{"id":7590,"date":"2023-12-29T00:00:00","date_gmt":"2023-12-29T08:00:00","guid":{"rendered":"https:\/\/www.nerdwallet.com\/ca\/?page_id=7590"},"modified":"2025-03-05T16:39:06","modified_gmt":"2025-03-06T00:39:06","slug":"best-gic-rates-in-canada","status":"publish","type":"page","link":"https:\/\/www.nerdwallet.com\/ca\/banking\/best-gic-rates-in-canada","title":{"rendered":"Compare GIC Rates in Canada for 2025: Best 1- to 5-Year GICs"},"content":{"rendered":"\n<div class=\"wp-block-group is-style-disclosure is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"\">Many or all of the products featured here are from <a href=\"https:\/\/www.nerdwallet.com\/ca\/nerdwallet-partners\">our partners<\/a> who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.<\/p>\n<\/div>\n\n\n\n<p class=\"has-text-align-center has-normal-medium-font-size\"><strong><a href=\"#Compare-more-top-GIC-rates\">JUMP AHEAD<\/a> to compare the current highest rates on 1- to 5-year<\/strong> <strong>GICs.<\/strong> <\/p>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"\">The best GIC rates can help you grow your savings in a secure, low-risk way, over a set time period. Interest rates on guaranteed investment certificates vary by term length, redeemability and interest payment options.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Current highest GIC rates in Canada<\/h2>\n\n\n\n<p class=\"\">Our picks for the highest fixed-rate, non-redeemable GIC interest rates as of Mar. 5, 2025, are:<\/p>\n\n\n\n<ul class=\"\">\n<li class=\"\">1-year GIC rate: <strong><strong>3.95%<\/strong><\/strong> (WealthONE Bank of Canada)<\/li>\n\n\n\n<li class=\"\">2-year GIC rate: <strong><strong>3.95%<\/strong><\/strong> (Home Trust, MCAN Wealth, Oaken Financial and WealthONE Bank of Canada)<\/li>\n\n\n\n<li class=\"\">3-year GIC rate: <strong><strong>3.80%<\/strong><\/strong> (WealthONE Bank of Canada)<\/li>\n\n\n\n<li class=\"\">4-year GIC rate:&nbsp;<strong><strong>3.70%<\/strong> <\/strong>(WealthONE Bank of Canada)<\/li>\n\n\n\n<li class=\"\">5-year GIC rate: <strong><strong>3.75%<\/strong> <\/strong>(WealthONE Bank of Canada)<\/li>\n<\/ul>\n\n\n\n<p class=\"\">Use our table to compare <a href=\"#Compare-more-top-GIC-rates\">GIC rates from dozens of Canadian banks<\/a>.<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-layout-1 wp-block-columns-is-layout-flex\" style=\"margin-top:0;margin-bottom:0;padding-top:0;padding-right:var(--wp--preset--spacing--30);padding-bottom:0;padding-left:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-column is-vertically-aligned-center has-lightest-red-background-color has-background is-layout-flow wp-block-column-is-layout-flow\" style=\"font-size:0px\">\n<p class=\"has-text-align-center\"><a href=\"#best-gics-in-canada\">Best GICs in Canada<\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center has-lightest-blue-background-color has-background is-content-justification-left is-layout-constrained wp-container-core-column-layout-2 wp-block-column-is-layout-constrained\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<p class=\"has-text-align-center\"><a href=\"#What-to-know-about-GICs\">What you should know about GICs<\/a><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-layout-2 wp-block-columns-is-layout-flex\" style=\"margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--20);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-column is-vertically-aligned-center has-lightest-green-background-color has-background is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-top:0;padding-bottom:0\">\n<p class=\"has-text-align-center\"><a href=\"#Compare-more-top-GIC-rates\">See top GIC rates for 1- to 5-year terms<\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center has-lightest-yellow-background-color has-background is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-top:0;padding-bottom:0\">\n<p class=\"has-text-align-center\" style=\"padding-top:0;padding-bottom:0\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-short-term-gic-rates\"><\/a><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-short-term-gic-rates\">Explore the best short-term GIC rates<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<details class=\"wp-block-details is-style-with-logo is-layout-flow wp-block-details-is-layout-flow\"><summary>WHY TRUST NERDWALLET<\/summary>\n<ul class=\"is-style-default\">\n<li class=\"\">NerdWallet follows strict <a href=\"https:\/\/www.nerdwallet.com\/ca\/editorial-guidelines\">editorial guidelines<\/a> to remain objective in our evaluations and ensure accuracy for our readers. Evaluations are based on a proprietary formula that factors in the overall value and benefits of each GIC.<\/li>\n\n\n\n<li class=\"\">More than 40 financial institutions, including traditional banks, credit unions and online banks are <a href=\"https:\/\/www.nerdwallet.com\/ca\/financial-product-evaluation-methology\">evaluated<\/a> by our banking specialists.<\/li>\n\n\n\n<li class=\"\">Over 280 currently available fixed-rate, non-registered and non-redeemable GICs are examined to determine their eligibility for our roundup.<\/li>\n<\/ul>\n<\/details>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--20)\">\n<hr class=\"wp-block-separator has-text-color has-green-color has-alpha-channel-opacity has-green-background-color has-background is-style-default\" \/>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"best-gics-in-canada\" style=\"font-size:45px;text-transform:uppercase\">The best GICs in Canada<\/h2>\n\n\n\n<div class=\"c-keto-product-card-filter c-block-product-card-sort-filter\">\n\t<div class=\"c-keto-product-card-filter__sentence\">\n\t\t\t\t\t<div class=\"c-keto-product-card-filter__sentence-filter\">\n\t\t\t\t<label for=\"product-card-filter\">The best GICs for<\/label>\n\t\t\t\t<div class=\"c-keto-product-card-filter__select-wrapper\">\n\t\t\t\t\t<select\n\t\t\t\t\t\tname=\"product-card-filter\"\n\t\t\t\t\t\tid=\"product-card-category-filter\"\n\t\t\t\t\t\tclass=\"c-keto-product-card-filter__select c-keto-product-card-filter__select-category\"\n\t\t\t\t\t\tdata-nw-product-card-filter=\"true\"\n\t\t\t\t\t\tdata-nw-category-type=\"offer_category\"\n\t\t\t\t\t\taria-label=\"The best GICs for\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<option value=\"\">&#8212; All &#8212;<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"1-year\">\n\t\t\t\t\t\t\t\t1 year\t\t\t\t\t\t\t<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"2-year\">\n\t\t\t\t\t\t\t\t2 years\t\t\t\t\t\t\t<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"3-year\">\n\t\t\t\t\t\t\t\t3 years\t\t\t\t\t\t\t<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"4-year\">\n\t\t\t\t\t\t\t\t4 years\t\t\t\t\t\t\t<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"5-year\">\n\t\t\t\t\t\t\t\t5 years\t\t\t\t\t\t\t<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<\/select>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t<div class=\"c-keto-product-card-filter__wrapper\">\n\t\t<section\n\t\t\tclass=\"c-block-product-card c-keto-product-cards__wrapper c-keto-product-cards-list__wrapper container\"><\/section>\n\t\t<a class=\"js-scroll-to\" href=\"#js-page-top\">Back to Top<\/a>\n\t<\/div>\n<\/div>\n\n\n\n<div id=\"js-page-top\">\n\t<section class=\"c-block-product-card-list c-keto-product-cards-list__wrapper c-keto-product-cards-list__page-top container\" id=\"best-1-year-gic-rates\">\n\t\t\n\t\t\t\t\t<h3 class=\"c-keto-product-cards-list__title\">\n\t\t\t\t1-year GICs\t\t\t<\/h3>\n\t\t\n\t\t\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__7496\" id=\"wealthone-bank-of-canada-1-year-gic\" data-nw-product-category-bank-accounts=\"true\" data-nw-product-category-gics=\"true\" data-nw-offer-category-1-year=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t<h3 class=\"c-keto-product-card__title\">WealthONE Bank of Canada 1 Year GIC<\/h3>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"73\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/wealthone-460x73.png\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"WealthONE Bank of Canada 1 Year GIC\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/wealthone-460x73.png 460w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/wealthone-375x59.png 375w\" sizes=\"(max-width: 460px) 100vw, 460px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-7461=\"1 Year\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Term Length<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t1 Year\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"3.95%\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t3.95%\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAs of March 5, 2025\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-5971=\"$1,000\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Minimum Deposit<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$1,000\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"N\/A\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tN\/A\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tWhy we like it\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul>\r\n<li>WealthONE Bank of Canada is a Canadian Schedule 1 bank that serves all Canadians including the newcomers. It has two offices in Toronto and Vancouver and offers online banking, a mobile app and competitive interest rates.    \r\n<li>WealthONE Bank\u2019s non-redeemable GICs offer 6-month to 5-year terms and can be included in a registered TFSA, RSP, or RIF as well as in non-registered products.\r\n<\/ul>\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul><li>Non-registered and non-redeemable.<\/li>\n<li>When the term ends and the GIC reaches maturity, WealthONE Bank will pay the principal amount of the GIC plus interest,  according to your disposition of funds instructions. If no maturity instructions have been received by WealthOne,  the proceeds of the matured GIC may be renewed for the same terms and conditions unless WealthONE Bank receives a request to cancel within ten business days from the date of renewal.<\/li>\n<li>Term options range from 6-month to 5-years.<\/li>\n<li>WealthONE GICs are fixed-term GICs that are non-redeemable prior to the Maturity Date.<\/li>\n<li>An Early Redemption fee is $20.00 plus foregone interest. For more information, please check our Account Terms and Conditions for Savings Accounts and GIC Investments.<\/li>\n<li>Can be included in your registered TFSA, RSP, or RIF as well as non-registered products.<\/li>\n<li>Minimum $1,000 investment.<\/li>\n<li>Eligible for Canada Deposit Insurance Corporation (CDIC) Insurance. CDIC limits apply.<\/li><\/ul>\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__51898\" id=\"huberts-happy-savings-1-year-gic\" data-nw-product-category-bank-accounts=\"true\" data-nw-product-category-gics=\"true\" data-nw-offer-category-1-year=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t<h3 class=\"c-keto-product-card__title\">Hubert\u2019s Happy Savings 1 Year GIC<\/h3>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"184\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/12\/Hubert-Financial-Happy-Savings-HISA-460x184.png\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"Hubert\u2019s Happy Savings 1 Year GIC\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/12\/Hubert-Financial-Happy-Savings-HISA-460x184.png 460w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/12\/Hubert-Financial-Happy-Savings-HISA-300x120.png 300w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/12\/Hubert-Financial-Happy-Savings-HISA-768x307.png 768w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/12\/Hubert-Financial-Happy-Savings-HISA-375x150.png 375w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/12\/Hubert-Financial-Happy-Savings-HISA-276x110.png 276w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/12\/Hubert-Financial-Happy-Savings-HISA-100x40.png 100w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/12\/Hubert-Financial-Happy-Savings-HISA-40x16.png 40w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/12\/Hubert-Financial-Happy-Savings-HISA-150x60.png 150w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/12\/Hubert-Financial-Happy-Savings-HISA.png 1000w\" sizes=\"(max-width: 460px) 100vw, 460px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-7461=\"1 Year\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Term Length<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t1 Year\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"3.85%\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t3.85%\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAs of March 5, 2025\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-5971=\"$1,000\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Minimum Deposit<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$1,000\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"N\/A\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tN\/A\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tWhy we like it\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul>\r\n<li>Hubert&#8217;s high-interest savings deposits are available in one to five-year terms.        \r\n<li>Hubert Financial is the online division of Sunova Credit Union and offers a high-interest savings account, term deposits, registered plans, a credit card and VirtualWealth investing.  \r\n<\/ul>\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul><li>One-year terms redeemable quarterly, and two-year to five-year terms non-redeemable.<\/li>\n<li>Interest calculated and compounded annually.<\/li>\n<li>$1,000 minimum balance required.<\/li>\n<li>TFSA, and RRSP and RRIF terms are also available.<\/li>\n<li>Hubert has zero transaction fees \u2014 whether you\u2019re making a deposit, transferring funds, setting up a registered account, or making a withdrawal.<\/li>\n<li>100% guaranteed by the Deposit Guarantee Corporation of Manitoba.<\/li><\/ul>\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__73190\" id=\"maxa-financial-1-year-gic\" data-nw-product-category-gics=\"true\" data-nw-offer-category-1-year=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t<h3 class=\"c-keto-product-card__title\">MAXA Financial 1 Year GIC<\/h3>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"183\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/maxa-financial-460x183.png\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"MAXA Financial 1 Year GIC\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/maxa-financial-460x183.png 460w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/maxa-financial-300x119.png 300w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/maxa-financial-375x149.png 375w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/maxa-financial-276x110.png 276w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/maxa-financial-100x40.png 100w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/maxa-financial-40x16.png 40w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/maxa-financial-150x60.png 150w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/maxa-financial.png 500w\" sizes=\"(max-width: 460px) 100vw, 460px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-7461=\"1 Year\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Term Length<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t1 Year\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"3.85%\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t3.85%\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAs of March 5, 2025\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-5971=\"$500\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Minimum Deposit<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$500\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"N\/A\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tN\/A\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tWhy we like it\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul>\r\n<li>MAXA Financial&#8217;s GICs are available in one to five-year terms and can be included in TFSA, RRSP and RRIF plans. \t\r\n<li>MAXA Financial is an operating division of Westoba Credit Union Ltd. and offers a high-interest savings account, GICs, and TFSA, RRSP and RRIF products.\r\n<\/ul>\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul><li>Minimum deposit of $500.00.<\/li>\n<li>One to five year terms.<\/li>\n<li>TFSA, RRSP and RRIF are also available. <\/li>\n<li>Interest compounded or paid annually to your MAXA High Interest Savings Account.<\/li>\n<li>Account information available online or by phone.<\/li>\n<li>All GICs are non-redeemable prior to maturity.<\/li>\n<li>At maturity, MAXA GICs automatically roll into your MAXA High Interest Savings account. <\/li>\n<li>Guaranteed 100% by Deposit Guarantee Corporation of Manitoba.<\/li><\/ul>\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__54043\" id=\"outlook-financial-1-year-gic\" data-nw-product-category-bank-accounts=\"true\" data-nw-product-category-gics=\"true\" data-nw-offer-category-1-year=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t<h5 class=\"c-keto-product-card__title\">Outlook Financial 1 Year GIC<\/h5>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"321\" height=\"157\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/02\/outlook-financial.png\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"Outlook Financial 1 Year GIC\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/02\/outlook-financial.png 321w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/02\/outlook-financial-300x147.png 300w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/02\/outlook-financial-276x135.png 276w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/02\/outlook-financial-100x49.png 100w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/02\/outlook-financial-40x20.png 40w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/02\/outlook-financial-150x73.png 150w\" sizes=\"(max-width: 321px) 100vw, 321px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-7461=\"1 Year\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Term Length<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t1 Year\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"3.85%\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t3.85%\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAs of March 5, 2025\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-5971=\"$1,000\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Minimum Deposit<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$1,000\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"N\/A\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tN\/A\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tWhy we like it\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul>\r\n<li>Outlook Financial&#8217;s GICs are available in one to five-year terms and can be included in TFSA, RRSP and RRIF plans. \t\r\n<li>Outlook Financial is an online division of Assiniboine Credit Union and offers savings accounts, GICS, TFSAs, Registered Retirement Savings Plans (RRSPs), and Registered Retirement Income Funds (RRIFs).\r\n<\/ul>\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul><li>Choose from a 1 to 5 year term depending on your investment horizon.<\/li>\n<li>Choose to reinvest your compound interest back into your GIC, or pay it annually to your High-Interest Savings Account.<\/li>\n<li>Fixed GICs are eligible for non-registered investments and registered plans.<\/li>\n<li>The minimum deposit for Outlook GICs is $1000.<\/li>\n<li>Not eligible for early redemption and must remain invested until the expiry of the selected term.<\/li>\n<li>GIC interest rates are quoted per annum, with interest calculated and paid on each 12 month anniversary date, and at the maturity date. <\/li>\n<li>Deposits including accrued interest to date of payout are 100% guaranteed without limit by the Deposit Guarantee Corporation of Manitoba (DGCM).<\/li><\/ul>\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\n\n\n\n\t\t<a class=\"js-scroll-to\" href=\"#js-page-top\">Back to Top<\/a>\n\t<\/section>\n<\/div>\n\n\n\n<div id=\"js-page-top\">\n\t<section class=\"c-block-product-card-list c-keto-product-cards-list__wrapper c-keto-product-cards-list__page-top container\" id=\"best-1-year-gic-rates\">\n\t\t\n\t\t\t\t\t<h3 class=\"c-keto-product-cards-list__title\">\n\t\t\t\t2-year GICs\t\t\t<\/h3>\n\t\t\n\t\t\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__57811\" id=\"wealthone-bank-of-canada-2-year-gic\" data-nw-product-category-bank-accounts=\"true\" data-nw-product-category-gics=\"true\" data-nw-offer-category-2-year=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t<h5 class=\"c-keto-product-card__title\">WealthONE Bank of Canada 2 Year GIC<\/h5>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"73\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/wealthone-460x73.png\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"WealthONE Bank of Canada 2 Year GIC\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/wealthone-460x73.png 460w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/wealthone-375x59.png 375w\" sizes=\"(max-width: 460px) 100vw, 460px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-7461=\"2 Years\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Term Length<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t2 Years\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"3.95%\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t3.95%\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAs of March 5, 2025\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-5971=\"$1,000\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Minimum Deposit<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$1,000\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"N\/A\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tN\/A\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tWhy we like it\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul>\r\n<li>WealthONE Bank of Canada is a Canadian Schedule 1 bank that serves all Canadians including the newcomers. It has two offices in Toronto and Vancouver and offers online banking, a mobile app and competitive interest rates.    \r\n<li>WealthONE Bank\u2019s non-redeemable GICs offer 6-month to 5-year terms and can be included in a registered TFSA, RSP, or RIF as well as in non-registered products.\r\n<\/ul>\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul><li>Non-registered and non-redeemable.<\/li>\n<li>When the term ends and the GIC reaches maturity, WealthONE Bank will pay the principal amount of the GIC plus interest,  according to your disposition of funds instructions. If no maturity instructions have been received by WealthOne,  the proceeds of the matured GIC may be renewed for the same terms and conditions unless WealthONE Bank receives a request to cancel within ten business days from the date of renewal.<\/li>\n<li>Term options range from 6-month to 5-years.<\/li>\n<li>WealthONE GICs are fixed-term GICs that are non-redeemable prior to the Maturity Date.<\/li>\n<li>An Early Redemption fee is $20.00 plus foregone interest. For more information, please check our Account Terms and Conditions for Savings Accounts and GIC Investments.<\/li>\n<li>Can be included in your registered TFSA, RSP, or RIF as well as non-registered products.<\/li>\n<li>Minimum $1,000 investment.<\/li>\n<li>Eligible for Canada Deposit Insurance Corporation (CDIC) Insurance. CDIC limits apply.<\/li><\/ul>\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__57804\" id=\"oaken-financial-2-year-gic\" data-nw-product-category-bank-accounts=\"true\" data-nw-product-category-gics=\"true\" data-nw-offer-category-2-year=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t<h5 class=\"c-keto-product-card__title\">Oaken Financial 2 Year GIC<\/h5>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"207\" height=\"131\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/Logo-Oaken-Colour-e1665785697958.png\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"Oaken Financial 2 Year GIC\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/Logo-Oaken-Colour-e1665785697958.png 207w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/Logo-Oaken-Colour-e1665785697958-100x63.png 100w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/Logo-Oaken-Colour-e1665785697958-40x25.png 40w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/Logo-Oaken-Colour-e1665785697958-150x95.png 150w\" sizes=\"(max-width: 207px) 100vw, 207px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-7461=\"2 Years\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Term Length<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t2 Years\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"3.95%\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t3.95%\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAs of January 30, 2025\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-5971=\"$1,000\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Minimum Deposit<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$1,000\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"N\/A\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tN\/A\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tWhy we like it\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul>\r\n<li>Oaken GICs offer choice through competitive rates for a variety of terms and types, such as short-term, long-term and cashable GICs available for both registered and non-registered plans, plus security with CDIC coverage as per applicable limits. \t\r\n<li>Oaken Financial is backed by Home Bank and powered by Home Trust Company and offers a digital app and online banking services for HISAs and GICs.\r\n<\/ul>\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul><li>Non-registered and non-redeemable.<\/li>\n<li>When the term ends, Oaken will follow the instructions you provide on what you want to do with your investment at maturity. This can include redeeming the GIC and depositing the funds into the account of your choice, or automatically renewing the GIC for the same term and at the current interest rate.<\/li>\n<li>Term options range from 30 days to 5 years, and are available as cashable and non-cashable GICs.<\/li>\n<li>All Oaken GICs are eligible for inclusion in government registered accounts, including Registered Savings Plans (RSP), Tax Free Savings Accounts (TFSA) and Retirement Income Funds (RIF).<\/li>\n<li>Oaken GICs offer choice, flexibility and security with non-registered GICs.<\/li>\n<li>Flexible payment schedules. Choose the interest payment schedule that suits your needs best \u2013 whether that\u2019s monthly, semi-annually, annually or at maturity.<\/li>\n<li>Select from two issuers: Home Bank and Home Trust Company, both of which are separate members of CDIC.<\/li>\n<li>Deposit a little or a lot: The minimum deposit is $1,000.<\/li>\n<li>Oaken GICs are eligible for Canada Deposit Insurance Corporation (CDIC) coverage, up to applicable limits.<\/li><\/ul>\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__57808\" id=\"home-trust-bank-2-year-gic\" data-nw-product-category-bank-accounts=\"true\" data-nw-product-category-gics=\"true\" data-nw-offer-category-2-year=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t<h5 class=\"c-keto-product-card__title\">Home Trust Bank 2 Year GIC<\/h5>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"105\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/Home-Trust-460x105.png\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"Home Trust Bank 2 Year GIC\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/Home-Trust-460x105.png 460w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/Home-Trust-300x68.png 300w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/Home-Trust-375x86.png 375w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/Home-Trust-276x63.png 276w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/Home-Trust-100x23.png 100w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/Home-Trust-40x9.png 40w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/Home-Trust-150x34.png 150w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/Home-Trust.png 469w\" sizes=\"(max-width: 460px) 100vw, 460px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-7461=\"2 Years\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Term Length<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t2 Years\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"3.95%\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t3.95%\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAs of January 30, 2025\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-5971=\"$1,000-$5,000\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Minimum Deposit<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$1,000-$5,000\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-info--wrapper js-tooltip-wrapper\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-info--icon js-tooltip-icon\" role=\"img\" aria-label=\"Driver info icon\"><\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-info--content js-tooltip-content\" role=\"dialog\" aria-label=\"More information about Minimum Deposit\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"c-keto-product-card__driver-info--pointer\" role=\"img\" aria-label=\"driver-info-pointer\"><\/span>\n\t\t\t\t\t\t\t\t\t\t\t$5,000 minimum deposit for long-term, non-registered GICs. $1,000 for GICS held in RRSPs and TFSAs, and $10,000 for GICs held in retirement income funds (RIFs).\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"N\/A\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tN\/A\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tWhy we like it\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul>\r\n<li>Home Trust Company is a wholly owned subsidiary of Home Capital Group Inc., a public company traded on the Toronto Stock Exchange under the symbol HCG. Home Trust, and its subsidiary Home Bank, are federally regulated financial institutions. Licensed to conduct business across Canada, Home Trust has offices in Ontario, Alberta, British Columbia, Nova Scotia and Quebec.\r\n<li>Home Trust GICs are fixed-rate deposits that come in short and long-term options. They can be included in retirement savings plans, tax-free savings accounts, and retirement income funds. Most GICs are non-redeemable, but a 1-year cashable GIC is also available. \r\n<\/ul>\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul><li>Non-registered and registered GICs.<\/li>\n<li>Term options include 1-year cashable, short-term deposits (30-59 days to 270-364 days), and long term deposits (1-year to 5-years).<\/li>\n<li>Home Trust Bank provides a range of Guaranteed Investment Certificates (GICs) and a High Interest Savings Account (HISA) for both personal and commercial needs, offering guaranteed returns and competitive rates. In addition, each deposit is available through either Home Trust Company or Home Bank, both of which are separate members of the Canada Deposit Insurance Corporation (CDIC).<\/li><\/ul>\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__62595\" id=\"mcan-wealth-2-year-gic\" data-nw-product-category-bank-accounts=\"true\" data-nw-product-category-gics=\"true\" data-nw-product-category-long-term-gic=\"true\" data-nw-offer-category-2-year=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t<h5 class=\"c-keto-product-card__title\">MCAN Wealth 2 Year GIC<\/h5>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"280\" height=\"180\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/04\/mcan-wealth.png\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"MCAN Wealth 2 Year GIC\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/04\/mcan-wealth.png 280w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/04\/mcan-wealth-276x177.png 276w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/04\/mcan-wealth-100x64.png 100w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/04\/mcan-wealth-40x26.png 40w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/04\/mcan-wealth-150x96.png 150w\" sizes=\"(max-width: 280px) 100vw, 280px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-7461=\"2 Years\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Term Length<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t2 Years\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"3.95%\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t3.95%\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAs of January 30, 2025\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-5971=\"$100\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Minimum Deposit<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$100\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"N\/A\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tN\/A\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tWhy we like it\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__57791\" id=\"huberts-happy-savings-2-year-gic\" data-nw-product-category-bank-accounts=\"true\" data-nw-product-category-gics=\"true\" data-nw-offer-category-2-year=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t<h5 class=\"c-keto-product-card__title\">Hubert\u2019s Happy Savings 2 Year GIC<\/h5>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"184\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/12\/Hubert-Financial-Happy-Savings-HISA-460x184.png\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"Hubert\u2019s Happy Savings 2 Year GIC\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/12\/Hubert-Financial-Happy-Savings-HISA-460x184.png 460w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/12\/Hubert-Financial-Happy-Savings-HISA-300x120.png 300w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/12\/Hubert-Financial-Happy-Savings-HISA-768x307.png 768w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/12\/Hubert-Financial-Happy-Savings-HISA-375x150.png 375w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/12\/Hubert-Financial-Happy-Savings-HISA-276x110.png 276w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/12\/Hubert-Financial-Happy-Savings-HISA-100x40.png 100w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/12\/Hubert-Financial-Happy-Savings-HISA-40x16.png 40w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/12\/Hubert-Financial-Happy-Savings-HISA-150x60.png 150w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/12\/Hubert-Financial-Happy-Savings-HISA.png 1000w\" sizes=\"(max-width: 460px) 100vw, 460px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-7461=\"2 Years\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Term Length<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t2 Years\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"3.75%\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t3.75%\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAs of March 5, 2025\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-5971=\"$1,000\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Minimum Deposit<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$1,000\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"N\/A\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tN\/A\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tWhy we like it\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul>\r\n<li>Hubert&#8217;s high-interest savings deposits are available in one to five-year terms.        \r\n<li>Hubert Financial is the online division of Sunova Credit Union and offers a high-interest savings account, term deposits, registered plans, a credit card and VirtualWealth investing.  \r\n<\/ul>\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul><li>One-year terms redeemable quarterly, and two-year to five-year terms non-redeemable.<\/li>\n<li>Interest calculated and compounded annually.<\/li>\n<li>$1,000 minimum balance required.<\/li>\n<li>TFSA, and RRSP and RRIF terms are also available.<\/li>\n<li>Hubert has zero transaction fees \u2014 whether you\u2019re making a deposit, transferring funds, setting up a registered account, or making a withdrawal.<\/li>\n<li>100% guaranteed by the Deposit Guarantee Corporation of Manitoba.<\/li><\/ul>\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__60097\" id=\"maxa-financial-2-year-gic\" data-nw-product-category-gics=\"true\" data-nw-offer-category-2-year=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t<h5 class=\"c-keto-product-card__title\">MAXA Financial 2 Year GIC<\/h5>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"183\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/maxa-financial-460x183.png\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"MAXA Financial 2 Year GIC\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/maxa-financial-460x183.png 460w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/maxa-financial-300x119.png 300w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/maxa-financial-375x149.png 375w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/maxa-financial-276x110.png 276w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/maxa-financial-100x40.png 100w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/maxa-financial-40x16.png 40w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/maxa-financial-150x60.png 150w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/maxa-financial.png 500w\" sizes=\"(max-width: 460px) 100vw, 460px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-7461=\"2 Years\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Term Length<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t2 Years\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"3.70%\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t3.70%\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAs of March 5, 2025\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-5971=\"$500\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Minimum Deposit<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$500\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"N\/A\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tN\/A\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tWhy we like it\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul>\r\n<li>MAXA Financial&#8217;s GICs are available in one to five-year terms and can be included in TFSA, RRSP and RRIF plans. \t\r\n<li>MAXA Financial is an operating division of Westoba Credit Union Ltd. and offers a high-interest savings account, GICs, and TFSA, RRSP and RRIF products.\r\n<\/ul>\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul><li>Minimum deposit of $500.00.<\/li>\n<li>One to five year terms.<\/li>\n<li>TFSA, RRSP and RRIF are also available. <\/li>\n<li>Interest compounded or paid annually to your MAXA High Interest Savings Account.<\/li>\n<li>Account information available online or by phone.<\/li>\n<li>All GICs are non-redeemable prior to maturity.<\/li>\n<li>At maturity, MAXA GICs automatically roll into your MAXA High Interest Savings account. <\/li>\n<li>Guaranteed 100% by Deposit Guarantee Corporation of Manitoba.<\/li><\/ul>\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__57797\" id=\"outlook-financial-2-year-gic\" data-nw-product-category-bank-accounts=\"true\" data-nw-product-category-gics=\"true\" data-nw-offer-category-2-year=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t<h5 class=\"c-keto-product-card__title\">Outlook Financial 2 Year GIC<\/h5>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"321\" height=\"157\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/02\/outlook-financial.png\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"Outlook Financial 2 Year GIC\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/02\/outlook-financial.png 321w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/02\/outlook-financial-300x147.png 300w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/02\/outlook-financial-276x135.png 276w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/02\/outlook-financial-100x49.png 100w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/02\/outlook-financial-40x20.png 40w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/02\/outlook-financial-150x73.png 150w\" sizes=\"(max-width: 321px) 100vw, 321px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-7461=\"2 Years\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Term Length<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t2 Years\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"3.70%\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t3.70%\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAs of March 5, 2025\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-5971=\"$1,000\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Minimum Deposit<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$1,000\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"N\/A\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tN\/A\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tWhy we like it\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul>\r\n<li>Outlook Financial&#8217;s GICs are available in one to five-year terms and can be included in TFSA, RRSP and RRIF plans. \t\r\n<li>Outlook Financial is an online division of Assiniboine Credit Union and offers savings accounts, GICS, TFSAs, Registered Retirement Savings Plans (RRSPs), and Registered Retirement Income Funds (RRIFs).\r\n<\/ul>\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul><li>Choose from a 1 to 5 year term depending on your investment horizon.<\/li>\n<li>Choose to reinvest your compound interest back into your GIC, or pay it annually to your High-Interest Savings Account.<\/li>\n<li>Fixed GICs are eligible for non-registered investments and registered plans.<\/li>\n<li>The minimum deposit for Outlook GICs is $1000.<\/li>\n<li>Not eligible for early redemption and must remain invested until the expiry of the selected term.<\/li>\n<li>GIC interest rates are quoted per annum, with interest calculated and paid on each 12 month anniversary date, and at the maturity date. <\/li>\n<li>Deposits including accrued interest to date of payout are 100% guaranteed without limit by the Deposit Guarantee Corporation of Manitoba (DGCM).<\/li><\/ul>\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\n\n\n\n\t\t<a class=\"js-scroll-to\" href=\"#js-page-top\">Back to Top<\/a>\n\t<\/section>\n<\/div>\n\n\n\n<div id=\"js-page-top\">\n\t<section class=\"c-block-product-card-list c-keto-product-cards-list__wrapper c-keto-product-cards-list__page-top container\" id=\"best-3-year-gic-rates\">\n\t\t\n\t\t\t\t\t<h3 class=\"c-keto-product-cards-list__title\">\n\t\t\t\t3-year GICs\t\t\t<\/h3>\n\t\t\n\t\t\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__7498\" id=\"wealthone-bank-of-canada-3-year-gic\" data-nw-product-category-bank-accounts=\"true\" data-nw-product-category-gics=\"true\" data-nw-offer-category-3-year=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t<h5 class=\"c-keto-product-card__title\">WealthONE Bank of Canada 3 Year GIC<\/h5>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"73\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/wealthone-460x73.png\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"WealthONE Bank of Canada 3 Year GIC\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/wealthone-460x73.png 460w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/wealthone-375x59.png 375w\" sizes=\"(max-width: 460px) 100vw, 460px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-7461=\"3 Years\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Term Length<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t3 Years\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"3.80%\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t3.80%\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAs of March 5, 2025\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-5971=\"$1,000\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Minimum Deposit<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$1,000\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"N\/A\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tN\/A\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tWhy we like it\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul>\r\n<li>WealthONE Bank of Canada is a Canadian Schedule 1 bank that serves all Canadians including the newcomers. It has two offices in Toronto and Vancouver and offers online banking, a mobile app and competitive interest rates.    \r\n<li>WealthONE Bank\u2019s non-redeemable GICs offer 6-month to 5-year terms and can be included in a registered TFSA, RSP, or RIF as well as in non-registered products.\r\n<\/ul>\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul><li>Non-registered and non-redeemable.<\/li>\n<li>When the term ends and the GIC reaches maturity, WealthONE Bank will pay the principal amount of the GIC plus interest,  according to your disposition of funds instructions. If no maturity instructions have been received by WealthOne,  the proceeds of the matured GIC may be renewed for the same terms and conditions unless WealthONE Bank receives a request to cancel within ten business days from the date of renewal.<\/li>\n<li>Term options range from 6-month to 5-years.<\/li>\n<li>WealthONE GICs are fixed-term GICs that are non-redeemable prior to the Maturity Date.<\/li>\n<li>An Early Redemption fee is $20.00 plus foregone interest. For more information, please check our Account Terms and Conditions for Savings Accounts and GIC Investments.<\/li>\n<li>Can be included in your registered TFSA, RSP, or RIF as well as non-registered products.<\/li>\n<li>Minimum $1,000 investment.<\/li>\n<li>Eligible for Canada Deposit Insurance Corporation (CDIC) Insurance. CDIC limits apply.<\/li><\/ul>\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__14213\" id=\"home-trust-3-year-gic\" data-nw-product-category-bank-accounts=\"true\" data-nw-product-category-gics=\"true\" data-nw-offer-category-3-year=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t<h5 class=\"c-keto-product-card__title\">Home Trust 3 Year GIC<\/h5>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"105\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/Home-Trust-460x105.png\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"Home Trust 3 Year GIC\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/Home-Trust-460x105.png 460w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/Home-Trust-300x68.png 300w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/Home-Trust-375x86.png 375w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/Home-Trust-276x63.png 276w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/Home-Trust-100x23.png 100w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/Home-Trust-40x9.png 40w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/Home-Trust-150x34.png 150w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/Home-Trust.png 469w\" sizes=\"(max-width: 460px) 100vw, 460px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-7461=\"3 Years\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Term Length<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t3 Years\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"3.65%\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t3.65%\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAs of January 30, 2025\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-5971=\"$1,000-$5,000\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Minimum Deposit<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$1,000-$5,000\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-info--wrapper js-tooltip-wrapper\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-info--icon js-tooltip-icon\" role=\"img\" aria-label=\"Driver info icon\"><\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-info--content js-tooltip-content\" role=\"dialog\" aria-label=\"More information about Minimum Deposit\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"c-keto-product-card__driver-info--pointer\" role=\"img\" aria-label=\"driver-info-pointer\"><\/span>\n\t\t\t\t\t\t\t\t\t\t\t$5,000 minimum deposit for long-term, non-registered GICs. $1,000 for GICS held in RRSPs and TFSAs, and $10,000 for GICs held in retirement income funds (RIFs).\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"N\/A\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tN\/A\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tWhy we like it\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul>\r\n<li>Home Trust Company is a wholly owned subsidiary of Home Capital Group Inc., a public company traded on the Toronto Stock Exchange under the symbol HCG. Home Trust, and its subsidiary Home Bank, are federally regulated financial institutions. Licensed to conduct business across Canada, Home Trust has offices in Ontario, Alberta, British Columbia, Nova Scotia and Quebec.\r\n<li>Home Trust GICs are fixed-rate deposits that come in short and long-term options. They can be included in retirement savings plans, tax-free savings accounts, and retirement income funds. Most GICs are non-redeemable, but a 1-year cashable GIC is also available. \r\n<\/ul>\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul><li>Non-registered and registered GICs.<\/li>\n<li>Term options include 1-year cashable, short-term deposits (30-59 days to 270-364 days), and long term deposits (1-year to 5-years).<\/li>\n<li>Home Trust Bank provides a range of Guaranteed Investment Certificates (GICs) and a High Interest Savings Account (HISA) for both personal and commercial needs, offering guaranteed returns and competitive rates. In addition, each deposit is available through either Home Trust Company or Home Bank, both of which are separate members of the Canada Deposit Insurance Corporation (CDIC).<\/li><\/ul>\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__62597\" id=\"mcan-wealth-3-year-gic\" data-nw-product-category-bank-accounts=\"true\" data-nw-product-category-gics=\"true\" data-nw-product-category-long-term-gic=\"true\" data-nw-offer-category-3-year=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t<h5 class=\"c-keto-product-card__title\">MCAN Wealth 3 Year GIC<\/h5>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"280\" height=\"180\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/04\/mcan-wealth.png\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"MCAN Wealth 3 Year GIC\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/04\/mcan-wealth.png 280w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/04\/mcan-wealth-276x177.png 276w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/04\/mcan-wealth-100x64.png 100w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/04\/mcan-wealth-40x26.png 40w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/04\/mcan-wealth-150x96.png 150w\" sizes=\"(max-width: 280px) 100vw, 280px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-7461=\"3 Years\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Term Length<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t3 Years\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"3.65%\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t3.65%\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAs of January 30, 2025\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-5971=\"$100\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Minimum Deposit<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$100\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"N\/A\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tN\/A\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tWhy we like it\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__7504\" id=\"oaken-financial-3-year-gic\" data-nw-product-category-bank-accounts=\"true\" data-nw-product-category-gics=\"true\" data-nw-offer-category-3-year=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t<h5 class=\"c-keto-product-card__title\">Oaken Financial 3 Year GIC<\/h5>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"207\" height=\"131\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/Logo-Oaken-Colour-e1665785697958.png\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"Oaken Financial 3 Year GIC\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/Logo-Oaken-Colour-e1665785697958.png 207w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/Logo-Oaken-Colour-e1665785697958-100x63.png 100w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/Logo-Oaken-Colour-e1665785697958-40x25.png 40w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/Logo-Oaken-Colour-e1665785697958-150x95.png 150w\" sizes=\"(max-width: 207px) 100vw, 207px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-7461=\"3 Years\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Term Length<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t3 Years\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"3.65%\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t3.65%\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAs of January 30, 2025\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-5971=\"$1,000\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Minimum Deposit<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$1,000\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"N\/A\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tN\/A\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tWhy we like it\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul>\r\n<li>Oaken GICs offer choice through competitive rates for a variety of terms and types, such as short-term, long-term and cashable GICs available for both registered and non-registered plans, plus security with CDIC coverage as per applicable limits. \t\r\n<li>Oaken Financial is backed by Home Bank and powered by Home Trust Company and offers a digital app and online banking services for HISAs and GICs.\r\n<\/ul>\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul><li>Non-registered and non-redeemable.<\/li>\n<li>When the term ends, Oaken will follow the instructions you provide on what you want to do with your investment at maturity. This can include redeeming the GIC and depositing the funds into the account of your choice, or automatically renewing the GIC for the same term and at the current interest rate.<\/li>\n<li>Term options range from 30 days to 5 years, and are available as cashable and non-cashable GICs.<\/li>\n<li>All Oaken GICs are eligible for inclusion in government registered accounts, including Registered Savings Plans (RSP), Tax Free Savings Accounts (TFSA) and Retirement Income Funds (RIF).<\/li>\n<li>Oaken GICs offer choice, flexibility and security with non-registered GICs.<\/li>\n<li>Flexible payment schedules. Choose the interest payment schedule that suits your needs best \u2013 whether that\u2019s monthly, semi-annually, annually or at maturity.<\/li>\n<li>Select from two issuers: Home Bank and Home Trust Company, both of which are separate members of CDIC.<\/li>\n<li>Deposit a little or a lot: The minimum deposit is $1,000.<\/li>\n<li>Oaken GICs are eligible for Canada Deposit Insurance Corporation (CDIC) coverage, up to applicable limits.<\/li><\/ul>\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__26543\" id=\"huberts-happy-savings-3-year-gic\" data-nw-product-category-bank-accounts=\"true\" data-nw-product-category-gics=\"true\" data-nw-offer-category-3-year=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t<h5 class=\"c-keto-product-card__title\">Hubert&#8217;s Happy Savings 3 Year GIC<\/h5>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"184\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/12\/Hubert-Financial-Happy-Savings-HISA-460x184.png\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"Hubert&#8217;s Happy Savings 3 Year GIC\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/12\/Hubert-Financial-Happy-Savings-HISA-460x184.png 460w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/12\/Hubert-Financial-Happy-Savings-HISA-300x120.png 300w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/12\/Hubert-Financial-Happy-Savings-HISA-768x307.png 768w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/12\/Hubert-Financial-Happy-Savings-HISA-375x150.png 375w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/12\/Hubert-Financial-Happy-Savings-HISA-276x110.png 276w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/12\/Hubert-Financial-Happy-Savings-HISA-100x40.png 100w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/12\/Hubert-Financial-Happy-Savings-HISA-40x16.png 40w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/12\/Hubert-Financial-Happy-Savings-HISA-150x60.png 150w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/12\/Hubert-Financial-Happy-Savings-HISA.png 1000w\" sizes=\"(max-width: 460px) 100vw, 460px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-7461=\"3 Years\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Term Length<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t3 Years\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"3.65%\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t3.65%\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAs of March 5, 2025\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-5971=\"$1,000\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Minimum Deposit<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$1,000\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"N\/A\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tN\/A\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tWhy we like it\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul>\r\n<li>Hubert&#8217;s high-interest savings deposits are available in one to five-year terms.        \r\n<li>Hubert Financial is the online division of Sunova Credit Union and offers a high-interest savings account, term deposits, registered plans, a credit card and VirtualWealth investing.  \r\n<\/ul>\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul><li>One-year terms redeemable quarterly, and two-year to five-year terms non-redeemable.<\/li>\n<li>Interest calculated and compounded annually.<\/li>\n<li>$1,000 minimum balance required.<\/li>\n<li>TFSA, and RRSP and RRIF terms are also available.<\/li>\n<li>Hubert has zero transaction fees \u2014 whether you\u2019re making a deposit, transferring funds, setting up a registered account, or making a withdrawal.<\/li>\n<li>100% guaranteed by the Deposit Guarantee Corporation of Manitoba.<\/li><\/ul>\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\n\n\n\n\t\t<a class=\"js-scroll-to\" href=\"#js-page-top\">Back to Top<\/a>\n\t<\/section>\n<\/div>\n\n\n\n<div id=\"js-page-top\">\n\t<section class=\"c-block-product-card-list c-keto-product-cards-list__wrapper c-keto-product-cards-list__page-top container\" id=\"best-5-year-gic-rates\">\n\t\t\n\t\t\t\t\t<h3 class=\"c-keto-product-cards-list__title\">\n\t\t\t\t4-year GICs\t\t\t<\/h3>\n\t\t\n\t\t\n\n\n\n\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__57821\" id=\"wealthone-bank-of-canada-4-year-gic\" data-nw-product-category-bank-accounts=\"true\" data-nw-product-category-gics=\"true\" data-nw-offer-category-4-year=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t<h5 class=\"c-keto-product-card__title\">WealthONE Bank of Canada 4 Year GIC<\/h5>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"73\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/wealthone-460x73.png\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"WealthONE Bank of Canada 4 Year GIC\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/wealthone-460x73.png 460w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/wealthone-375x59.png 375w\" sizes=\"(max-width: 460px) 100vw, 460px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-7461=\"4 Years\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Term Length<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t4 Years\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"3.70%\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t3.70%\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAs of March 5, 2025\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-5971=\"$1,000\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Minimum Deposit<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$1,000\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"N\/A\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tN\/A\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tWhy we like it\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul>\r\n<li>WealthONE Bank of Canada is a Canadian Schedule 1 bank that serves all Canadians including the newcomers. It has two offices in Toronto and Vancouver and offers online banking, a mobile app and competitive interest rates.    \r\n<li>WealthONE Bank\u2019s non-redeemable GICs offer 6-month to 5-year terms and can be included in a registered TFSA, RSP, or RIF as well as in non-registered products.\r\n<\/ul>\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul><li>Non-registered and non-redeemable.<\/li>\n<li>When the term ends and the GIC reaches maturity, WealthONE Bank will pay the principal amount of the GIC plus interest,  according to your disposition of funds instructions. If no maturity instructions have been received by WealthOne,  the proceeds of the matured GIC may be renewed for the same terms and conditions unless WealthONE Bank receives a request to cancel within ten business days from the date of renewal.<\/li>\n<li>Term options range from 6-month to 5-years.<\/li>\n<li>WealthONE GICs are fixed-term GICs that are non-redeemable prior to the Maturity Date.<\/li>\n<li>An Early Redemption fee is $20.00 plus foregone interest. For more information, please check our Account Terms and Conditions for Savings Accounts and GIC Investments.<\/li>\n<li>Can be included in your registered TFSA, RSP, or RIF as well as non-registered products.<\/li>\n<li>Minimum $1,000 investment.<\/li>\n<li>Eligible for Canada Deposit Insurance Corporation (CDIC) Insurance. CDIC limits apply.<\/li><\/ul>\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__64647\" id=\"home-trust-bank-4-year-gic\" data-nw-product-category-bank-accounts=\"true\" data-nw-product-category-gics=\"true\" data-nw-offer-category-4-year=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t<h5 class=\"c-keto-product-card__title\">Home Trust Bank 4 Year GIC<\/h5>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"105\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/Home-Trust-460x105.png\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"Home Trust Bank 4 Year GIC\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/Home-Trust-460x105.png 460w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/Home-Trust-300x68.png 300w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/Home-Trust-375x86.png 375w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/Home-Trust-276x63.png 276w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/Home-Trust-100x23.png 100w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/Home-Trust-40x9.png 40w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/Home-Trust-150x34.png 150w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/Home-Trust.png 469w\" sizes=\"(max-width: 460px) 100vw, 460px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-7461=\"4 Years\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Term Length<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t4 Years\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"3.65%\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t3.65%\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAs of January 30, 2025\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-5971=\"$1,000-$5,000\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Minimum Deposit<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$1,000-$5,000\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-info--wrapper js-tooltip-wrapper\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-info--icon js-tooltip-icon\" role=\"img\" aria-label=\"Driver info icon\"><\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-info--content js-tooltip-content\" role=\"dialog\" aria-label=\"More information about Minimum Deposit\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"c-keto-product-card__driver-info--pointer\" role=\"img\" aria-label=\"driver-info-pointer\"><\/span>\n\t\t\t\t\t\t\t\t\t\t\t$5,000 minimum deposit for long-term, non-registered GICs. $1,000 for GICS held in RRSPs and TFSAs, and $10,000 for GICs held in retirement income funds (RIFs).\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"N\/A\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tN\/A\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tWhy we like it\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul>\r\n<li>Home Trust Company is a wholly owned subsidiary of Home Capital Group Inc., a public company traded on the Toronto Stock Exchange under the symbol HCG. Home Trust, and its subsidiary Home Bank, are federally regulated financial institutions. Licensed to conduct business across Canada, Home Trust has offices in Ontario, Alberta, British Columbia, Nova Scotia and Quebec.\r\n<li>Home Trust GICs are fixed-rate deposits that come in short and long-term options. They can be included in retirement savings plans, tax-free savings accounts, and retirement income funds. Most GICs are non-redeemable, but a 1-year cashable GIC is also available. \r\n<\/ul>\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul><li>Non-registered and registered GICs.<\/li>\n<li>Term options include 1-year cashable, short-term deposits (30-59 days to 270-364 days), and long term deposits (1-year to 5-years).<\/li>\n<li>Home Trust Bank provides a range of Guaranteed Investment Certificates (GICs) and a High Interest Savings Account (HISA) for both personal and commercial needs, offering guaranteed returns and competitive rates. In addition, each deposit is available through either Home Trust Company or Home Bank, both of which are separate members of the Canada Deposit Insurance Corporation (CDIC).