Rate guide · data as of 2026-10-16

Best 3-Year GIC Rates

All Canada

Looking for the best 3-year GIC rate for your money? We rank every 3-year GIC we track across Canadian banks, credit unions and trust companies — so your next move is the right one.

Holding it in a registered account? See the best TFSA rates, RRSP rates and FHSA rates.

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Top 3-year GIC rates in All Canada

ⓘ The best 3-year rates we track for your filters.

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Rates move with every delivery. Get rate alerts from Ratehunter and you'll be the first to know when a higher 3-year GIC rate lands.

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Related reading

GIC laddering: build a five-year ladder at today's best rates

A $50,000 five-rung GIC ladder built with the best rate per term on our boards earns $2,070 in year one, $501 more than the same ladder at big-bank average posted rates. Every rung priced from live board data, current to August 26.

Ratehunter · September 16, 2026

Top 10 3-Year GIC rates in All Canada

ⓘ The top ten rates in your selected region — one per institution.

  1. 1Wealth One Bank of CanadaNon-registered4.40%
  2. 2MCAN Financial GroupNon-registered4.30%
  3. 3Oaken FinancialNon-registered4.30%
  4. 4Saven FinancialFHSA GIC4.30%
  5. 5Haventree BankNon-registered4.25%
  6. 6B2B BankVia BrokerNon-registered4.23%
  7. 7Community TrustVia BrokerNon-registered4.21%
  8. 8Pathwise Credit UnionFHSA GIC4.20%
  9. 9RFA Bank of CanadaVia BrokerNon-registered4.20%
  10. 10General Bank of CanadaVia BrokerNon-registered4.17%

3-year GIC rate history

Best posted non-registered rate across the institutions we track

Series
Latest3.20%Oct 14, 2026
Last change+0.65%Sep 30, 2026
High4.02%Sep 27, 2023
Low0.60%Aug 25, 2021
5%3.75%2.50%1.25%0%202120222023202420252026

Tracked since Aug 25, 2021 · 63 snapshots

Big-bank posted average: Bank of Canada, month-end values, five years — the chartered-bank baseline, not the best rate on the market. How the BoC rate shapes yours →

Understanding GIC terms

What is a GIC?

A Guaranteed Investment Certificate (GIC) is a Canadian deposit where you commit a lump sum for a fixed term — typically 30 days to 5 years — in exchange for a guaranteed interest rate. Your principal can't lose value, which makes it one of the safest ways to grow savings.

Why invest in a GIC?

The rate is locked in at purchase, so your return is predictable no matter what happens to interest rates during the term. GICs are useful for capital you can't afford to put at risk, for laddering fixed-income, and for holding inside a TFSA or RRSP where the interest grows tax-sheltered.

How do I choose a 3-year term?

A 3-year GIC locks your rate for 3 years. Shorter terms keep you flexible if rates rise; longer terms usually pay more and suit money you won't need for a while. Either way, compare redeemable vs. non-redeemable — non-redeemable locks your funds but typically pays more.

Get started today

Use the table below to compare every 3-year GIC available in your region, then confirm the current rate and terms directly with the institution before you buy. Rates change often — we refresh ours with every data delivery.

Education Centre

GIC Basics

What is a GIC?

A plain-language guide to guaranteed investment certificates.

Read more →
Insurance

Deposit insurance in Canada

CDIC vs provincial funds — who covers what, and where it's unlimited.

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Best GIC rates by term

1-, 2-, 3-, 4- and 5-year leaderboards in one place.

Read more →

All 3-year GIC rates in All Canada

ⓘ Every 3-year GIC rate we track in your region — best per institution and account type.

