (GIC) locks your money for a fixed term (1 month to 5 years) and pays a guaranteed, typically higher rate in exchange for that commitment.
What is a notice savings account (NSA)?
A notice savings account (NSA) requires advance notice before withdrawals, usually 10 or 30 days. NSAs often pay more than standard HISAs, and the notice period keeps the money more accessible than a GIC, which locks it for a fixed term.
Which institutions offer the best GIC rates in Canada?
As of Nov 7, 2026, the highest 1-year GIC rate AdvaEqs tracks is 4.25% from Haventree Bank. Online banks and credit unions consistently offer the most competitive GIC rates in Canada, and AdvaEqs compares every term side by side.
Still deciding between locking in a rate or staying liquid? Read our guide: GIC vs high interest savings account: which is better?
Rates by Institution
See every GIC term and savings rate for a single institution, compared against the best rate in Canada.
- Achieva Financial GIC Rates
- Alterna Bank GIC Rates
- ATB Financial GIC Rates
- Beem Credit Union GIC Rates
- BMO GIC Rates
- Scotiabank GIC Rates
- CIBC GIC Rates
- Canadian Tire Bank GIC Rates
- DUCA Credit Union GIC Rates
- EQ Bank GIC Rates
- FirstOntario Credit Union GIC Rates
- Hubert Financial GIC Rates
- Haventree Bank GIC Rates
- ICICI Bank Canada GIC Rates
- Kindred Credit Union GIC Rates
- Kawartha Financial Services GIC Rates
- Libro Credit Union GIC Rates
- Meridian Credit Union GIC Rates
- Manulife Bank GIC Rates
- National Bank of Canada GIC Rates
- Northern Birch Credit Union GIC Rates
- Northern Credit Union GIC Rates
- Oaken Financial GIC Rates
- Outlook Financial GIC Rates
- Prospera Credit Union GIC Rates
- Peoples Trust GIC Rates
- Pathwise Credit Union GIC Rates
- RBC GIC Rates
- Saven Financial GIC Rates
- Steinbach Credit Union GIC Rates
- Servus Credit Union GIC Rates
- Simplii Financial GIC Rates
- TD GIC Rates
- Tangerine GIC Rates
- Tru Cooperative Bank GIC Rates
- WFCU Credit Union GIC Rates
- WealthONE Bank GIC Rates
- Your Neighbourhood Credit Union GIC Rates
Learn more
Disclaimer: Rates may not be accurate and may change without notice. Always verify current terms directly with the financial institution before making any decisions.
How we collect rates: We regularly collect rates from publicly available information published by financial institutions, with automated checks and periodic spot checks for accuracy.