<\/li><\/ul>\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__62599\" id=\"mcan-wealth-4-year-gic\" data-nw-product-category-bank-accounts=\"true\" data-nw-product-category-gics=\"true\" data-nw-product-category-long-term-gic=\"true\" data-nw-offer-category-4-year=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t<h5 class=\"c-keto-product-card__title\">MCAN Wealth 4 Year GIC<\/h5>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"280\" height=\"180\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/04\/mcan-wealth.png\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"MCAN Wealth 4 Year GIC\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/04\/mcan-wealth.png 280w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/04\/mcan-wealth-276x177.png 276w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/04\/mcan-wealth-100x64.png 100w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/04\/mcan-wealth-40x26.png 40w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/04\/mcan-wealth-150x96.png 150w\" sizes=\"(max-width: 280px) 100vw, 280px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-7461=\"4 Years\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Term Length<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t4 Years\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"3.65%\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t3.65%\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAs of January 30, 2025\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-5971=\"$100\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Minimum Deposit<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$100\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"N\/A\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tN\/A\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tWhy we like it\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__64650\" id=\"oaken-financial-4-year-gic\" data-nw-product-category-bank-accounts=\"true\" data-nw-product-category-gics=\"true\" data-nw-offer-category-4-year=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t<h5 class=\"c-keto-product-card__title\">Oaken Financial 4 Year GIC<\/h5>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"207\" height=\"131\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/Logo-Oaken-Colour-e1665785697958.png\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"Oaken Financial 4 Year GIC\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/Logo-Oaken-Colour-e1665785697958.png 207w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/Logo-Oaken-Colour-e1665785697958-100x63.png 100w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/Logo-Oaken-Colour-e1665785697958-40x25.png 40w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/Logo-Oaken-Colour-e1665785697958-150x95.png 150w\" sizes=\"(max-width: 207px) 100vw, 207px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-7461=\"4 Years\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Term Length<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t4 Years\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"3.65%\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t3.65%\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAs of January 30, 2025\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-5971=\"$1,000\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Minimum Deposit<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$1,000\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"N\/A\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tN\/A\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tWhy we like it\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul>\r\n<li>Oaken GICs offer choice through competitive rates for a variety of terms and types, such as short-term, long-term and cashable GICs available for both registered and non-registered plans, plus security with CDIC coverage as per applicable limits. \t\r\n<li>Oaken Financial is backed by Home Bank and powered by Home Trust Company and offers a digital app and online banking services for HISAs and GICs.\r\n<\/ul>\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul><li>Non-registered and non-redeemable.<\/li>\n<li>When the term ends, Oaken will follow the instructions you provide on what you want to do with your investment at maturity. This can include redeeming the GIC and depositing the funds into the account of your choice, or automatically renewing the GIC for the same term and at the current interest rate.<\/li>\n<li>Term options range from 30 days to 5 years, and are available as cashable and non-cashable GICs.<\/li>\n<li>All Oaken GICs are eligible for inclusion in government registered accounts, including Registered Savings Plans (RSP), Tax Free Savings Accounts (TFSA) and Retirement Income Funds (RIF).<\/li>\n<li>Oaken GICs offer choice, flexibility and security with non-registered GICs.<\/li>\n<li>Flexible payment schedules. Choose the interest payment schedule that suits your needs best \u2013 whether that\u2019s monthly, semi-annually, annually or at maturity.<\/li>\n<li>Select from two issuers: Home Bank and Home Trust Company, both of which are separate members of CDIC.<\/li>\n<li>Deposit a little or a lot: The minimum deposit is $1,000.<\/li>\n<li>Oaken GICs are eligible for Canada Deposit Insurance Corporation (CDIC) coverage, up to applicable limits.<\/li><\/ul>\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__64652\" id=\"eq-bank-non-registered-4-year-gic\" data-nw-product-category-bank-accounts=\"true\" data-nw-product-category-gics=\"true\" data-nw-offer-category-4-year=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t<h5 class=\"c-keto-product-card__title\">EQ Bank Non-registered 4 Year GIC<\/h5>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<a title=\"EQ Bank Non-registered 4 Year GIC\" href=\"https:\/\/www.nerdwallet.com\/ca\/go\/64652\" target=\"_self\" rel=\"nofollow\" class=\"track-click track-click-mon nw-cta-image nw-cta\" data-monetized=\"1\" data-vertical=\"Banking\" data-offer-id=\"64652\" data-offer-title=\"EQ Bank Non-registered 4 Year GIC\" data-product-id=\"7477\" data-product-title=\"EQ Bank Non-registered GIC\" data-institution-id=\"70\" data-institution-title=\"EQ Bank\" data-placement=\"Product card\" data-image=\"1\"><img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"200\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/06\/EQBank-460x200.png\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"EQ Bank Non-registered 4 Year GIC\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/06\/EQBank-460x200.png 460w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/06\/EQBank-300x130.png 300w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/06\/EQBank-375x163.png 375w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/06\/EQBank-276x120.png 276w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/06\/EQBank-100x43.png 100w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/06\/EQBank-40x17.png 40w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/06\/EQBank-150x65.png 150w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/06\/EQBank.png 500w\" sizes=\"(max-width: 460px) 100vw, 460px\" \/><\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-7461=\"4 Years\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Term Length<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t4 Years\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"3.60%\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t3.60%\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAs of March 5, 2025\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-5971=\"$100\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Minimum Deposit<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$100\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"N\/A\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tN\/A\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t\t\t<div class=\"c-keto-product-card__cta-button--wrapper\">\n\t\t\t<div class=\"wp-block-button\"><a title=\"EQ Bank Non-registered 4 Year GIC\" href=\"https:\/\/www.nerdwallet.com\/ca\/go\/64652\" target=\"_self\" rel=\"nofollow\" class=\"track-click track-click-mon d-block nw-cta wp-block-button__link wp-element-button external\" data-monetized=\"1\" data-vertical=\"Banking\" data-offer-id=\"64652\" data-offer-title=\"EQ Bank Non-registered 4 Year GIC\" data-product-id=\"7477\" data-product-title=\"EQ Bank Non-registered GIC\" data-institution-id=\"70\" data-institution-title=\"EQ Bank\" data-placement=\"Product card\">Apply Now <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/a><\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tWhy we like it\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul>\r\n<li>Each EQ Bank GIC starts with a minimum deposit of $100, making it convenient for a new investor to explore these GICs at a competitive fixed rate.        \r\n<li>EQ Bank, a trademark of Equitable Bank, is an online bank based in Toronto that offers chequing and savings accounts, GICs and registered plans. Read our <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/eq-bank-review\">review of EQ Bank<\/a> for more information. \r\n<\/ul>\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul><li>Non-registered and non-redeemable.<\/li>\n<li>Must have an EQ savings account in order to get an EQ GIC.<\/li>\n<li>When the term ends and your GIC reaches the maturity date, the funds will be placed in your Savings Plus Account (the one from which your initial investment was funded). You will receive an email or SMS alert notifying you of the GIC maturity.<\/li>\n<li>Term options range from 3-months to 10-years. You\u2019re the one in charge of your savings, that includes choosing whether short or long term GICs are right for you.<\/li>\n<li>RSP and TFSA GICs are also available. Before you buy, you\u2019ll need to open an RSP Savings Account or TFSA Savings Account.<\/li>\n<li>GIC options let you lock in any of our amazing rates, so no matter what happens, that rate is yours.<\/li>\n<li>Low minimum deposit. So you can start investing in GICs with as little as $100.<\/li>\n<li>You choose how your interest is paid out, either at maturity or annually.<\/li>\n<li>A GIC in seconds. As long as you have available funds in your Savings Plus Account, you can literally buy a GIC in seconds.<\/li>\n<li>You can buy up to 20 GICs. Each GIC purchase must be for at least $100, and can be up to a maximum of $100,000. Customers can hold up to $500,000 in GICs, excluding interest earned.<\/li>\n<li>*EQ Bank GICs are non-redeemable. <\/li>\n<li>For GIC terms of less than one year, simple interest is calculated on a per diem basis and paid at maturity. For GIC terms equal to one year, simple interest is calculated on a per annum basis and paid at maturity. For GIC terms of over one year, not including 15 and 27 month terms, interest is calculated on a per annum basis and paid either annually (simple interest) or at maturity (compounded annually). <\/li>\n<li>For GIC terms of 15 and 27 months, interest is calculated on a per annum basis, compounded annually and paid solely at maturity. In all cases, interest is accrued for the entire GIC term.<\/li>\n<li>Maximum 20 GICs per customer. Per GIC investment limit of $100,000. Aggregate GIC investment limit of $500,000.<\/li>\n<li>Rates are calculated on a per annum basis and are subject to change at any time.<\/li>\n<li>Equitable Bank is a member of CDIC. EQ Bank is a trade name of Equitable Bank.<\/li><\/ul>\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__62776\" id=\"maxa-financial-4-year-gic\" data-nw-product-category-gics=\"true\" data-nw-offer-category-4-year=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t<h5 class=\"c-keto-product-card__title\">MAXA Financial 4 Year GIC<\/h5>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"183\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/maxa-financial-460x183.png\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"MAXA Financial 4 Year GIC\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/maxa-financial-460x183.png 460w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/maxa-financial-300x119.png 300w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/maxa-financial-375x149.png 375w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/maxa-financial-276x110.png 276w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/maxa-financial-100x40.png 100w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/maxa-financial-40x16.png 40w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/maxa-financial-150x60.png 150w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/maxa-financial.png 500w\" sizes=\"(max-width: 460px) 100vw, 460px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-7461=\"4 Years\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Term Length<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t4 Years\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"3.60%\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t3.60%\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAs of March 5, 2025\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-5971=\"$500\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Minimum Deposit<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$500\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"N\/A\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tN\/A\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tWhy we like it\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul>\r\n<li>MAXA Financial&#8217;s GICs are available in one to five-year terms and can be included in TFSA, RRSP and RRIF plans. \t\r\n<li>MAXA Financial is an operating division of Westoba Credit Union Ltd. and offers a high-interest savings account, GICs, and TFSA, RRSP and RRIF products.\r\n<\/ul>\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul><li>Minimum deposit of $500.00.<\/li>\n<li>One to five year terms.<\/li>\n<li>TFSA, RRSP and RRIF are also available. <\/li>\n<li>Interest compounded or paid annually to your MAXA High Interest Savings Account.<\/li>\n<li>Account information available online or by phone.<\/li>\n<li>All GICs are non-redeemable prior to maturity.<\/li>\n<li>At maturity, MAXA GICs automatically roll into your MAXA High Interest Savings account. <\/li>\n<li>Guaranteed 100% by Deposit Guarantee Corporation of Manitoba.<\/li><\/ul>\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__57813\" id=\"outlook-financial-4-year-gic\" data-nw-product-category-bank-accounts=\"true\" data-nw-product-category-gics=\"true\" data-nw-offer-category-4-year=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t<h5 class=\"c-keto-product-card__title\">Outlook Financial 4 Year GIC<\/h5>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"321\" height=\"157\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/02\/outlook-financial.png\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"Outlook Financial 4 Year GIC\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/02\/outlook-financial.png 321w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/02\/outlook-financial-300x147.png 300w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/02\/outlook-financial-276x135.png 276w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/02\/outlook-financial-100x49.png 100w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/02\/outlook-financial-40x20.png 40w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/02\/outlook-financial-150x73.png 150w\" sizes=\"(max-width: 321px) 100vw, 321px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-7461=\"4 Years\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Term Length<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t4 Years\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"3.60%\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t3.60%\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAs of March 5, 2025\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-5971=\"$1,000\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Minimum Deposit<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$1,000\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"N\/A\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tN\/A\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tWhy we like it\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul>\r\n<li>Outlook Financial&#8217;s GICs are available in one to five-year terms and can be included in TFSA, RRSP and RRIF plans. \t\r\n<li>Outlook Financial is an online division of Assiniboine Credit Union and offers savings accounts, GICS, TFSAs, Registered Retirement Savings Plans (RRSPs), and Registered Retirement Income Funds (RRIFs).\r\n<\/ul>\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul><li>Choose from a 1 to 5 year term depending on your investment horizon.<\/li>\n<li>Choose to reinvest your compound interest back into your GIC, or pay it annually to your High-Interest Savings Account.<\/li>\n<li>Fixed GICs are eligible for non-registered investments and registered plans.<\/li>\n<li>The minimum deposit for Outlook GICs is $1000.<\/li>\n<li>Not eligible for early redemption and must remain invested until the expiry of the selected term.<\/li>\n<li>GIC interest rates are quoted per annum, with interest calculated and paid on each 12 month anniversary date, and at the maturity date. <\/li>\n<li>Deposits including accrued interest to date of payout are 100% guaranteed without limit by the Deposit Guarantee Corporation of Manitoba (DGCM).<\/li><\/ul>\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\t\t<a class=\"js-scroll-to\" href=\"#js-page-top\">Back to Top<\/a>\n\t<\/section>\n<\/div>\n\n\n\n<div id=\"js-page-top\">\n\t<section class=\"c-block-product-card-list c-keto-product-cards-list__wrapper c-keto-product-cards-list__page-top container\" id=\"best-5-year-gic-rates\">\n\t\t\n\t\t\t\t\t<h3 class=\"c-keto-product-cards-list__title\">\n\t\t\t\t5-year GICs\t\t\t<\/h3>\n\t\t\n\t\t\n\n\n\n\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__10272\" id=\"wealthone-bank-of-canada-5-year-gic\" data-nw-product-category-bank-accounts=\"true\" data-nw-product-category-gics=\"true\" data-nw-offer-category-5-year=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t<h5 class=\"c-keto-product-card__title\">WealthONE Bank of Canada 5 Year GIC<\/h5>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"73\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/wealthone-460x73.png\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"WealthONE Bank of Canada 5 Year GIC\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/wealthone-460x73.png 460w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/wealthone-375x59.png 375w\" sizes=\"(max-width: 460px) 100vw, 460px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-7461=\"5 Years\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Term Length<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t5 Years\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"3.75%\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t3.75%\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAs of March 5, 2025\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-5971=\"$1,000\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Minimum Deposit<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$1,000\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"N\/A\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tN\/A\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tWhy we like it\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul>\r\n<li>WealthONE Bank of Canada is a Canadian Schedule 1 bank that serves all Canadians including the newcomers. It has two offices in Toronto and Vancouver and offers online banking, a mobile app and competitive interest rates.    \r\n<li>WealthONE Bank\u2019s non-redeemable GICs offer 6-month to 5-year terms and can be included in a registered TFSA, RSP, or RIF as well as in non-registered products.\r\n<\/ul>\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul><li>Non-registered and non-redeemable.<\/li>\n<li>When the term ends and the GIC reaches maturity, WealthONE Bank will pay the principal amount of the GIC plus interest,  according to your disposition of funds instructions. If no maturity instructions have been received by WealthOne,  the proceeds of the matured GIC may be renewed for the same terms and conditions unless WealthONE Bank receives a request to cancel within ten business days from the date of renewal.<\/li>\n<li>Term options range from 6-month to 5-years.<\/li>\n<li>WealthONE GICs are fixed-term GICs that are non-redeemable prior to the Maturity Date.<\/li>\n<li>An Early Redemption fee is $20.00 plus foregone interest. For more information, please check our Account Terms and Conditions for Savings Accounts and GIC Investments.<\/li>\n<li>Can be included in your registered TFSA, RSP, or RIF as well as non-registered products.<\/li>\n<li>Minimum $1,000 investment.<\/li>\n<li>Eligible for Canada Deposit Insurance Corporation (CDIC) Insurance. CDIC limits apply.<\/li><\/ul>\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__38069\" id=\"home-trust-bank-5-year-gic\" data-nw-product-category-bank-accounts=\"true\" data-nw-product-category-gics=\"true\" data-nw-offer-category-5-year=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t<h5 class=\"c-keto-product-card__title\">Home Trust Bank 5 Year GIC<\/h5>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"105\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/Home-Trust-460x105.png\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"Home Trust Bank 5 Year GIC\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/Home-Trust-460x105.png 460w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/Home-Trust-300x68.png 300w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/Home-Trust-375x86.png 375w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/Home-Trust-276x63.png 276w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/Home-Trust-100x23.png 100w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/Home-Trust-40x9.png 40w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/Home-Trust-150x34.png 150w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/Home-Trust.png 469w\" sizes=\"(max-width: 460px) 100vw, 460px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-7461=\"5 Years\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Term Length<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t5 Years\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"3.70%\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t3.70%\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAs of January 30, 2025\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-5971=\"$1,000-$5,000\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Minimum Deposit<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$1,000-$5,000\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-info--wrapper js-tooltip-wrapper\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-info--icon js-tooltip-icon\" role=\"img\" aria-label=\"Driver info icon\"><\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-info--content js-tooltip-content\" role=\"dialog\" aria-label=\"More information about Minimum Deposit\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"c-keto-product-card__driver-info--pointer\" role=\"img\" aria-label=\"driver-info-pointer\"><\/span>\n\t\t\t\t\t\t\t\t\t\t\t$5,000 minimum deposit for long-term, non-registered GICs. $1,000 for GICS held in RRSPs and TFSAs, and $10,000 for GICs held in retirement income funds (RIFs).