We hunt.
You gather.^™

Somewhere in Canada, there's a rate worth hunting: the big game. That's where we come in. Each day, the RateHunter scouts search hundreds of sites, brands, and offers to bring you the very best rates from across Canada, wherever they are hiding. Let us know what you are looking for, we'll track it down for you.

220 Canadian Financial Brands
Data as of 2026-10-26

Best rates right now

Top deposit rates available in your region — change the province to compare.

Province

Top GICs

The best rate at each term, plus the best cashable GIC

4.05%Hubert Financial1-year GIC

+$355/yr vs a typical 0.5% account on $10k

LAST CHANGE Oct 1 · 3.85% → 4.05%

4.30%Wealth One Bank of Canada2-year GIC

+$380/yr vs a typical 0.5% account on $10k

LAST CHANGE Oct 19 · 4.25% → 4.30%

4.30%Haventree Bank3-year GIC

+$380/yr vs a typical 0.5% account on $10k

4.30% SINCE Oct 20

4.40%PenFinancial Credit Union4-year GIC

+$390/yr vs a typical 0.5% account on $10k

LAST CHANGE Oct 16 · 4.25% → 4.40%

5.25%Sunrise Credit Union5-year GIC

+$475/yr vs a typical 0.5% account on $10k

LAST CHANGE Oct 11 · 4.35% → 5.25%

4.00%Frontline Credit Union5-year cashable GIC · Promo

+$350/yr vs a typical 0.5% account on $10k

4.00% SINCE Sep 30

See all GIC rates →

Top savings accounts

The best rate at each institution

4.60%CIBCDaily interest savings · Promo

+$410/yr vs a typical 0.5% account on $10k

4.60% SINCE Sep 7

4.60%Steinbach Credit UnionDaily interest savings · Promo

+$410/yr vs a typical 0.5% account on $10k

4.60% SINCE Sep 8

4.50%Kindred Credit UnionHigh-interest savings

+$400/yr vs a typical 0.5% account on $10k

4.50% SINCE Oct 26

4.40%Meridian Credit UnionHigh-interest savings · Promo

+$390/yr vs a typical 0.5% account on $10k

4.40% SINCE Aug 29

3.50%KOHOHigh-interest savings

+$300/yr vs a typical 0.5% account on $10k

3.50% SINCE Sep 7

3.25%Access Credit UnionDaily interest savings

+$275/yr vs a typical 0.5% account on $10k

3.25% SINCE Aug 31

See all savings rates →

Top mortgage rates

The lowest closed fixed rate at each term, plus the lowest 5-year variable

3.49%PenFinancial Credit Union1-year fixed · Promo

≈ $1,995/month on $400k over 25 years

3.49% SINCE Aug 26

4.04%Fusion Credit Union2-year fixed · Promo

≈ $2,113/month on $400k over 25 years

4.04% SINCE Oct 14

3.85%Bulkley Valley Credit Union3-year fixed · Promo

≈ $2,072/month on $400k over 25 years

3.85% SINCE Oct 19

4.03%Rocky Credit Union4-year fixed · Promo

≈ $2,111/month on $400k over 25 years

4.03% SINCE Oct 16

3.89%Lake View Credit Union5-year fixed · Promo

≈ $2,080/month on $400k over 25 years

3.89% SINCE Aug 31

3.44%Meridian Credit Union5-year variable · Insured

≈ $1,984/month on $400k over 25 years

3.44% SINCE Aug 29

See all mortgage rates →

Rate news

What's moving in Canadian rates — reported from the same data that powers our rate boards, not from press releases.

All rate news →Industry Voices →

GICsRate check, October 2026: TD, National Bank and BMO lift GIC rates by up to 0.55 pointsRatehunter · October 13, 2026

Compound interest at today's real Canadian rates (not a 5% hypothetical)

Compound interest worked at real rates from our boards: $10,000 at the top 5-year GIC rate of 4.30% grows to $12,343.02, which is $193.02 more than simple interest, and doubles in roughly 17 years by the Rule of 72. Current to our August 26 data.

Ratehunter · October 1, 2026

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Latest rate movers

Who moved, which way, and by how much.

