Haventree Bank GIC Rates (September 2026)
Haventree Bank is a new player in Canada’s GIC marketplace. Formerly a dedicated alternative mortgage lender, Haventree started offering bank accounts and GICs in July 2026.
Haventree Bank GIC rates
Haventree’s GICs are:
Non-redeemable. Outside an initial 24-hour grace period, investments are locked up until maturity unless the GIC’s owner dies.
Of standard duration. Terms range from three months to five years.
Accessible. The minimum deposit is $100.
Rates available, as of September 11, 2026:
Rate | Term |
|---|---|
2.60% | 3 months |
2.75% | 6 months |
3.10% | 9 months |
3.80% | 1 year |
4.20% | 2 years |
4.15% | 3 years |
4.15% | 4 years |
4.35% | 5 years |
| Account | NerdWallet rating | Interest rate | Apply Now |
|---|---|---|---|
| Haventree Bank 1 Year GIC | APPLY NOW on Haventree Bank's website | ||
 APPLY NOW on Haventree Bank's website | 4.7/5 | 3.80% | |
| Haventree Bank 2 Year GIC | APPLY NOW on Haventree Bank's website | ||
APPLY NOW on Haventree Bank's website | 4.7/5 | 4.20% | |
| Haventree Bank 3 Year GIC | APPLY NOW on Haventree Bank's website | ||
APPLY NOW on Haventree Bank's website | 4.7/5 | 4.15% | |
| Haventree Bank 4 Year GIC | APPLY NOW on Haventree Bank's website | ||
APPLY NOW on Haventree Bank's website | 4.7/5 | 4.15% | |
| Haventree Bank 5 Year GIC | APPLY NOW on Haventree Bank's website | ||
APPLY NOW on Haventree Bank's website | 4.7/5 | 4.35% | |
Haventree GIC fast facts
No registered account purchases. Haventree does not currently offer RRSP, TFSA or FHSA GICs.
Standard interest calculation. Interest is based on a fixed annual rate over a 365-day year. For terms longer than a year, interest can be paid or compounded at regular intervals.
Two renewal options. At the end of term, you can automatically renew, or get paid out your principal and interest.
CDIC protection. Haventree’s GICs are insured up to a maximum value of $100,000.
Should you buy a GIC from Haventree Bank?
There aren’t many banks in Canada offering 4% on two-, three- or four-year terms, so some of Haventree’s long-term GICs are quite appealing.
The only sticking point is that they’re non-redeemable. Before purchasing one, you should be reasonably sure that any money you put in won’t be needed mid-term.
That’s less of a concern with redeemable GICs, which you can find elsewhere.
How to buy a Haventree Bank GIC
Before you can purchase a Haventree GIC, you’ll need a Haventree account. To be eligible to open an account, you must:
Be the age of majority in your province or territory.
Be a Canadian resident.
Have a valid Social Insurance Number.
Only pay taxes in Canada.
Have a valid Canadian phone number.
Signing up for an account might take a few minutes. Have your SIN and any documents that might be needed to confirm your identity handy.
Once you’re a client, you should be able to purchase GICs through your bank account either online or through the bank’s app. You can also buy Haventree’s GICs through a deposit broker, but the minimum deposit is $5,000.
Weigh your options
Always compare GIC offers from multiple banks before deciding where to park your money. NerdWallet's roundup of the best GIC rates in Canada can help you do just that.Haventree GIC fast facts
No registered account purchases. Haventree does not currently offer RRSP, TFSA or FHSA GICs.
Standard interest calculation. Interest is based on a fixed annual rate over a 365-day year. For terms longer than a year, interest can be paid or compounded at regular intervals.
Two renewal options. At the end of term, you can automatically renew, or get paid out your principal and interest.
CDIC protection. Haventree’s GICs are insured up to a maximum value of $100,000.
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Siddhi Bagwe