\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"N\/A\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tN\/A\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tWhy we like it\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul>\r\n<li>Home Trust Company is a wholly owned subsidiary of Home Capital Group Inc., a public company traded on the Toronto Stock Exchange under the symbol HCG. Home Trust, and its subsidiary Home Bank, are federally regulated financial institutions. Licensed to conduct business across Canada, Home Trust has offices in Ontario, Alberta, British Columbia, Nova Scotia and Quebec.\r\n<li>Home Trust GICs are fixed-rate deposits that come in short and long-term options. They can be included in retirement savings plans, tax-free savings accounts, and retirement income funds. Most GICs are non-redeemable, but a 1-year cashable GIC is also available. \r\n<\/ul>\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul><li>Non-registered and registered GICs.<\/li>\n<li>Term options include 1-year cashable, short-term deposits (30-59 days to 270-364 days), and long term deposits (1-year to 5-years).<\/li>\n<li>Home Trust Bank provides a range of Guaranteed Investment Certificates (GICs) and a High Interest Savings Account (HISA) for both personal and commercial needs, offering guaranteed returns and competitive rates. In addition, each deposit is available through either Home Trust Company or Home Bank, both of which are separate members of the Canada Deposit Insurance Corporation (CDIC).<\/li><\/ul>\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__62601\" id=\"mcan-wealth-5-year-gic\" data-nw-product-category-bank-accounts=\"true\" data-nw-product-category-gics=\"true\" data-nw-product-category-long-term-gic=\"true\" data-nw-offer-category-5-year=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t<h5 class=\"c-keto-product-card__title\">MCAN Wealth 5 Year GIC<\/h5>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"280\" height=\"180\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/04\/mcan-wealth.png\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"MCAN Wealth 5 Year GIC\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/04\/mcan-wealth.png 280w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/04\/mcan-wealth-276x177.png 276w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/04\/mcan-wealth-100x64.png 100w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/04\/mcan-wealth-40x26.png 40w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/04\/mcan-wealth-150x96.png 150w\" sizes=\"(max-width: 280px) 100vw, 280px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-7461=\"5 Years\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Term Length<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t5 Years\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"3.70%\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t3.70%\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAs of January 30, 2025\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-5971=\"$100\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Minimum Deposit<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$100\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"N\/A\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tN\/A\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tWhy we like it\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__7506\" id=\"oaken-financial-5-year-gic\" data-nw-product-category-bank-accounts=\"true\" data-nw-product-category-gics=\"true\" data-nw-offer-category-5-year=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t<h5 class=\"c-keto-product-card__title\">Oaken Financial 5 Year GIC<\/h5>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"207\" height=\"131\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/Logo-Oaken-Colour-e1665785697958.png\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"Oaken Financial 5 Year GIC\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/Logo-Oaken-Colour-e1665785697958.png 207w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/Logo-Oaken-Colour-e1665785697958-100x63.png 100w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/Logo-Oaken-Colour-e1665785697958-40x25.png 40w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/Logo-Oaken-Colour-e1665785697958-150x95.png 150w\" sizes=\"(max-width: 207px) 100vw, 207px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-7461=\"5 Years\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Term Length<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t5 Years\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"3.70%\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t3.70%\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAs of January 30, 2025\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-5971=\"$1,000\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Minimum Deposit<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$1,000\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"N\/A\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tN\/A\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tWhy we like it\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul>\r\n<li>Oaken GICs offer choice through competitive rates for a variety of terms and types, such as short-term, long-term and cashable GICs available for both registered and non-registered plans, plus security with CDIC coverage as per applicable limits. \t\r\n<li>Oaken Financial is backed by Home Bank and powered by Home Trust Company and offers a digital app and online banking services for HISAs and GICs.\r\n<\/ul>\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul><li>Non-registered and non-redeemable.<\/li>\n<li>When the term ends, Oaken will follow the instructions you provide on what you want to do with your investment at maturity. This can include redeeming the GIC and depositing the funds into the account of your choice, or automatically renewing the GIC for the same term and at the current interest rate.<\/li>\n<li>Term options range from 30 days to 5 years, and are available as cashable and non-cashable GICs.<\/li>\n<li>All Oaken GICs are eligible for inclusion in government registered accounts, including Registered Savings Plans (RSP), Tax Free Savings Accounts (TFSA) and Retirement Income Funds (RIF).<\/li>\n<li>Oaken GICs offer choice, flexibility and security with non-registered GICs.<\/li>\n<li>Flexible payment schedules. Choose the interest payment schedule that suits your needs best \u2013 whether that\u2019s monthly, semi-annually, annually or at maturity.<\/li>\n<li>Select from two issuers: Home Bank and Home Trust Company, both of which are separate members of CDIC.<\/li>\n<li>Deposit a little or a lot: The minimum deposit is $1,000.<\/li>\n<li>Oaken GICs are eligible for Canada Deposit Insurance Corporation (CDIC) coverage, up to applicable limits.<\/li><\/ul>\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__7484\" id=\"eq-bank-non-registered-5-year-gic\" data-nw-product-category-bank-accounts=\"true\" data-nw-product-category-gics=\"true\" data-nw-offer-category-5-year=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t<h5 class=\"c-keto-product-card__title\">EQ Bank Non-registered 5 Year GIC<\/h5>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<a title=\"EQ Bank Non-registered 5 Year GIC\" href=\"https:\/\/www.nerdwallet.com\/ca\/go\/7484?section=pc\" target=\"_self\" rel=\"nofollow\" class=\"track-click track-click-mon nw-cta-image nw-cta\" data-monetized=\"1\" data-vertical=\"Banking\" data-offer-id=\"7484\" data-offer-title=\"EQ Bank Non-registered 5 Year GIC\" data-product-id=\"7477\" data-product-title=\"EQ Bank Non-registered GIC\" data-institution-id=\"70\" data-institution-title=\"EQ Bank\" data-placement=\"Product card\" data-image=\"1\"><img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"200\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/06\/EQBank-460x200.png\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"EQ Bank Non-registered 5 Year GIC\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/06\/EQBank-460x200.png 460w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/06\/EQBank-300x130.png 300w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/06\/EQBank-375x163.png 375w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/06\/EQBank-276x120.png 276w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/06\/EQBank-100x43.png 100w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/06\/EQBank-40x17.png 40w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/06\/EQBank-150x65.png 150w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/06\/EQBank.png 500w\" sizes=\"(max-width: 460px) 100vw, 460px\" \/><\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-7461=\"5 Years\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Term Length<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t5 Years\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"3.65%\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t3.65%\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAs of March 5, 2025\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-5971=\"$100\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Minimum Deposit<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$100\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"N\/A\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tN\/A\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t\t\t<div class=\"c-keto-product-card__cta-button--wrapper\">\n\t\t\t<div class=\"wp-block-button\"><a title=\"EQ Bank Non-registered 5 Year GIC\" href=\"https:\/\/www.nerdwallet.com\/ca\/go\/7484?section=pc\" target=\"_self\" rel=\"nofollow\" class=\"track-click track-click-mon d-block nw-cta wp-block-button__link wp-element-button external\" data-monetized=\"1\" data-vertical=\"Banking\" data-offer-id=\"7484\" data-offer-title=\"EQ Bank Non-registered 5 Year GIC\" data-product-id=\"7477\" data-product-title=\"EQ Bank Non-registered GIC\" data-institution-id=\"70\" data-institution-title=\"EQ Bank\" data-placement=\"Product card\">Apply Now <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/a><\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tWhy we like it\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul>\r\n<li>Each EQ Bank GIC starts with a minimum deposit of $100, making it convenient for a new investor to explore these GICs at a competitive fixed rate.        \r\n<li>EQ Bank, a trademark of Equitable Bank, is an online bank based in Toronto that offers chequing and savings accounts, GICs and registered plans. Read our <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/eq-bank-review\">review of EQ Bank<\/a> for more information. \r\n<\/ul>\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul><li>Non-registered and non-redeemable.<\/li>\n<li>Must have an EQ savings account in order to get an EQ GIC.<\/li>\n<li>When the term ends and your GIC reaches the maturity date, the funds will be placed in your Savings Plus Account (the one from which your initial investment was funded). You will receive an email or SMS alert notifying you of the GIC maturity.<\/li>\n<li>Term options range from 3-months to 10-years. You\u2019re the one in charge of your savings, that includes choosing whether short or long term GICs are right for you.<\/li>\n<li>RSP and TFSA GICs are also available. Before you buy, you\u2019ll need to open an RSP Savings Account or TFSA Savings Account.<\/li>\n<li>GIC options let you lock in any of our amazing rates, so no matter what happens, that rate is yours.<\/li>\n<li>Low minimum deposit. So you can start investing in GICs with as little as $100.<\/li>\n<li>You choose how your interest is paid out, either at maturity or annually.<\/li>\n<li>A GIC in seconds. As long as you have available funds in your Savings Plus Account, you can literally buy a GIC in seconds.<\/li>\n<li>You can buy up to 20 GICs. Each GIC purchase must be for at least $100, and can be up to a maximum of $100,000. Customers can hold up to $500,000 in GICs, excluding interest earned.<\/li>\n<li>*EQ Bank GICs are non-redeemable. <\/li>\n<li>For GIC terms of less than one year, simple interest is calculated on a per diem basis and paid at maturity. For GIC terms equal to one year, simple interest is calculated on a per annum basis and paid at maturity. For GIC terms of over one year, not including 15 and 27 month terms, interest is calculated on a per annum basis and paid either annually (simple interest) or at maturity (compounded annually). <\/li>\n<li>For GIC terms of 15 and 27 months, interest is calculated on a per annum basis, compounded annually and paid solely at maturity. In all cases, interest is accrued for the entire GIC term.<\/li>\n<li>Maximum 20 GICs per customer. Per GIC investment limit of $100,000. Aggregate GIC investment limit of $500,000.<\/li>\n<li>Rates are calculated on a per annum basis and are subject to change at any time.<\/li>\n<li>Equitable Bank is a member of CDIC. EQ Bank is a trade name of Equitable Bank.<\/li><\/ul>\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__74776\" id=\"saven-financial-non-redeemable-5-year-gic\" data-nw-product-category-bank-accounts=\"true\" data-nw-product-category-gics=\"true\" data-nw-product-category-long-term-gic=\"true\" data-nw-offer-category-5-year=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t<h5 class=\"c-keto-product-card__title\">Saven Financial Non-Redeemable 5 Year GIC<\/h5>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"409\" height=\"123\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/10\/saven-financial.png\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"Saven Financial Non-Redeemable 5 Year GIC\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/10\/saven-financial.png 409w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/10\/saven-financial-300x90.png 300w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/10\/saven-financial-375x113.png 375w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/10\/saven-financial-276x83.png 276w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/10\/saven-financial-100x30.png 100w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/10\/saven-financial-40x12.png 40w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/10\/saven-financial-150x45.png 150w\" sizes=\"(max-width: 409px) 100vw, 409px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-7461=\"5 Years\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Term Length<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t5 Years\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"3.65%\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t3.65%\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAs of March 5, 2025\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-5971=\"$1,000\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Minimum Deposit<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$1,000\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"N\/A\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tN\/A\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tWhy we like it\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul>\r\n<li>Saven Financial\u2019s registered and non-registered GICs come in 6-month and 1- to 5-year terms with competitive interest rates.\r\n<li>Saven Financial is a online division of FirstOntario Credit Union. The credit union offers attractive perks and interest rates on savings accounts and GICs. Not available to Quebec residents.\r\n<\/ul>\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul><li>Both registered and non-registered GICs are non-redeemable.<\/li>\n<li>For non-registered GICs, choose to receive the interest annually in your savings account or reinvest in your GIC account.<\/li>\n<li>For registered GICs, choose to receive interest payout annually in the same registered account as your investment or reinvest the interest for another term.<\/li>\n<li>Banking services are not available in Quebec.<\/li>\n<li>Eligible deposits covered under the Financial Services Regulatory Authority of Ontario\u2019s (FSRA) deposit insurance program.<\/li><\/ul>\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\t\t<a class=\"js-scroll-to\" href=\"#js-page-top\">Back to Top<\/a>\n\t<\/section>\n<\/div>\n\n\n<div class=\"c-block-in-house-promotion is-advert-style__image-small is-style-horizontal wp-block-nerdwallet-blocks-in-house-ad\">\n\n\t\t\t<div class=\"c-promotion-banner__partner-spotlight\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/plugins\/nerdwallet-blocks\/assets\/images\/nerdwallet-bug.svg\"\n\t\t\t\talt=\"Nerdwallet Logo\"\n\t\t\t\/>\n\t\t\t<span class=\"c-promotion-banner__partner-spotlight--title\">\n\t\t\t\tPartner Spotlight\t\t\t<\/span>\n\t\t<\/div>\n\t\n\t<div\n\t\tclass=\"c-block-in-house-promotion__inner\"\n\t\tstyle=\"background-image: none;\"\n\t>\n\n\t\t\t\t\t<div class='c-block-in-house-promotion__image-wrapper'>\n\t\t\t\t<div class='c-block-in-house-promotion__image'>\n\t\t\t\t\t<img decoding=\"async\" class=\"c-block-in-house-promotion__icon-img\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/07\/Tangerine_Bank_logo.svg.png\" alt=\"Ad Icon\" \/>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\n\t\t<div class=\"c-block-in-house-promotion__content-wrapper c-block-in-house-promotion__no-image\">\n\t\t\t\n\t\t\t<h3 class=\"c-block-in-house-promotion__title\">Shop GIC Rates with Tangerine <\/h3>\n\t\t\t\t\t\t\t<p class=\"c-block-in-house-promotion__content\">\n\t\t\t\t\tTangerine GICs are a secure way to save money and take advantage of a great interest rate. Enjoy the comfort of knowing your investment is guaranteed for the term you choose! \t\t\t\t<\/p>\n\t\t\t\t\t<\/div>\n\n\t\t\t<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<hr class=\"wp-block-separator has-text-color has-green-color has-alpha-channel-opacity has-green-background-color has-background is-style-default\" \/>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"summary-best-gics-rates-in-canada\">SUMMARY: GICS WITH THE HIGHEST INTEREST RATES IN CANADA&nbsp;<\/h3>\n\n\n\n<p class=\"\">Our picks for the best fixed-rate, non-redeemable GICs for March 2025:<\/p>\n\n\n<div class=\"c-block-tabs-wrapper \">\n\t<div role=\"tablist\" aria-label=\"Tabs\" class=\"c-block-tabs\">\n\t\t\t\t\t<div class=\"c-block-tabs__tab c-block-tabs__tab--active\"\n\t\t\t\t role=\"tab\"\n\t\t\t\t aria-selected=\"true\"\n\t\t\t\t aria-controls=\"0\"\n\t\t\t\t id=\"tab-0\"\n\t\t\t\t data-tabid=\"0\">Best 1-year GICs<\/div>\n\t\t\t\t\t\t<div class=\"c-block-tabs__tab \"\n\t\t\t\t role=\"tab\"\n\t\t\t\t aria-selected=\"false\"\n\t\t\t\t aria-controls=\"1\"\n\t\t\t\t id=\"tab-1\"\n\t\t\t\t data-tabid=\"1\">Best 2-year GICs<\/div>\n\t\t\t\t\t\t<div class=\"c-block-tabs__tab \"\n\t\t\t\t role=\"tab\"\n\t\t\t\t aria-selected=\"false\"\n\t\t\t\t aria-controls=\"2\"\n\t\t\t\t id=\"tab-2\"\n\t\t\t\t data-tabid=\"2\">Best 3-year GICs<\/div>\n\t\t\t\t\t\t<div class=\"c-block-tabs__tab \"\n\t\t\t\t role=\"tab\"\n\t\t\t\t aria-selected=\"false\"\n\t\t\t\t aria-controls=\"3\"\n\t\t\t\t id=\"tab-3\"\n\t\t\t\t data-tabid=\"3\">Best 4-year GICs<\/div>\n\t\t\t\t\t\t<div class=\"c-block-tabs__tab \"\n\t\t\t\t role=\"tab\"\n\t\t\t\t aria-selected=\"false\"\n\t\t\t\t aria-controls=\"4\"\n\t\t\t\t id=\"tab-4\"\n\t\t\t\t data-tabid=\"4\">Best 5-year GICs<\/div>\n\t\t\t\t<\/div>\n\n\t<div class=\"c-block-tabs-all\">\n\t\t\n<div class=\"wp-block-nerdwallet-blocks-tabs\">\n<div class=\"wp-block-nerdwallet-blocks-tabs-content c-block-tabs-content\" data-tabid=\"0\" role=\"tabpanel\" aria-labelledby=\"tab-0\">\n<ul class=\"\">\n<li class=\"\"><a href=\"#wealthone-bank-of-canada-1-year-gic\">WealthONE Bank of Canada 1 Year GIC<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"#huberts-happy-savings-1-year-gic\">Hubert\u2019s Happy Savings 1 Year GIC<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"#maxa-financial-1-year-gic\">MAXA Financial 1 Year GIC<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"#outlook-financial-1-year-gic\">Outlook Financial 1 Year GIC<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-nerdwallet-blocks-tabs-content c-block-tabs-content\" data-tabid=\"1\" role=\"tabpanel\" aria-labelledby=\"tab-1\">\n<ul class=\"\">\n<li class=\"\"><a href=\"#wealthone-bank-of-canada-2-year-gic\">WealthONE Bank of Canada 2 Year GIC<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"#home-trust-bank-2-year-gic\">Home Trust Bank 2 Year GIC<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"#mcan-wealth-2-year-gic\">MCAN Wealth 2 Year GIC<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"#oaken-financial-2-year-gic\">Oaken Financial 2 Year GIC<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"#huberts-happy-savings-2-year-gic\">Hubert\u2019s Happy Savings 2 Year GIC<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"#maxa-financial-2-year-gic\">MAXA Financial 2 Year GIC<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"#outlook-financial-2-year-gic\">Outlook Financial 2 Year GIC<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-nerdwallet-blocks-tabs-content c-block-tabs-content\" data-tabid=\"2\" role=\"tabpanel\" aria-labelledby=\"tab-2\">\n<ul class=\"\">\n<li class=\"\"><a href=\"#wealthone-bank-of-canada-3-year-gic\">WealthONE Bank of Canada 3 Year GIC<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"#home-trust-3-year-gic\">Home Trust 3 Year GIC<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"#mcan-wealth-3-year-gic\">MCAN Wealth 3 Year GIC<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"#oaken-financial-3-year-gic\">Oaken Financial 3 Year GIC<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"#huberts-happy-savings-3-year-gic\">Hubert\u2019s Happy Savings 3 Year GIC<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-nerdwallet-blocks-tabs-content c-block-tabs-content\" data-tabid=\"3\" role=\"tabpanel\" aria-labelledby=\"tab-3\">\n<ul class=\"\">\n<li class=\"\"><a href=\"#wealthone-bank-of-canada-4-year-gic\">WealthONE Bank of Canada 4 Year GIC<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"#home-trust-bank-4-year-gic\">Home Trust Bank 4 Year GIC<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"#mcan-wealth-4-year-gic\">MCAN Wealth 4 Year GIC<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"#oaken-financial-4-year-gic\">Oaken Financial 4 Year GIC<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"#eq-bank-non-registered-4-year-gic\">EQ Bank Non-registered 4 Year GIC<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"#maxa-financial-4-year-gic\">MAXA Financial 4 Year GIC<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"#outlook-financial-4-year-gic\">Outlook Financial 4 Year GIC<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-nerdwallet-blocks-tabs-content c-block-tabs-content\" data-tabid=\"4\" role=\"tabpanel\" aria-labelledby=\"tab-4\">\n<ul class=\"\">\n<li class=\"\"><a href=\"#wealthone-bank-of-canada-5-year-gic\">WealthONE Bank of Canada 5 Year GIC<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"#home-trust-bank-5-year-gic\">Home Trust Bank 5 Year GIC<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"#mcan-wealth-5-year-gic\">MCAN Wealth 5 Year GIC<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"#oaken-financial-4-year-gic\">Oaken Financial 5 Year GIC<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"#eq-bank-non-registered-5-year-gic\">EQ Bank Non-registered 5 Year GIC<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"#saven-financial-non-redeemable-5-year-gic\">Saven Financial Non-Redeemable 5 Year GIC<\/a><\/li>\n<\/ul>\n<\/div>\n<\/div>\n\t<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<hr class=\"wp-block-separator has-text-color has-green-color has-alpha-channel-opacity has-green-background-color has-background is-style-default\" \/>\n<\/div>\n\n\n\n<div class=\"wp-block-nerdwallet-blocks-trust-card is-style-alt\"><div class=\"c-block-trust-card\"><h3 class=\"c-block-trust-card__title\">Methodology<\/h3><div class=\"c-block-trust-card__description\"><p><br>NerdWallet Canada selects the best guaranteed investment certificates based on several criteria. Factors in\u00a0<a href=\"https:\/\/www.nerdwallet.com\/ca\/financial-product-evaluation-methology#bnkmethod\">our evaluation methodology<\/a>\u00a0include annual percentage yields, minimum deposit, redeemability, account type and more. Only fixed-rate, non-registered and non-redeemable guaranteed investment certificates that are available in more than one province are considered for this list.