Highlighted rows are promo rates
Financial institutionMin balance+/−Rate %
Wealth One Bank of Canada——4.40%
MCAN Financial Group——4.30%
Oaken Financial——4.30%
Saven Financial——4.30%
Haventree Bank——4.25%
B2B BankVia Broker——4.23%
Community TrustVia Broker$5,000↓0.034.21%
Pathwise Credit Union——4.20%
RFA Bank of CanadaVia Broker$5,000—4.20%
General Bank of CanadaVia Broker$5,000↓0.024.17%
Questbank$5,000↑0.064.16%
EQ Bank——4.15%
Serenia Life FinancialGIA$100,000—4.15%
Home Equity BankVia Broker$5,000↓0.054.13%
VersaBankVia Broker——4.13%
Santander Consumer BankVia Broker——4.11%
Concentra Bank$5,000—4.10%
Home TrustVia Broker$10,000—4.10%
Steinbach Credit Union$250,000—4.10%
Tangerine Bank——4.10%
Home BankVia Broker—↓0.044.06%
Home TrustVia Broker—↓0.044.06%
Hubert Financial——4.05%
MAXA Financial——4.05%
Outlook Financial——4.05%
Steinbach Credit Union$100,000—4.05%
Access Credit Union——4.00%
Belgian Alliance Credit Union——4.00%
Equity Credit Union——4.00%
Mainstreet Credit Union——4.00%
Meridian Credit Union——4.00%
Steinbach Credit Union——4.00%
Weyburn Credit Union——4.00%
Winnipeg Police Credit Union——4.00%
Assiniboine Credit Union——3.95%
Laurentian Bank——3.95%
League Savings & Mortgage—↑0.203.95%
Equitable BankVia Broker—↓0.073.94%
President's Choice Bank—↓0.103.92%
Achieva Financial——3.90%
Lighthouse Credit Union$3,000—3.90%
Serenia Life FinancialGIA$50,000—3.90%
B2B BankVia Broker$10,000—3.85%
First Credit Union——3.85%
Fusion Credit Union——3.85%
Ma Financière——3.85%
Vancity——3.85%
BCU Financial——3.80%
Cambrian Credit Union——3.80%
Manulife Bank$2,500—3.80%
Niverville Credit Union——3.80%
Envision Financial (Tru)——3.76%
Acadian Credit Union——3.75%
Beaubear Credit Union——3.75%
Caisse populaire de Clare——3.75%
Glace Bay Central Credit Union——3.75%
Kindred Credit Union$25,000—3.75%
League Savings & Mortgage——3.75%
National Bank (incl. former CWB retail)——3.75%
NBTA Credit Union——3.75%
Southwest Regional Credit Union——3.75%
St. Joseph's Credit Union——3.75%
Steinbach Credit Union——3.75%
Sydney Credit Union——3.75%
Bridgewater Bank$5,000—3.72%
Atlantic Edge——3.70%
Compass Credit Union——3.70%
DUCA——3.70%
FirstOntario Credit Union——3.70%
Manulife Bank$10,000—3.70%
Northern Credit Union——3.70%
Stride Credit Union——3.70%
Sunrise Credit Union——3.70%
The Police Credit Union——3.70%
Coastal Community Credit Union——3.65%
First Credit Union——3.65%
Integris Credit Union——3.65%
Me-Dian Credit Union——3.65%
SASCU——3.65%
Serenia Life FinancialGIA——3.65%
Vancity——3.65%
Beem Credit Union——3.60%
Cape Breton Credit Union——3.60%
Luminus Financial——3.60%
Pathwise Credit Union——3.60%
Resurrection Credit Union——3.60%
SASCU——3.60%
UV InsuranceVia BrokerGIA$500,000—3.60%
Vancity——3.60%
Your Credit Union——3.60%
UV InsuranceVia BrokerGIA$200,000—3.55%
VantageOne Credit Union——3.55%
YNCU$100,000—3.55%
Coast Capital Savings——3.50%
EquitableGIA$500,000—3.50%
Parama Credit Union——3.50%
Prospera Credit Union——3.50%
Sun Life - Trust—↓0.053.50%
Sunshine Coast Credit Union——3.50%
Ukrainian Credit Union——3.50%
UV InsuranceVia BrokerGIA$100,000—3.50%
YNCU$20,000—3.50%
Beaubear Credit Union——3.45%