Institution	What moved	Change	Top rate moved ⇅	As of
Concentra Bank	GIC31 rates repriced	▲▼ −0.40 to +0.35	4.15%4-year	Oct 26
B2B BankVia Broker	GIC28 rates repriced	▲▼ −0.18 to +0.07	4.10%3-year	Oct 26
Home BankVia Broker	GIC21 rates repriced	▲ +0.05	3.92%2-year	Oct 26
Home TrustVia Broker	GIC21 rates repriced	▲ +0.05	3.92%2-year	Oct 26
The Police Credit Union	GIC21 rates repriced	▲ +0.10 to +1.10	4.00%5-year	Oct 26
Community TrustVia Broker	GIC20 rates repriced	▲ +0.06 to +0.07	4.11%4-year · min $5,000	Oct 26
Christian Credit Union	GIC18 rates repriced	▲▼ −0.05 to +0.05	3.15%2-year · min $250,000	Oct 26
Teachers Plus Credit Union	GIC18 rates repriced	▲ +0.40 to +0.55	3.50%5-year	Oct 26
SBI Canada Bank	GIC15 rates repriced	▲ +0.15 to +0.25	3.60%5-year	Oct 26
Prairie Pride Credit Union	GIC13 rates repriced	▲▼ −0.45 to +0.10	3.50%4.6-year	Oct 26
Equitable BankVia Broker	GIC10 rates repriced	▲ +0.09	3.57%1-year	Oct 26
Sunshine Coast Credit Union	GIC10 rates repriced	▲ +0.10	3.70%4-year	Oct 26
Northern Birch Credit Union	Mortgage9 rates repriced	▲ +0.14 to +0.35	5.24%2-year	Oct 26
Teachers Plus Credit Union	Mortgage7 rates repriced	▲▼ −0.51 to +0.75	7.74%1-year	Oct 26
The Police Credit Union	Mortgage6 rates repriced	▲ +0.10	5.44%1-year	Oct 26
Pathwise Credit Union	Mortgage5 rates repriced	▲ +0.15 to +0.20	4.89%4-year	Oct 26
Wealth One Bank of Canada	GIC5 rates repriced	▲ +0.15 to +0.20	4.10%1.5-year	Oct 26
Wealth One Bank of Canada	Mortgage5 rates repriced	▲ +0.05 to +0.19	5.69%3-year	Oct 26
General Bank of CanadaVia Broker	GIC4 rates repriced	▲ +0.05 to +0.06	4.12%3-year · min $5,000	Oct 26
Kawartha (a division of Libro)	GIC4 rates repriced	▲ +0.10	3.85%1.3-year	Oct 26
Santander Consumer BankVia Broker	GIC4 rates repriced	▲ +0.09 to +0.10	4.05%2-year	Oct 26
VersaBankVia Broker	GIC4 rates repriced	▼ −0.11	3.49%1-year	Oct 26
Nelson & District Credit Union	Mortgage3 rates repriced	▲ +0.12 to +0.20	4.26%5-year	Oct 26
Flin Flon Credit Union	Mortgage2 rates repriced	▲ +0.04 to +0.20	4.29%5-year	Oct 26
Ganaraska Credit Union	Mortgage2 rates repriced	▼ −0.50 to −0.40	4.59%5-year	Oct 26
Questbank	GIC2 rates repriced	▼ −0.01	4.00%3-year · min $5,000	Oct 26
UNI Financial Cooperation	Mortgage2 rates repriced	▲ +0.20	4.99%4-year	Oct 26
RBC Royal Bank	Mortgage1 rate repriced	▲ +0.30	4.45%5-year	Oct 26
Taiwanese-Canadian Toronto Credit Union	Mortgage1 rate repriced	▲ +0.06	6.05%3-year	Oct 26
Industrial Alliance	GIC96 rates repriced	▲▼ −0.05 to +0.05	4.30%10-year · min $200,000	Oct 25
Canada Life	GIC30 rates repriced	▲ +0.05 to +0.15	4.40%10-year	Oct 25
Taiwanese-Canadian Toronto Credit Union	Mortgage19 rates repriced	▲▼ −0.06 to +1.40	6.89%6-month	Oct 25
Shinhan Bank Canada	Mortgage8 rates repriced	▲ +0.05 to +0.10	6.19%5-year	Oct 25
Desjardins - Caisses	Mortgage6 rates repriced	▲ +0.05 to +0.25	6.19%5-year	Oct 25
Kingston Community Credit Union	Mortgage6 rates repriced	▲ +0.09 to +0.11	5.10%1-year	Oct 25
Community TrustVia Broker	Mortgage5 rates repriced	▼ −0.35 to −0.10	5.59%5-year	Oct 25
League Savings & Mortgage	Mortgage5 rates repriced	▼ −0.20	5.60%1-year	Oct 25
Caisse Alliance	Mortgage4 rates repriced	▲▼ −0.26 to +1.55	6.49%5-year	Oct 25
Assiniboine Credit Union	Mortgage3 rates repriced	▲▼ −0.20 to +0.10	4.39%5-year	Oct 25
Compass Credit Union	Mortgage3 rates repriced	▲▼ −0.70 to +0.10	4.39%2-year	Oct 25
Compass Credit Union	Savings3 rates repriced	▲ +0.10	1.60%min $250,000	Oct 25
FirstOntario Credit Union	Savings1 rate repriced	▼ −0.25	0.05%	Oct 20
Frontline Credit Union	Savings1 rate repriced	▲ +0.50	0.75%	Oct 20
Sun Life - Insurance	Savings1 rate repriced	▼ −2.25	0.25%	Oct 17
Achieva Financial	Savings1 rate repriced	▼ −0.15	1.80%	Oct 16
Winnipeg Police Credit Union	Savings2 rates repriced	▲ +0.30	1.95%min $100,000	Oct 15
Prospera Credit Union	Savings1 rate repriced	▼ −0.10	0.50%	Oct 15
Churchbridge Credit Union	Savings4 rates repriced	▲ +0.05 to +0.15	1.25%min $100,000	Oct 11
Hubert Financial	Savings1 rate repriced	▲ +0.20	2.50%	Oct 11
Kawartha (a division of Libro)	Savings1 rate repriced	▼ −2.25	2.25%	Oct 11
Sunshine Coast Credit Union	Savings1 rate repriced	▼ −0.10	0.50%min $5,000	Oct 11
St. Stanislaus-St. Casimir's CU	Savings1 rate repriced	▼ −0.05	0.00%	Sep 28
Outlook Financial	Savings1 rate repriced	▲ +0.15	1.95%	Aug 26
BMO Bank of Montreal	Savings3 rates repriced	▼ −0.05	0.50%	Aug 4

"As of" is the day we recorded the new rate, which can trail the day an institution changed it. Rates held for review are not listed until they clear. How we track rates →

We hunt.You gather.™