<\/p><\/div><ul class=\"c-block-trust-card__bullet-points\"><\/ul><\/div><\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<hr class=\"wp-block-separator has-text-color has-green-color has-alpha-channel-opacity has-green-background-color has-background is-style-default\" \/>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"Compare-more-top-GIC-rates\" style=\"text-transform:uppercase\">Canadian GIC rates comparison<\/h2>\n\n\n\n<p class=\"\">Highest GIC rates currently available as of Mar. 5, 2025.<\/p>\n\n\n\n<div class=\"wp-block-nerdwallet-blocks-tablepress\"><div class=\"c-tablepress-table-wrapper\" style=\"overflow-x: auto;\">\n<table id=\"tablepress-63\" class=\"tablepress tablepress-id-63\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Financial Institution<\/th><th class=\"column-2\">1-year Term<\/th><th class=\"column-3\">2-year Term<\/th><th class=\"column-4\">3-year Term<\/th><th class=\"column-5\">4-year Term<\/th><th class=\"column-6\">5-year Term<\/th><th class=\"column-7\">Minimum Deposit<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">Achieva Financial <\/td><td class=\"column-2\">3.60%<\/td><td class=\"column-3\">3.50%<\/td><td class=\"column-4\">3.50%<\/td><td class=\"column-5\">3.45%<\/td><td class=\"column-6\">3.50%<\/td><td class=\"column-7\">$1,000<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">Alterna Bank<\/td><td class=\"column-2\">3.05%<\/td><td class=\"column-3\">3.25%<\/td><td class=\"column-4\">3.20%<\/td><td class=\"column-5\">3.20%<\/td><td class=\"column-6\">3.30%<\/td><td class=\"column-7\">$500<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\">BMO Bank of Montreal<\/td><td class=\"column-2\">2.75%<\/td><td class=\"column-3\">3.00%<\/td><td class=\"column-4\">3.00%<\/td><td class=\"column-5\">3.00%<\/td><td class=\"column-6\">3.30%<\/td><td class=\"column-7\">$1,000-$5,000<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\">Bridgewater Bank <\/td><td class=\"column-2\">3.43%<\/td><td class=\"column-3\">3.49%<\/td><td class=\"column-4\">3.57%<\/td><td class=\"column-5\">3.20%<\/td><td class=\"column-6\">3.60%<\/td><td class=\"column-7\">$5,000<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/canadian-tire-bank-review\" rel=\"noopener\" target=\"_blank\">Canadian Tire Bank<\/a><\/td><td class=\"column-2\">2.60%<\/td><td class=\"column-3\">2.75%<\/td><td class=\"column-4\">2.75%<\/td><td class=\"column-5\">2.75%<\/td><td class=\"column-6\">3.62%<\/td><td class=\"column-7\">$1,000<\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\">CIBC Bonus Rate GIC<\/td><td class=\"column-2\">3.00%<\/td><td class=\"column-3\">2.75%<\/td><td class=\"column-4\">2.75%<\/td><td class=\"column-5\">2.75%<\/td><td class=\"column-6\">2.90%<\/td><td class=\"column-7\">$1,000<\/td>\n<\/tr>\n<tr class=\"row-8 even\">\n\t<td class=\"column-1\">Coast Capital Savings<\/td><td class=\"column-2\">3.25%<\/td><td class=\"column-3\">3.25%<\/td><td class=\"column-4\">3.15%<\/td><td class=\"column-5\">3.35%<\/td><td class=\"column-6\">3.50%<\/td><td class=\"column-7\">$500<\/td>\n<\/tr>\n<tr class=\"row-9 odd\">\n\t<td class=\"column-1\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/eq-bank-review\" rel=\"noopener\" target=\"_blank\">EQ Bank<\/a><br \/>\n<sub><a href=\"https:\/\/www.nerdwallet.com\/ca\/go\/7476?section=rt\" rel=\"nofollow\">Apply Now<\/a><\/sub><\/td><td class=\"column-2\">3.50%<\/td><td class=\"column-3\">3.55%<\/td><td class=\"column-4\">3.60%<\/td><td class=\"column-5\">3.60%<\/td><td class=\"column-6\">3.65%<\/td><td class=\"column-7\">$100<\/td>\n<\/tr>\n<tr class=\"row-10 even\">\n\t<td class=\"column-1\">Home Trust<\/td><td class=\"column-2\">3.75%<\/td><td class=\"column-3\">3.95%<\/td><td class=\"column-4\">3.65%<\/td><td class=\"column-5\">3.65%<\/td><td class=\"column-6\">3.70%<\/td><td class=\"column-7\">$1,000-$5,000<\/td>\n<\/tr>\n<tr class=\"row-11 odd\">\n\t<td class=\"column-1\">Hubert\u2019s Happy Savings<\/td><td class=\"column-2\">3.85%<\/td><td class=\"column-3\">3.75%<\/td><td class=\"column-4\">3.65%<\/td><td class=\"column-5\">3.55%<\/td><td class=\"column-6\">3.55%<\/td><td class=\"column-7\">$1,000<\/td>\n<\/tr>\n<tr class=\"row-12 even\">\n\t<td class=\"column-1\">ICICI Bank<\/td><td class=\"column-2\">1.75%<\/td><td class=\"column-3\">2.00%<\/td><td class=\"column-4\">2.25%<\/td><td class=\"column-5\">2.50%<\/td><td class=\"column-6\">2.75%<\/td><td class=\"column-7\">$1,000<\/td>\n<\/tr>\n<tr class=\"row-13 odd\">\n\t<td class=\"column-1\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/laurentian-bank-review\" rel=\"noopener\" target=\"_blank\">Laurentian Bank of Canada<\/a><\/td><td class=\"column-2\">3.05%<\/td><td class=\"column-3\">3.15%<\/td><td class=\"column-4\">3.30%<\/td><td class=\"column-5\">3.55%<\/td><td class=\"column-6\">3.30%<\/td><td class=\"column-7\">$500<\/td>\n<\/tr>\n<tr class=\"row-14 even\">\n\t<td class=\"column-1\">LBCDigital.ca<\/td><td class=\"column-2\">3.05%<\/td><td class=\"column-3\">3.05%<\/td><td class=\"column-4\">3.15%<\/td><td class=\"column-5\">3.20%<\/td><td class=\"column-6\">3.30%<\/td><td class=\"column-7\">$100<\/td>\n<\/tr>\n<tr class=\"row-15 odd\">\n\t<td class=\"column-1\">Manulife Bank<\/td><td class=\"column-2\">2.75%<\/td><td class=\"column-3\">2.75%<\/td><td class=\"column-4\">2.85%<\/td><td class=\"column-5\">2.95%<\/td><td class=\"column-6\">3.00%<\/td><td class=\"column-7\">$2,500-$25,000<\/td>\n<\/tr>\n<tr class=\"row-16 even\">\n\t<td class=\"column-1\">MAXA Financial<\/td><td class=\"column-2\">3.85%<\/td><td class=\"column-3\">3.70%<\/td><td class=\"column-4\">3.60%<\/td><td class=\"column-5\">3.60%<\/td><td class=\"column-6\">3.55%<\/td><td class=\"column-7\">$500<\/td>\n<\/tr>\n<tr class=\"row-17 odd\">\n\t<td class=\"column-1\">MCAN Wealth<\/td><td class=\"column-2\">3.75%<\/td><td class=\"column-3\">3.95%<\/td><td class=\"column-4\">3.65%<\/td><td class=\"column-5\">3.65%<\/td><td class=\"column-6\">3.70%<\/td><td class=\"column-7\">$100<\/td>\n<\/tr>\n<tr class=\"row-18 even\">\n\t<td class=\"column-1\">Meridian Credit Union<\/td><td class=\"column-2\">3.30%<\/td><td class=\"column-3\">3.50%<\/td><td class=\"column-4\">3.45%<\/td><td class=\"column-5\">3.40%<\/td><td class=\"column-6\">3.40%<\/td><td class=\"column-7\">$100<\/td>\n<\/tr>\n<tr class=\"row-19 odd\">\n\t<td class=\"column-1\">Motive Financial<\/td><td class=\"column-2\">3.20%<\/td><td class=\"column-3\">3.20%<\/td><td class=\"column-4\">3.25%<\/td><td class=\"column-5\">3.30%<\/td><td class=\"column-6\">3.30%<\/td><td class=\"column-7\">$1,000<\/td>\n<\/tr>\n<tr class=\"row-20 even\">\n\t<td class=\"column-1\">motusbank<\/td><td class=\"column-2\">2.50%<\/td><td class=\"column-3\">2.75%<\/td><td class=\"column-4\">2.50%<\/td><td class=\"column-5\">2.50%<\/td><td class=\"column-6\">2.50%<\/td><td class=\"column-7\">$100<\/td>\n<\/tr>\n<tr class=\"row-21 odd\">\n\t<td class=\"column-1\">National Bank of Canada<\/td><td class=\"column-2\">3.00%<\/td><td class=\"column-3\">3.00%<\/td><td class=\"column-4\">3.00%<\/td><td class=\"column-5\">3.05%<\/td><td class=\"column-6\">3.30%<\/td><td class=\"column-7\">$500<\/td>\n<\/tr>\n<tr class=\"row-22 even\">\n\t<td class=\"column-1\">Oaken Financial <\/td><td class=\"column-2\">3.75%<\/td><td class=\"column-3\">3.95%<\/td><td class=\"column-4\">3.65%<\/td><td class=\"column-5\">3.65%<\/td><td class=\"column-6\">3.70%<\/td><td class=\"column-7\">$1,000<\/td>\n<\/tr>\n<tr class=\"row-23 odd\">\n\t<td class=\"column-1\">Outlook Financial <\/td><td class=\"column-2\">3.85%<\/td><td class=\"column-3\">3.70%<\/td><td class=\"column-4\">3.60%<\/td><td class=\"column-5\">3.60%<\/td><td class=\"column-6\">3.55%<\/td><td class=\"column-7\">$1,000<\/td>\n<\/tr>\n<tr class=\"row-24 even\">\n\t<td class=\"column-1\">Peoples Bank of Canada<\/td><td class=\"column-2\">3.65%<\/td><td class=\"column-3\">3.65%<\/td><td class=\"column-4\">3.60%<\/td><td class=\"column-5\">3.50%<\/td><td class=\"column-6\">3.55%<\/td><td class=\"column-7\">$1,000<\/td>\n<\/tr>\n<tr class=\"row-25 odd\">\n\t<td class=\"column-1\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/royal-bank-canada-rbc-review\" rel=\"noopener\" target=\"_blank\">Royal Bank of Canada<\/a><\/td><td class=\"column-2\">up to 3.00%**<\/td><td class=\"column-3\">up to 3.05%**<\/td><td class=\"column-4\">2.80%<\/td><td class=\"column-5\">2.80%<\/td><td class=\"column-6\">up to 3.25%**<\/td><td class=\"column-7\">$1,000-$5,000<\/td>\n<\/tr>\n<tr class=\"row-26 even\">\n\t<td class=\"column-1\">Saven Financial <\/td><td class=\"column-2\">3.70%<\/td><td class=\"column-3\">3.60%<\/td><td class=\"column-4\">3.60%<\/td><td class=\"column-5\">3.50%<\/td><td class=\"column-6\">3.65%<\/td><td class=\"column-7\">$1,000<\/td>\n<\/tr>\n<tr class=\"row-27 odd\">\n\t<td class=\"column-1\">Scotiabank<\/td><td class=\"column-2\">2.85%<\/td><td class=\"column-3\">up to 3.10%**<\/td><td class=\"column-4\">up to 3.45%**<\/td><td class=\"column-5\">2.90%<\/td><td class=\"column-6\">up to 3.25%**<\/td><td class=\"column-7\">$500<\/td>\n<\/tr>\n<tr class=\"row-28 even\">\n\t<td class=\"column-1\">Simplii Financial<\/td><td class=\"column-2\">3.20%<\/td><td class=\"column-3\">3.10%<\/td><td class=\"column-4\">3.10%<\/td><td class=\"column-5\">3.20%<\/td><td class=\"column-6\">3.30%<\/td><td class=\"column-7\">$100<\/td>\n<\/tr>\n<tr class=\"row-29 odd\">\n\t<td class=\"column-1\"><a>Tangerine Bank<\/a><br \/>\n<sub><a href=\"https:\/\/www.nerdwallet.com\/ca\/go\/10208?section=rt\" rel=\"nofollow\">Apply Now<\/a><\/sub><\/td><td class=\"column-2\">3.45%<\/td><td class=\"column-3\">3.50%<\/td><td class=\"column-4\">3.50%<\/td><td class=\"column-5\">3.50%<\/td><td class=\"column-6\">3.55%<\/td><td class=\"column-7\">N\/A<\/td>\n<\/tr>\n<tr class=\"row-30 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/td-bank-review\" rel=\"noopener\" target=\"_blank\">TD Bank<\/a><\/td><td class=\"column-2\">3.00%<\/td><td class=\"column-3\">3.00%<\/td><td class=\"column-4\">3.00%<\/td><td class=\"column-5\">3.00%<\/td><td class=\"column-6\">3.25%<\/td><td class=\"column-7\">$1,000<\/td>\n<\/tr>\n<tr class=\"row-31 odd\">\n\t<td class=\"column-1\">WealthONE Bank of Canada<\/td><td class=\"column-2\">3.95%<\/td><td class=\"column-3\">3.95%<\/td><td class=\"column-4\">3.80%<\/td><td class=\"column-5\">3.70%<\/td><td class=\"column-6\">3.75%<\/td><td class=\"column-7\">$1,000-$5,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div><\/div>\n\n\n\n<p class=\"\"><em>*Rates reflect the APY of non-redeemable, non-registered fixed-rate GICs that pay interest annually<\/em><\/p>\n\n\n\n<p class=\"\"><em>**Promotional rates offered by the bank.<\/em><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<hr class=\"wp-block-separator has-text-color has-green-color has-alpha-channel-opacity has-green-background-color has-background is-style-default\" \/>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"What-to-know-about-GICs\">What to know about GICs<\/h2>\n\n\n\n<h5 class=\"wp-block-heading\">By <a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/barry-choi\">Barry Choi<\/a><\/h5>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-layout-3 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<p class=\"\">GICs appeal to many Canadians because they are guaranteed and considered safe investments. That said, certain&nbsp;<a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-gic-rates-in-canada#best-type-of-gic-for-you\">types of GICs<\/a>&nbsp;require you to lock in your funds, making it difficult to access your money until the end of the term or the maturity date. <\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<p class=\"\">Here&#8217;s all you need to know about GICs:<\/p>\n\n\n\n<ul class=\"\">\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-gic-rates-in-canada#what-is-a-gic\">What is a GIC?<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-gic-rates-in-canada#how-does-a-gic-work\">How does a GIC work?<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-gic-rates-in-canada#how-to-invest-in-a-gic\">How to invest in a GIC<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-gic-rates-in-canada#best-type-of-gic-for-you\">How to choose the best for you<\/a><\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"what-is-a-gic\" style=\"font-size:28px\">What is a GIC?<\/h3>\n\n\n\n<p class=\"\">A <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/what-is-a-gic\">guaranteed investment certificate (GIC)<\/a> is an investment product that gives you a guaranteed rate of return for a set period of time. You can purchase GICs with terms as short as 30 days or as long as 10 years. In a normal interest rate environment, you&#8217;ll typically get higher interest rates on longer-term GICs.&nbsp;<\/p>\n\n\n\n<p class=\"\">The amount of interest a GIC earns, or <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/apr-vs-apy\">annual percentage yield (APY)<\/a>, is determined at the time of purchase. It may be paid monthly, quarterly, semi-annually, annually, or at maturity. When your GIC matures or reaches the end of its term, you receive your principal back, plus any outstanding interest.<\/p>\n\n\n\n<div class=\"wp-block-nerdwallet-blocks-accordion is-style-default\" style=\"margin-top:var(--wp--preset--spacing--30);margin-bottom:var(--wp--preset--spacing--30)\"><div class=\"c-block-accordion-wrapper\"><div class=\"c-block-accordion-list\"><div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\">\n\t\t<div>\n\t\t\t<div class=\"c-block-accordion-item__title\">What is a GIC account?<\/div>\n\t\t\t\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\t<div class=\"c-block-accordion-item__content\">\n\t\t\n<div class=\"wp-block-nerdwallet-blocks-accordion-item\">\n<p class=\"\">GICs are a type of investment that you must be purchased within an account. The common types of investment accounts used to buy GICs are standard, non-registered investment accounts and registered accounts, like registered retirement savings plans <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/what-is-an-rrsp\">(RRSPs)<\/a> or tax-free savings accounts <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/what-is-a-tfsa\">(TFSAs)<\/a>.<\/p>\n\n\n\n<p class=\"\">Each type of account has different tax implications, so you\u2019ll want to do additional research or ask your financial institution whether a <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/registered-vs-non-registered-gics\">registered or non-registered GIC<\/a> is best for you.<\/p>\n\n\n\n<p class=\"\">Once you\u2019ve set up your accounts, purchasing GICs is a straightforward process.<\/p>\n<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\">\n\t\t<div>\n\t\t\t<div class=\"c-block-accordion-item__title\">What is the difference between GICs and term deposits?<\/div>\n\t\t\t\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\t<div class=\"c-block-accordion-item__content\">\n\t\t\n<div class=\"wp-block-nerdwallet-blocks-accordion-item\">\n<p class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/term-deposits-how-they-work\">Term deposits<\/a> and GICs are technically two similar products in the same <a href=\"https:\/\/www.nerdwallet.com\/ca\/investing\/asset-classes\">asset class<\/a>. Both pay a fixed interest rate for a fixed term. Both also typically require a minimum deposit to get started.<\/p>\n\n\n\n<p class=\"\">Some institutions use \u201cterm deposits\u201d to describe both GICs with terms for one year or more and other types of investments held for less than a year. However, many financial institutions use the names interchangeably or simply refer to all of their guaranteed investments as \u201cGICs.\u201d<\/p>\n<\/div>\n\t<\/div>\n<\/div>\n<\/div><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"how-does-a-gic-work\" style=\"font-size:28px\">How does a GIC work?<\/h3>\n\n\n\n<p class=\"\">When you buy a GIC, you\u2019re lending money to a financial institution. Because the financial institution is borrowing money from you, they\u2019ll pay you interest for the privilege. You can think of it as a role reversal compared to <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/how-to-get-a-bank-loan\">borrowing money from the bank<\/a>.<\/p>\n\n\n\n<p class=\"\">The financial institution that issues the GIC then takes that money and lends it to its customers at a higher <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/what-is-interest-rate\">rate of interest<\/a>, such as through a mortgage or line of credit \u2014 this is how you and the financial institution both end up making money on your GIC investment.<\/p>\n\n\n\n<p class=\"\">Generally, GICs lock in your principal deposit until the end of the term since the bank is lending the money they\u2019ve borrowed from you to someone else. They need to protect their <a href=\"https:\/\/www.nerdwallet.com\/ca\/personal-finance\/what-is-cash-flow\">cash flow<\/a> and make sure they have enough money coming in to cover what\u2019s going out. That said, cashable and redeemable GICs allow you to access your money before the end of the term, but they may come with a lower interest rate and <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/withdrawal-fee-explained\">early withdrawal fees<\/a>.<\/p>\n\n\n\n<p class=\"\">Once your GIC matures, you can withdraw your principal plus the interest earned. Alternatively, you can choose to reinvest those funds and purchase a new GIC automatically. <a href=\"#gic-ladder\">This approach<\/a> allows you to take advantage of <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/what-is-compound-interest\">compound interest<\/a> by making additional interest on your initial investment on top of the interest you\u2019ve already earned.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-medium-font-size\" style=\"font-style:normal;font-weight:400\">How much interest will you earn on a GIC?<\/h4>\n\n\n\n<p class=\"\">The amount of interest you\u2019ll earn on a GIC depends on the following:<\/p>\n\n\n\n<ul class=\"\">\n<li class=\"\"><strong>The financial institution.<\/strong> Each financial institution offers different GIC interest rates, so where you purchase your GICs matters.<\/li>\n\n\n\n<li class=\"\"><strong>Length of term.<\/strong> The term length and interest payment option you choose affect your GIC interest rate.&nbsp;<\/li>\n\n\n\n<li class=\"\"><strong>How the interest is calculated.<\/strong> GIC interest rates can be fixed, variable, or linked to the market. The type of interest rate and how it\u2019s affected by outside factors will impact your overall returns.<\/li>\n<\/ul>\n\n\n\n<p class=\"\">For instance, let\u2019s say you decide to invest $10,000 into a 1-year, non-redeemable GIC with a fixed interest rate of 3%. At the end of the term, you\u2019d get your initial investment of $10,000, plus $300 in interest. If you had chosen a different interest rate, term length, or <a href=\"#best-type-of-gic-for-you\">type of GIC<\/a>, you would have earned more or less interest.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"how-to-invest-in-a-gic\" style=\"font-size:28px\">How to invest in a GIC<\/h3>\n\n\n\n<p class=\"\">Investing in GICs is easy once you review your options and make some decisions. It\u2019s best to shop around, as each financial institution offers GICs with different terms and interest rates. Then you can choose a GIC that best fits your timeline and offers an attractive interest rate.