Cascadia Credit Union——3.45%
Conexus Credit Union——3.45%
EquitableGIA$200,000—3.45%
Moya Financial——3.45%
Northern Savings Credit Union——3.45%
Public Service Credit Union——3.45%
VantageOne Credit Union——3.45%
YNCU——3.45%
Desjardins - Caisses——3.40%
EquitableGIA——3.40%
HMECU——3.40%
Manulife InvestmentsGIA$500,000↓0.053.40%
OPPA Credit Union——3.40%
Servus Credit Union——3.40%
Talka Credit Union——3.40%
Thorold Community Credit Union——3.40%
UV InsuranceVia BrokerGIA$50,000—3.40%
Fusion Credit Union——3.35%
Kawartha (a division of Libro)——3.35%
Libro Credit Union——3.35%
Manulife InvestmentsGIA$200,000↓0.053.35%
Oshawa Community Credit Union——3.35%
SBI Canada Bank——3.35%
Shinhan Bank Canada——3.35%
TransCanada Credit Union——3.35%
UV InsuranceVia BrokerGIA$25,000—3.35%
Vermilion Credit Union——3.35%
BMO Bank of Montreal——3.30%
CIBC——3.30%
Desjardins - Caisses$10,000—3.30%
Desjardins - Caisses$5,000—3.30%
Dundalk District Credit Union——3.30%
Industrial AllianceGIA$200,000↓0.053.30%
Lakeland Credit Union——3.30%
Manulife InvestmentsGIA$100,000↓0.053.30%
Motor City Credit Union——3.30%
Northern Birch Credit Union——3.30%
PenFinancial Credit Union——3.30%
Shinhan Bank Canada$100,000 / $500,000—3.30%
St. Stanislaus-St. Casimir's CU——3.30%
TD Canada Trust——3.30%
Frontline Credit Union——3.25%
Industrial AllianceGIA$100,000↓0.053.25%
Innovation Federal CU——3.25%
Manulife InvestmentsGIA$50,000↓0.053.25%
Peoples Bank——3.25%
Shinhan Bank Canada$50,000—3.25%
Sun Life - InsuranceGIA—↓0.053.25%
UNI Financial Cooperation——3.25%
UV InsuranceVia BrokerGIA$10,000—3.25%
Bay Credit Union——3.20%
Industrial AllianceGIA$25,000↓0.053.20%
Kingston Community Credit Union——3.20%
Kootenay Savings Credit Union——3.20%
Manulife InvestmentsGIA$2,500↓0.053.20%
Shinhan Bank Canada$5,000—3.20%
Envision Financial (Tru)——3.20%
Valley Credit Union——3.20%
Simplii Financial——3.15%
Biggar & District Credit Union——3.15%
FirstOntario Credit Union——3.15%
Golden Horseshoe Credit Union$100,000—3.15%
Innovation Federal CU——3.15%
Shinhan Bank Canada——3.15%
Sun Life - Trust—↓0.053.15%
UV InsuranceVia BrokerGIA——3.15%
Vancouver Firefighters CU——3.15%
1st Choice Savings——3.10%
Alterna Bank——3.10%
Alterna Savings——3.10%
Christian Credit Union$1,000,000—3.10%
DUCA——3.10%
KEB Hana Bank Canada——3.10%
Kootenay Savings Credit Union——3.10%
Ontario Educational Credit Union——3.10%
Peace Hills Trust——3.10%
Shinhan Bank Canada——3.10%
Sun Life - InsuranceGIA——3.10%
Tandia——3.10%
TCU Financial Group——3.10%
The Energy Credit Union——3.10%
Scotiabank$5,000 / $100,000—3.07%
Canada LifeGIA—↓0.153.05%
Christian Credit Union$500,000—3.05%
Golden Horseshoe Credit Union$50,000—3.05%
Industrial AllianceGIA—↓0.053.05%
Envision Financial (Tru)——3.01%
Accent Credit Union$5,000—3.00%
Alterna Savings——3.00%
Bruno Savings & Credit Union——3.00%
Bruno Savings & Credit Union——3.00%
Christian Credit Union$250,000—3.00%
Frontline Credit Union$25,000—3.00%
KEB Hana Bank Canada$100,000—3.00%
Lafleche Credit Union——3.00%
OMISTA Credit Union——3.00%
Servus Credit Union——3.00%
Williams Lake and District Credit Union——3.00%
Alterna Savings——2.95%
Christian Credit Union——2.95%