<\/p>\n\n\n\n<p class=\"\">You can purchase GICs from the following sources:<\/p>\n\n\n\n<ul class=\"\">\n<li class=\"\"><strong>Banks and trust companies.<\/strong> People may gravitate towards Canada\u2019s \u201cBig Five,\u201d sometimes \u201cBig Six,\u201d banks. While there\u2019s nothing wrong with these major financial institutions, smaller banks, <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/online-banks-explained\">online-only banks<\/a>, and trust companies typically offer better rates to attract your business.<\/li>\n\n\n\n<li class=\"\"><strong>Credit unions and caisses populaires.<\/strong> <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/what-is-a-credit-union\">Credit unions<\/a>, or caisses populaires in Quebec, have become more popular banking options for Canadians. They also tend to offer GICs at competitive rates.<\/li>\n\n\n\n<li class=\"\"><strong>Online discount brokerages.<\/strong> <a href=\"https:\/\/www.nerdwallet.com\/ca\/investing\/investing-for-canadian-beginners#Self-directed\">Do-it-yourself investors<\/a> can purchase GICs directly through their discount brokerage accounts. You\u2019ll have to search for what\u2019s available for you to buy on your discount brokerage platform, as it may not list all the types of GICs available in the market.<\/li>\n\n\n\n<li class=\"\"><strong>Independent deposit brokers.<\/strong> Similar to mortgage brokers, independent deposit brokers work with several financial institutions to find you the best GIC rates. Once you choose a GIC, you\u2019ll buy it directly from the financial institution. The broker is basically a middleman.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" style=\"font-size:28px\">How to buy a GIC<\/h3>\n\n\n\n<p class=\"\">When you want to purchase GICs from the financial institution where you do your day-to-day banking, setting up a GIC account is straightforward. First, you\u2019ll need to set up a registered or non-registered account, which you can usually open online, over the phone, or at your local branch.<\/p>\n\n\n\n<p class=\"\">If you already have an RRSP, TFSA, or non-registered account, you can purchase GICs at any time. Every financial institution has a dedicated section for GICs on its website. You can see what\u2019s available and buy the GIC that best fits your goals. If you\u2019re new to the process and want some assistance, a bank advisor can help you set up your account and purchase GICs.<\/p>\n\n\n\n<p class=\"\">Keep in mind that every financial institution and service provider may have its own rules in place. There may be a minimum deposit amount required or even specific times when you can buy GICs online.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-normal-medium-font-size\" style=\"font-style:normal;font-weight:500\">Documents required to open a GIC account<\/h4>\n\n\n\n<p class=\"\">The documents required to open a GIC account are no different than those required to open a bank account. You would need to provide the following:<\/p>\n\n\n\n<ul class=\"\">\n<li class=\"\">Two forms of valid ID (passport, driver\u2019s licence, birth certificate)<\/li>\n\n\n\n<li class=\"\">Proof of residential address (utility or cellphone bill)<\/li>\n\n\n\n<li class=\"\">Social insurance number (SIN)<\/li>\n<\/ul>\n\n\n\n<p class=\"\">You generally don\u2019t have to be a Canadian citizen to open a GIC account, but you usually need to be the age of majority in the province or territory in which you reside. You will also have to fund your account before purchasing GICs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"best-type-of-gic-for-you\" style=\"font-size:28px\">How to choose the best type of GIC investment for you<\/h3>\n\n\n\n<p class=\"\">Before you <a href=\"https:\/\/www.nerdwallet.com\/ca\/investing\/how-to-start-investing\">start to invest<\/a>&nbsp;and purchase a GIC, be sure you understand what you\u2019re getting. There are different GIC interest rates, terms, and options available. The best GIC for someone else may not necessarily be the best one for you. You want to pick a GIC that lines up with your goals. Here\u2019s what to consider as you shop around.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-large-font-size\" style=\"font-style:normal;font-weight:400;text-transform:none\">GIC terms<\/h4>\n\n\n\n<p class=\"\" style=\"margin-top:0;margin-bottom:0\">GIC terms are the length of your investment. You can typically purchase GICs with terms between 30 days and 10 years.<\/p>\n\n\n\n<div class=\"wp-block-nerdwallet-blocks-accordion\" style=\"margin-top:var(--wp--preset--spacing--30);margin-bottom:var(--wp--preset--spacing--30)\"><div class=\"c-block-accordion-wrapper\"><div class=\"c-block-accordion-list\"><div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\">\n\t\t<div>\n\t\t\t<div class=\"c-block-accordion-item__title\">Long-term GICs<\/div>\n\t\t\t\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\t<div class=\"c-block-accordion-item__content\">\n\t\t\n<div class=\"wp-block-nerdwallet-blocks-accordion-item\">\n<p class=\"\">Long-term GICs are GICs that have terms of one year or more. These types of GICs are typically suitable for people with long investment time frames or who are looking for stability in their portfolios.<\/p>\n<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\">\n\t\t<div>\n\t\t\t<div class=\"c-block-accordion-item__title\">Short-term GICs<\/div>\n\t\t\t\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\t<div class=\"c-block-accordion-item__content\">\n\t\t\n<div class=\"wp-block-nerdwallet-blocks-accordion-item\">\n<p class=\"\">Short-term GICs, sometimes known as term deposits, have terms of less than one year, so 30 to 364 days. These types of GICs are aimed at people who want access to their funds sooner but would still like to earn some interest.<\/p>\n<\/div>\n\t<\/div>\n<\/div>\n<\/div><\/div><\/div>\n\n\n\n<h4 class=\"wp-block-heading has-large-font-size\" style=\"font-style:normal;font-weight:400;text-transform:none\">GIC interest rates<\/h4>\n\n\n\n<p class=\"\">GIC interest rates are what you\u2019ll be paid for investing your money in a financial institution. Knowing how they will calculate your interest is vital since it\u2019ll affect the overall performance of your GICs.<\/p>\n\n\n\n<div class=\"wp-block-nerdwallet-blocks-accordion\" style=\"margin-top:var(--wp--preset--spacing--30);margin-bottom:var(--wp--preset--spacing--30)\"><div class=\"c-block-accordion-wrapper\"><div class=\"c-block-accordion-list\"><div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\">\n\t\t<div>\n\t\t\t<div class=\"c-block-accordion-item__title\">Fixed-rate GICs<\/div>\n\t\t\t\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\t<div class=\"c-block-accordion-item__content\">\n\t\t\n<div class=\"wp-block-nerdwallet-blocks-accordion-item\">\n<p class=\"\">With fixed-rate GICs, you\u2019ll know exactly how much interest you\u2019ll earn before investing your money. However, you\u2019ll need to look into when the bank will your interest, as it can be annually, semi-annually, or monthly.<\/p>\n<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\">\n\t\t<div>\n\t\t\t<div class=\"c-block-accordion-item__title\">Variable-rate GICs<\/div>\n\t\t\t\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\t<div class=\"c-block-accordion-item__content\">\n\t\t\n<div class=\"wp-block-nerdwallet-blocks-accordion-item\">\n<p class=\"\">Variable-rate GICs, sometimes known as prime-linked GICs, protect your principal while giving you a variable interest rate linked to the financial institution\u2019s prime rate. If rates go up or down, the amount of interest your GIC earns will be adjusted accordingly.<\/p>\n<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\">\n\t\t<div>\n\t\t\t<div class=\"c-block-accordion-item__title\">Market-linked GICs<\/div>\n\t\t\t\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\t<div class=\"c-block-accordion-item__content\">\n\t\t\n<div class=\"wp-block-nerdwallet-blocks-accordion-item\">\n<p class=\"\">With <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/what-is-a-market-linked-gic\">market-linked GICs or equity-linked GICs<\/a>, the amount of interest you\u2019ll earn is tied to the underlying stock market index. When the markets are doing well, your interest rate increases. Even if the markets go on a downturn and your interest rate decreases, your principal investment is protected, just like a regular GIC.<\/p>\n<\/div>\n\t<\/div>\n<\/div>\n<\/div><\/div><\/div>\n\n\n\n<h4 class=\"wp-block-heading has-large-font-size\" style=\"font-style:normal;font-weight:400;text-transform:none\">GIC redeemability<\/h4>\n\n\n\n<p class=\"\">While all GICs have set terms, some types allow you to access your funds before the term is up. This flexibility can help people who are faced with an emergency and need immediate access to their capital.<\/p>\n\n\n\n<div class=\"wp-block-nerdwallet-blocks-accordion\" style=\"margin-top:var(--wp--preset--spacing--30);margin-bottom:var(--wp--preset--spacing--30)\"><div class=\"c-block-accordion-wrapper\"><div class=\"c-block-accordion-list\"><div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\">\n\t\t<div>\n\t\t\t<div class=\"c-block-accordion-item__title\">Cashable GICs<\/div>\n\t\t\t\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\t<div class=\"c-block-accordion-item__content\">\n\t\t\n<div class=\"wp-block-nerdwallet-blocks-accordion-item\">\n<p class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/what-is-a-cashable-gic\">Cashable GICs<\/a> typically have a locked-in window of 30-90 days. Once that period is up, you can access your funds early if you need them. If you choose to withdraw money from the GIC, you will receive interest calculated up to the day you withdrew funds.<\/p>\n<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\">\n\t\t<div>\n\t\t\t<div class=\"c-block-accordion-item__title\">Redeemable GICs<\/div>\n\t\t\t\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\t<div class=\"c-block-accordion-item__content\">\n\t\t\n<div class=\"wp-block-nerdwallet-blocks-accordion-item\">\n<p class=\"\">With redeemable GICs, you can access your money at any point after you make the purchase. While the redeemable route sounds like the clear winner, these types of GICs typically penalize early redemptions. As a result, you\u2019d likely receive much less interest than you would at the end of the term.<\/p>\n<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\">\n\t\t<div>\n\t\t\t<div class=\"c-block-accordion-item__title\">Non-redeemable GICs<\/div>\n\t\t\t\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\t<div class=\"c-block-accordion-item__content\">\n\t\t\n<div class=\"wp-block-nerdwallet-blocks-accordion-item\">\n<p class=\"\">As the name implies, <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/what-is-a-non-redeemable-gic\">non-redeemable GICs<\/a> lock in your funds until the term is up. As these types of GICs are not liquid, the financial institution compensates you with higher interest rates than cashable and redeemable GICs.<\/p>\n<\/div>\n\t<\/div>\n<\/div>\n<\/div><\/div><\/div>\n\n\n\n<h4 class=\"wp-block-heading has-large-font-size\" style=\"font-style:normal;font-weight:400;text-transform:none\">Types of GIC accounts<\/h4>\n\n\n\n<p class=\"\">GICs are investment products purchased within various account types.<\/p>\n\n\n\n<div class=\"wp-block-nerdwallet-blocks-accordion\" style=\"margin-top:var(--wp--preset--spacing--30);margin-bottom:var(--wp--preset--spacing--30)\"><div class=\"c-block-accordion-wrapper\"><div class=\"c-block-accordion-list\"><div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\">\n\t\t<div>\n\t\t\t<div class=\"c-block-accordion-item__title\">Registered vs. non-registered GICs: what\u2019s the difference?<\/div>\n\t\t\t\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\t<div class=\"c-block-accordion-item__content\">\n\t\t\n<div class=\"wp-block-nerdwallet-blocks-accordion-item\">\n<p class=\"\">Registered and non-registered GICs are held in different types of accounts. Since <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/tfsa-vs-rrsp\">RRSPs and TFSAs<\/a> are types of registered accounts, GICs held within them are registered. Conversely, GICs held in a non-registered account are referred to as non-registered.<\/p>\n<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\">\n\t\t<div>\n\t\t\t<div class=\"c-block-accordion-item__title\">TFSA GICs<\/div>\n\t\t\t\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\t<div class=\"c-block-accordion-item__content\">\n\t\t\n<div class=\"wp-block-nerdwallet-blocks-accordion-item\">\n<p class=\"\">You can <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/tfsa-gic-explained\">purchase GICs within your TFSA<\/a> as long as you follow the rules and limits set by the government. There\u2019s no tax break when you make a TFSA contribution, but there are also no taxes to be paid when you withdraw once your GIC matures.<\/p>\n<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\">\n\t\t<div>\n\t\t\t<div class=\"c-block-accordion-item__title\">RRSP GICs<\/div>\n\t\t\t\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\t<div class=\"c-block-accordion-item__content\">\n\t\t\n<div class=\"wp-block-nerdwallet-blocks-accordion-item\">\n<p class=\"\">RRSP contributions offer an immediate tax break. You can then use the funds in your <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/gic-rrsp-explained\">RRSP to buy GICs<\/a>. You won\u2019t pay taxes on any interest earned while the money is in the account. However, you\u2019ll be taxed at your marginal tax rate when you eventually withdraw the funds.<\/p>\n<\/div>\n\t<\/div>\n<\/div>\n<\/div><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"gic-investment-options-and-strategies\" style=\"font-size:28px\">GIC investment strategies and options to consider<\/h3>\n\n\n\n<p class=\"\">Since GICs are a safe investment product, they can be suitable for investors who want to protect their capital or balance their portfolios. Consider a few strategies and options to get the most out of GIC investing.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-medium-font-size\" id=\"gic-ladder\" style=\"font-style:normal;font-weight:400;text-transform:none\">GIC laddering<\/h4>\n\n\n\n<p class=\"\">A <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/gic-ladder\">GIC ladder<\/a> is a common GIC investment strategy in which you split your initial investment into equal pools, with each portion invested into GICs with different terms and interest rates.<\/p>\n\n\n\n<p class=\"\">For example, if you had $25,000 to invest, you could split it into five pools of $5,000. You would then buy five GICs, each of which has a different term: one, two, three, four, and five years. When each GIC matures, you would reinvest the proceeds into a new 5-year GIC or use the money as needed.<\/p>\n\n\n\n<p class=\"\">Buying GICs with different terms allows you to take advantage of higher interest rates. Over time, this strategy enables you to potentially earn more interest than the interest earned by investing the whole amount in a single 1-year GIC.<\/p>\n\n\n\n<p class=\"\">In addition, a GIC ladder can reduce risk. Interest rate changes won\u2019t affect your overall portfolio as much when you have GICs with different terms and interest rates. If rates have risen by the time each GIC matures, you can reinvest the money at a higher rate. Even if rates have dropped, you would have benefited from your initial investment. Finally, a ladder strategy means you can access a portion of your money each year when one of your GICs matures.<\/p>\n\n\n\n<p class=\"\">Most financial institutions can help you set up a GIC ladder. You can instruct them to reinvest your funds at maturity, so the ladder continues. If you think you\u2019ll need to access some funds after maturity, you\u2019ll need to let them know before the maturity date, so your funds aren\u2019t automatically reinvested.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-medium-font-size\" style=\"font-style:normal;font-weight:400\">Student GIC program<\/h4>\n\n\n\n<p class=\"\">Some <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-banks-for-international-students-in-canada\">financial institutions offer a student GIC program<\/a> aimed at international students looking to participate in the <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/student-direct-stream\">Student Direct Stream (SDS)<\/a>. The SDS is an expedited study permit for students from select countries who are pursuing higher education in Canada.<\/p>\n\n\n\n<p class=\"\">One of the <a href=\"https:\/\/www.canada.ca\/en\/immigration-refugees-citizenship\/services\/study-canada\/study-permit\/student-direct-stream\/eligibility.html\">requirements for SDS<\/a> is to show proof that the student has a GIC of $10,000 or more. Once the student arrives in Canada, they could open a <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/student-bank-accounts-explained\">student bank account<\/a> and start redeeming their GIC to pay for their living expenses.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"are-gics-worth-it\" style=\"font-size:28px\">Are GICs worth it?<\/h3>\n\n\n\n<p class=\"\">Given that GIC interest rates are typically lower than those available for other investments, many wonder <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/are-gic-investments-worth-it\">if GICs are worth it<\/a>. It depends on your goals and situation. GICs can be a good fit for your portfolio in some scenarios, including when:<\/p>\n\n\n\n<ul class=\"\">\n<li class=\"\"><strong>You have a short investment horizon.<\/strong> If you know you\u2019ll need your money in the next five years, investing in GICs is a way to protect your capital while earning some additional interest.<\/li>\n\n\n\n<li class=\"\"><strong>You\u2019re looking to balance your portfolio.<\/strong> Because GICs are considered a form of fixed income, they can balance out any riskier equities, like <a href=\"https:\/\/www.nerdwallet.com\/ca\/investing\/how-to-invest-in-stocks-canada\">investing in stocks<\/a>.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading has-medium-font-size\" style=\"font-style:normal;font-weight:500\">How secure is a GIC investment?<\/h4>\n\n\n\n<p class=\"\">GICs are considered one of the safest investments available to Canadians. That\u2019s because your principal investment is guaranteed not to lose value; in most cases, your interest is also guaranteed.<\/p>\n\n\n\n<p class=\"\">In addition, if you purchase your GICs from a financial institution that\u2019s a <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/banking-what-is-cdic-deposit-insurance\">Canadian Deposit Insurance Corporation (CDIC)<\/a> member, your deposits are covered for up to $100,000 per eligible account.<\/p>\n\n\n\n<p class=\"\">GICs purchases through a credit union are insured for up to $250,000 through the province or territory\u2019s regulatory authority. For example, the Financial Services Regulatory Authority of Ontario has a Deposit Insurance Reserve Fund (DIRF) for members.<\/p>\n\n\n\n<p class=\"\">This coverage means that if your financial institution were to fail, you would be able to recover your eligible deposits.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-medium-font-size\" style=\"font-style:normal;font-weight:500\">GIC pros and cons<\/h4>\n\n\n\n<p class=\"\">GICs may not be the best choice for someone seeking more growth opportunities or someone without an <a href=\"https:\/\/www.nerdwallet.com\/ca\/personal-finance\/what-is-an-emergency-fund\">emergency fund<\/a>, but it may be a worthwhile option if someone&#8217;s new to investing. Here are some pros and cons to consider before investing in a GIC: <\/p>\n\n\n\n<div class=\"wp-block-nerdwallet-blocks-pros-cons c-block-pros-cons\"><h5 class=\"c-block-pros-cons__pros-title\">GIC pros<\/h5><ul class=\"c-block-pros-cons__pros-values\"><li><strong>Low risk.<\/strong> Your principal investment is guaranteed.<\/li><li><strong>Interest can be guaranteed.<\/strong> With fixed-rate GICs, you\u2019ll know exactly how much interest you\u2019ll earn.<\/li><li><strong>Easy to understand.<\/strong> Generally, GICs are simple investment products with defined terms to follow.<\/li><li><strong>Your investment is safe.<\/strong> The CDIC, or a credit union regulatory authority, insures GICs.<\/li><\/ul><h5 class=\"c-block-pros-cons__cons-title\">GIC cons<\/h5><ul class=\"c-block-pros-cons__cons-values\"><li><strong>Not very liquid.<\/strong> Even though cashable and redeemable GICs are available, you may have to pay a penalty to access your funds early.<\/li><li><strong>Low rate of return.<\/strong> GICs have limited growth potential compared to market-linked products such as mutual funds, stocks or <a href=\"https:\/\/www.nerdwallet.com\/ca\/investing\/what-is-an-etf-in-investing\">exchange-traded funds (ETFs)<\/a>.<\/li><li><strong>May not beat inflation.<\/strong> Although GICs have a guaranteed return, their interest rates may not <a href=\"https:\/\/www.nerdwallet.com\/ca\/personal-finance\/what-is-inflation\">keep up with inflation<\/a>. That would result in you losing money over time.<\/li><li><strong>Interest earned is fully taxable.<\/strong> If you hold GICs in a non-registered account, any interest earned is fully taxable at your marginal tax rate. This cuts into your overall returns.<\/li><\/ul><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" style=\"font-size:28px;text-transform:none\">Alternatives to fixed-rate GICs<\/h3>\n\n\n\n<p class=\"\">If fixed-rate, non-redeemable GICs aren\u2019t the right fit for you, there are plenty of other alternatives available. You can choose from the numerous GIC options, including market-linked, registered, variable-rate and US-dollar term options offered by traditional and <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/online-banks-explained\">online banks<\/a>.<\/p>\n\n\n<div class=\"c-tablepress-table-wrapper\" style=\"overflow-x: auto;\">\n<table id=\"tablepress-519\" class=\"tablepress tablepress-id-519\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\"><\/th><th class=\"column-2\"><strong>Minimum deposit<\/strong><\/th><th class=\"column-3\"><strong>Are deposits insured?