East Coast Credit Union——2.95%
Edam Credit Union——2.95%
KEB Hana Bank Canada$50,000—2.95%
KEB Hana Bank Canada$100,000—2.95%
Prosperity Credit Union——2.95%
WFCU Credit Union——2.95%
Biggar & District Credit Union——2.90%
Golden Horseshoe Credit Union$25,000—2.90%
KEB Hana Bank Canada$5,000—2.90%
KEB Hana Bank Canada$50,000—2.90%
Khalsa Credit Union——2.90%
Saskatoon City Employees Credit Union——2.90%
Stoughton Credit Union——2.90%
Servus Credit Union$5,000—2.88%
Brunswick Credit Union——2.85%
Edam Credit Union——2.85%
Ganaraska Credit Union——2.85%
GVCCU$5,000—2.85%
KEB Hana Bank Canada——2.85%
KEB Hana Bank Canada$5,000—2.85%
Kerrobert Credit Union——2.85%
Luseland Credit Union——2.85%
Nelson & District Credit Union——2.85%
New Waterford Credit Union——2.85%
Prairie Pride Credit Union——2.85%
Provincial Credit Union——2.85%
SASCU——2.85%
Affinity Credit Union——2.80%
Blackville Credit Union——2.80%
Dodsland and District Credit Union——2.80%
Dominion Credit Union——2.80%
Flin Flon Credit Union——2.80%
KEB Hana Bank Canada——2.80%
Weyburn Credit Union——2.80%
Caisse Alliance——2.75%
Golden Horseshoe Credit Union$10,000—2.75%
GVCCU——2.75%
Mosaik Credit Union——2.75%
Taiwanese-Canadian Toronto Credit Union——2.75%
Unity Credit Union——2.75%
Unity Credit Union——2.75%
Community Savings Credit Union——2.70%
Conexus Credit Union——2.70%
Consolidated Credit Union——2.70%
Golden Horseshoe Credit Union——2.70%
Rockglen-Killdeer Credit Union——2.70%
Rocky Credit Union——2.70%
IC Savings——2.65%
Public Service Credit Union——2.65%
Souris Credit Union——2.65%
Teachers Plus Credit Union——2.65%
CIBC$5,000—2.60%
Community Credit Union——2.60%
CUA——2.60%
Effort Trust——2.60%
iNova Credit Union——2.60%
NLCU——2.60%
SBI Canada Bank——2.60%
Scotiabank$5,000 / $25,000 / $100,000 / $250,000—2.60%
Sudbury Credit Union——2.60%
Bulkley Valley Credit Union——2.55%
Churchbridge Credit Union——2.55%
RBC Royal Bank——2.55%
Sandhills Credit Union——2.55%
StellerVista Credit Union——2.55%
Williams Lake and District Credit Union——2.55%
Community Savings Credit Union——2.50%
Reddy Kilowatt Credit Union——2.50%
TD Canada Trust——2.50%
BMO Bank of Montreal——2.45%
Bulkley Valley Credit Union——2.45%
Canadian Tire Bank——2.45%
Community Savings Credit Union——2.45%
RBC Royal Bank——2.45%
Sunshine Coast Credit Union——2.45%
VantageOne Credit Union——2.40%
Venture Credit Union——2.40%
Creston & District Credit Union——2.35%
Community Credit Union——2.30%
L.I.U.N.A. Local 183 Credit Union——2.30%
Community Savings Credit Union——2.15%
Kootenay Savings Credit Union——2.15%
CIBC$100,000 / $250,000 / $1,000,000—2.10%
OP Credit Union——2.10%
OP Credit Union——2.10%
GVCCU——1.90%
Ladysmith & District Credit Union——1.75%
Integris Credit Union——1.70%
Rocky Credit Union——1.70%
Creston & District Credit Union——1.40%
Prairie Pride Credit Union——1.40%
First Nations Bank of Canada——1.35%
First Nations Bank of Canada——0.95%
Ladysmith & District Credit Union——0.75%
Sandhills Credit Union——0.75%
Shinhan Bank Canada$10,000—0.75%
St. Stanislaus-St. Casimir's CU——0.60%
National Bank (incl. former CWB retail)——0.45%
CIBC$5,000 / $100,000 / $250,000—0.35%
Laurentian Bank——0.29%