<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-rbc-gic-rates\">Best RBC GICs<\/a><\/td><td class=\"column-2\">Starting at $500<\/td><td class=\"column-3\">Yes, by the Canada Deposit Insurance Corporation.<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-national-bank-gic-rates\">Best National Bank GICs<\/a><\/td><td class=\"column-2\">Starting at $500<\/td><td class=\"column-3\">Yes, by the Canada Deposit Insurance Corporation.<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-td-gic-rates\">Best TD GICs<\/a><\/td><td class=\"column-2\">Starting at $500<\/td><td class=\"column-3\">Yes, by the Canada Deposit Insurance Corporation.<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-bmo-gic-rates\">Best BMO GICs<\/a><\/td><td class=\"column-2\">Starting at $1,000<\/td><td class=\"column-3\">Yes, by the Canada Deposit Insurance Corporation.<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-cibc-gic-rates\">Best CIBC GICs<\/a><\/td><td class=\"column-2\">Starting at $500<\/td><td class=\"column-3\">Yes, by the Canada Deposit Insurance Corporation.<\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-scotiabank-gic-rates\">Best Scotiabank GICs<\/a><\/td><td class=\"column-2\">Starting at $500<\/td><td class=\"column-3\">Yes, by the Canada Deposit Insurance Corporation.<\/td>\n<\/tr>\n<tr class=\"row-8 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/eq-bank-gic-rates\">Best EQ Bank GICs<\/a><\/td><td class=\"column-2\">Starting at $100<\/td><td class=\"column-3\">Yes, by the Canada Deposit Insurance Corporation.<\/td>\n<\/tr>\n<tr class=\"row-9 odd\">\n\t<td class=\"column-1\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-tangerine-bank-gic-rates\">Best Tangerine Bank GICs<\/a><\/td><td class=\"column-2\">N\/A<\/td><td class=\"column-3\">Yes, by the Canada Deposit Insurance Corporation.<\/td>\n<\/tr>\n<tr class=\"row-10 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-simplii-financial-gic-rates\">Best Simplii Financial GICs<\/a><\/td><td class=\"column-2\">Starting at $100<\/td><td class=\"column-3\">Yes, by the Canada Deposit Insurance Corporation.<\/td>\n<\/tr>\n<tr class=\"row-11 odd\">\n\t<td class=\"column-1\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/motive-financial-gic-rates\">Best Motive Financial GICs<\/a><\/td><td class=\"column-2\">Starting at $500<\/td><td class=\"column-3\">Yes, by the Canada Deposit Insurance Corporation.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n\n\n<h4 class=\"wp-block-heading has-medium-font-size\" style=\"font-style:normal;font-weight:500\">GIC alternatives<\/h4>\n\n\n\n<p class=\"\">GICs are just one type of investment product available to Canadians. As you build your portfolio, other types of <a href=\"https:\/\/www.nerdwallet.com\/ca\/investing\/fixed-income-investments-explained\">fixed-income products<\/a> and some equities are also worth considering.<\/p>\n\n\n<div class=\"c-block-tabs-wrapper \">\n\t<div role=\"tablist\" aria-label=\"Tabs\" class=\"c-block-tabs\">\n\t\t\t\t\t<div class=\"c-block-tabs__tab c-block-tabs__tab--active\"\n\t\t\t\t role=\"tab\"\n\t\t\t\t aria-selected=\"true\"\n\t\t\t\t aria-controls=\"0\"\n\t\t\t\t id=\"tab-0\"\n\t\t\t\t data-tabid=\"0\">GICs vs. Mutual funds<\/div>\n\t\t\t\t\t\t<div class=\"c-block-tabs__tab \"\n\t\t\t\t role=\"tab\"\n\t\t\t\t aria-selected=\"false\"\n\t\t\t\t aria-controls=\"1\"\n\t\t\t\t id=\"tab-1\"\n\t\t\t\t data-tabid=\"1\">GICs vs. Bonds<\/div>\n\t\t\t\t\t\t<div class=\"c-block-tabs__tab \"\n\t\t\t\t role=\"tab\"\n\t\t\t\t aria-selected=\"false\"\n\t\t\t\t aria-controls=\"2\"\n\t\t\t\t id=\"tab-2\"\n\t\t\t\t data-tabid=\"2\">GICs vs. HISAs<\/div>\n\t\t\t\t<\/div>\n\n\t<div class=\"c-block-tabs-all\">\n\t\t\n<div class=\"wp-block-nerdwallet-blocks-tabs\">\n<div class=\"wp-block-nerdwallet-blocks-tabs-content c-block-tabs-content\" data-tabid=\"0\" role=\"tabpanel\" aria-labelledby=\"tab-0\">\n<p class=\"\">Mutual funds are often brought up as an <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/gic-vs-mutual-fund\">alternative to GICs<\/a>, but it\u2019s not a fair comparison. Mutual funds are a pool of stocks, bonds or other products wrapped into a single investment product handled by a portfolio manager.<\/p>\n\n\n\n<p class=\"\">While <a href=\"https:\/\/www.nerdwallet.com\/ca\/investing\/what-are-mutual-funds-in-canada\">mutual funds<\/a> can help diversify your portfolio, the returns are not guaranteed. That said, some mutual funds focus on fixed-income investing, which means your money is relatively safe.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-nerdwallet-blocks-tabs-content c-block-tabs-content\" data-tabid=\"1\" role=\"tabpanel\" aria-labelledby=\"tab-1\">\n<p class=\"\">Governments, municipalities and even corporations can offer bonds for purchase. Generally, they pay a fixed level of income until maturity, like a GIC. The main difference is that bond yields can increase and decrease based on market conditions. In addition, you can usually opt in and out of bonds without fear of paying any penalties.<\/p>\n\n\n\n<p class=\"\">Although bonds are a relatively safe investment, the issuers can have different ratings for stability. Government bonds are typically highly rated and secure, whereas junk or high-yield bonds can be risky since the issuer could default.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-nerdwallet-blocks-tabs-content c-block-tabs-content\" data-tabid=\"2\" role=\"tabpanel\" aria-labelledby=\"tab-2\">\n<p class=\"\">Many digital banks offer <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-high-interest-savings-accounts\">high-interest savings accounts (HISAs)<\/a> with attractive interest rates. These rates are typically much higher than those offered by brick-and-mortar financial institutions. Some notable <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/gic-vs-hisa\">differences between a GIC and a HISA<\/a> are that GICs usually offer higher rates \u2014 but there\u2019s no locked-in period with a HISA. You can freely move your money in and out without any penalties or fees.<\/p>\n<\/div>\n<\/div>\n\t<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"\"><a href=\"#top\">Back to Top<\/a><\/p>\n<\/div>\n\n\n<div class=\"c-block-in-house-promotion is-advert-style__with-icon is-style-horizontal wp-block-nerdwallet-blocks-in-house-ad\">\n\n\t\t\t<div class=\"c-promotion-banner__partner-spotlight\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/plugins\/nerdwallet-blocks\/assets\/images\/nerdwallet-bug.svg\"\n\t\t\t\talt=\"Nerdwallet Logo\"\n\t\t\t\/>\n\t\t\t<span class=\"c-promotion-banner__partner-spotlight--title\">\n\t\t\t\tPartner Spotlight\t\t\t<\/span>\n\t\t<\/div>\n\t\n\t<div\n\t\tclass=\"c-block-in-house-promotion__inner\"\n\t\tstyle=\"background-image: none;\"\n\t>\n\n\t\t\t\t\t<div class='c-block-in-house-promotion__image-wrapper'>\n\t\t\t\t<div class='c-block-in-house-promotion__image'>\n\t\t\t\t\t<img decoding=\"async\" class=\"c-block-in-house-promotion__icon-img\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Simplii-Financial-Stacked-Left-RGB-Black.png\" alt=\"Ad Icon\" \/>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\n\t\t<div class=\"c-block-in-house-promotion__content-wrapper c-block-in-house-promotion__no-image\">\n\t\t\t\n\t\t\t<h3 class=\"c-block-in-house-promotion__title\">Simplii Financial\u2122 High Interest Savings Account<\/h3>\n\t\t\t\t\t\t\t<p class=\"c-block-in-house-promotion__content\">\n\t\t\t\t\tSpecial Offer: Earn 3.90% interest on eligible deposits for the first 5 months. Limits apply. Offer ends on March 31st, 2025. Put your savings in the fast lane with great rates and no monthly fees. Grow your savings. No matter what you\u2019re saving for, it\u2019s easier with Simplii\u2122.\t\t\t\t<\/p>\n\t\t\t\t\t<\/div>\n\n\t\t<div class=\"c-block-in-house-promotion__cta wp-block-button\"><a href=\"https:\/\/www.nerdwallet.com\/redirect\/a952cf72-5062-11ef-b3e8-8b546ab085af\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"nw-cta track-click-mon wp-block-button__link wp-element-button\" data-placement=\"Promotional banner\">APPLY NOW<\/a><\/div>\t<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-nerdwallet-blocks-faq c-block-faq\" itemscope itemtype=\"https:\/\/schema.org\/FAQPage\"><div class=\"c-block-faq__wrapper\"><div class=\"c-block-faq__header\"><h2 class=\"c-block-faq__title\"><\/h2><\/div><div class=\"c-block-faq__section-list\">\n<div class=\"wp-block-nerdwallet-blocks-faq-section\"><div class=\"c-block-faq-section c-block-accordion-wrapper\"><div class=\"c-block-accordion__header\"><h3 class=\"c-block-accordion__title\">Frequently asked questions about GICs<\/h3><\/div><div class=\"c-block-accordion-list\">\n<div class=\"c-block-faq-item c-block-accordion-item c-block-accordion-item--active\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"c-block-accordion-item__header\"><div class=\"c-block-accordion-item__title\" itemprop=\"name\">Can I get a 5% interest rate on a GIC?<\/div><\/div><div class=\"c-block-accordion-item__content\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div class=\"wp-block-nerdwallet-blocks-faq-item\" itemprop=\"text\">\n<p class=\"\">Currently, finding a GIC with a fixed 5.00% rate of return is unlikely. However, some financial institutions offers competitive GIC rates close to 4.00% for most terms, making it one of the better rates in today\u2019s market.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"c-block-faq-item c-block-accordion-item c-block-accordion-item--active\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"c-block-accordion-item__header\"><div class=\"c-block-accordion-item__title\" itemprop=\"name\">Is a GIC taxable?<\/div><\/div><div class=\"c-block-accordion-item__content\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div class=\"wp-block-nerdwallet-blocks-faq-item\" itemprop=\"text\">\n<p class=\"\">If you buy GICs within a tax-sheltered account such as your <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/tfsa-vs-rrsp\">RRSP or TFSA<\/a>, you won\u2019t pay taxes on any interest income you earn. With a TFSA, there are no taxes when you withdraw the funds. However, withdrawals are taxed at your marginal <a href=\"https:\/\/www.nerdwallet.com\/ca\/personal-finance\/tax-brackets-in-canada\">tax rate<\/a> with an RRSP.<\/p>\n\n\n\n<p class=\"\">If you purchase GICs in a non-registered account, any interest you earn would be considered <a href=\"https:\/\/www.nerdwallet.com\/ca\/personal-finance\/what-is-income-tax\">taxable income<\/a> at your marginal tax rate. Your financial institution issues tax slips during tax season, so you\u2019ll know exactly how much interest income you must report.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"c-block-faq-item c-block-accordion-item c-block-accordion-item--active\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"c-block-accordion-item__header\"><div class=\"c-block-accordion-item__title\" itemprop=\"name\"><strong>Which bank has the highest GIC rates in Canada?<\/strong><\/div><\/div><div class=\"c-block-accordion-item__content\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div class=\"wp-block-nerdwallet-blocks-faq-item\" itemprop=\"text\">\n<p class=\"\">NerdWallet Canada weekly selects the best GICs on several criteria from the top Big Six banks, online-only financial institutions, and credit unions.&nbsp;<\/p>\n\n\n\n<p class=\"\">The financial institutions offering the highest GIC rates in Canada as of Mar. 5, 2025, are:<\/p>\n\n\n\n<ul class=\"\">\n<li class=\"\">WealthONE Bank of Canada, 1-year GIC rate: <strong><strong>3.95%<\/strong><\/strong> <\/li>\n\n\n\n<li class=\"\">Home Trust, MCAN Wealth, Oaken Financial and WealthONE Bank of Canada, 2-year GIC rate: <strong><strong>3.95%<\/strong><\/strong><\/li>\n\n\n\n<li class=\"\">WealthONE Bank of Canada, 3-year GIC rate: <strong><strong>3.80%<\/strong><\/strong> <\/li>\n\n\n\n<li class=\"\">WealthONE Bank of Canada, 4-year GIC rate:&nbsp;<strong><strong>3.70%<\/strong><\/strong><\/li>\n\n\n\n<li class=\"\">WealthONE Bank of Canada, 5-year GIC rate: <strong><strong>3.75%<\/strong><\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"\">Use our table above to select terms and compare <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-gic-rates-in-canada#Compare-more-top-GIC-rates\">GIC rates from dozens of Canadian banks<\/a>.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n\t<section class=\"c-block-card-grid container\"\n\t\t\t>\n\t\t\t\t\t<h4 class=\"c-block-card-grid__title\">\n\t\t\t\tDIVE EVEN DEEPER\t\t\t<\/h4>\n\t\t\n\t\t<div class=\"c-block-card-grid-scroll column-four\">\n\t\t\t<div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-10500\" class=\"c-block-card post-10500 page type-page status-publish has-post-thumbnail hentry content-classification-banking topic-type-of-banking-accounts cluster-guaranteed-investment-certificates-gic\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-short-term-gic-rates\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"460\" height=\"191\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/short-term-gic-e1661972425722-460x191.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"Best Short-Term GIC Rates in Canada for March 2025\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-short-term-gic-rates\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tBest Short-Term GIC Rates in Canada for March 2025\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>Use a short-term GIC to earn interest on your savings and keep a strategic distance between yourself and that hard-earned cash. <\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/clay-jarvis\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/IMG_20220329_114424-150x150.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Clay Jarvis<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-10500 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-7993\" class=\"c-block-card post-7993 page type-page status-publish has-post-thumbnail hentry content-classification-banking topic-banking-syndications cluster-banking-syndications\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/good-time-to-buy-a-gic\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"460\" height=\"198\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/07\/GettyImages-1340530044-e1657219349852-460x198.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"Why Now Might Be a Good Time to Buy a GIC\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/good-time-to-buy-a-gic\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tWhy Now Might Be a Good Time to Buy a GIC\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>Rising interest rates, lower risk, and a guaranteed rate of return make GICs more attractive. Here are three reasons to add one to your portfolio.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/sandra-macgregor\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/07\/Sandra-MacGregor-e1626212852416-40x40.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Sandra MacGregor<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-7993 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-2668\" class=\"c-block-card post-2668 page type-page status-publish has-post-thumbnail hentry content-classification-banking topic-type-of-banking-accounts cluster-saving-account\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-high-interest-savings-accounts\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"460\" height=\"191\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/best-hisa-e1637338670681-460x191.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"Best High-Interest Savings Accounts in Canada for 2025\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-high-interest-savings-accounts\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tBest High-Interest Savings Accounts in Canada for 2025\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>Compare top interest rates and discover the best no-fee high-interest savings accounts (HISAs) in Canada. <\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/clay-jarvis\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/IMG_20220329_114424-150x150.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Clay Jarvis<\/a><a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/sjahagirdar\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/Headshot_Siddhi-Jahagirdar-e1648746969870-40x40.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Siddhi Bagwe<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-2668 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-6615\" class=\"c-block-card post-6615 page type-page status-publish has-post-thumbnail hentry content-classification-banking topic-type-of-banking-accounts cluster-guaranteed-investment-certificates-gic\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/gic-rrsp-explained\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"460\" height=\"198\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/05\/GettyImages-1314779118-e1653488399747-460x198.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"RRSP GIC: A Way to Invest In Your Retirement\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/gic-rrsp-explained\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tRRSP GIC: A Way to Invest In Your Retirement\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>Your registered retirement savings plan can hold guaranteed investment certificates. Putting a GIC in an RRSP has tax benefits that may boost your retirement savings.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/hannah-logan\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/07\/Hannah-Logan-e1626212867388-40x40.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Hannah Logan<\/a><a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/clay-jarvis\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/IMG_20220329_114424-150x150.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Clay Jarvis<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-6615 -->\n<\/div>\t\t<\/div>\n\t<\/section>\n\n","protected":false},"excerpt":{"rendered":"<p>The best GIC rates offer a safe, secure way to grow your money over a set term.<\/p>\n","protected":false},"author":27,"featured_media":7591,"parent":100,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_is_hidden":false,"apple_news_is_paid":false,"apple_news_is_preview":true,"apple_news_is_sponsored":false,"apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"middle","apple_news_slug":"","apple_news_sections":"[]","apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":"","_nw_pros_cons_block_schema":"{\"@context\":\"http:\/\/schema.org\",\"@type\":\"Product\",\"name\":\"Compare GIC Rates in Canada for 2025: Best 1- to 5-Year GICs\",\"review\":{\"@type\":\"Review\",\"name\":\"Compare GIC Rates in Canada for 2025: Best 1- to 5-Year GICs\",\"author\":{\"@type\":\"Person\",\"name\":\"Post Author\"},\"positiveNotes\":{\"@type\":\"ItemList\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Low risk. Your principal investment is guaranteed.\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Interest can be guaranteed. With fixed-rate GICs, you\u2019ll know exactly how much interest you\u2019ll earn.\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Easy to understand. Generally, GICs are simple investment products with defined terms to follow.\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Your investment is safe. The CDIC, or a credit union regulatory authority, insures GICs.\"}]},\"negativeNotes\":{\"@type\":\"ItemList\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Not very liquid. Even though cashable and redeemable GICs are available, you may have to pay a penalty to access your funds early.\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Low rate of return. GICs have limited growth potential compared to market-linked products such as mutual funds, stocks or exchange-traded funds (ETFs).\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"May not beat inflation. Although GICs have a guaranteed return, their interest rates may not keep up with inflation. That would result in you losing money over time.\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Interest earned is fully taxable. If you hold GICs in a non-registered account, any interest earned is fully taxable at your marginal tax rate. This cuts into your overall returns.\"}]}}}"},"content-classification":[15],"topic":[106],"cluster":[210],"pp_author":[307],"acf":[],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Compare GIC Rates in Canada for 2025: Best 1- to 5-Year GICs - NerdWallet<\/title>\n<meta name=\"description\" content=\"Compare the best guaranteed investment certificates (GIC) rates from 32+ Canadian banks and financial institutions.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-gic-rates-in-canada\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Compare GIC Rates in Canada for 2025: Best 1- to 5-Year GICs - NerdWallet\" \/>\n<meta property=\"og:description\" content=\"Compare the best guaranteed investment certificates (GIC) rates from 32+ Canadian banks and financial institutions.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-gic-rates-in-canada\" \/>\n<meta property=\"og:site_name\" content=\"NerdWallet Canada\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/NerdWallet\" \/>\n<meta property=\"article:modified_time\" content=\"2025-03-06T00:39:06+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/06\/best-gics-canada-e1656103928840.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2083\" \/>\n\t<meta property=\"og:image:height\" content=\"864\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@NerdWallet\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"16 minutes\" \/>\n\t<meta name=\"twitter:label2\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data2\" content=\"Siddhi Bagwe\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-gic-rates-in-canada\",\"url\":\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-gic-rates-in-canada\",\"name\":\"Compare GIC Rates in Canada for 2025: Best 1- to 5-Year GICs - 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