Rate guide · British Columbia · data as of 2026-10-16
Best GIC rates in British Columbia
Today's big game in British Columbia: the highest GIC rates from the banks, credit unions and trust companies that serve it, eligibility-checked before they're listed.
Top GIC rates in British Columbia
Best posted standard-term rate per institution; the term next to each rate is where that institution peaks.
- 1Oaken Financial5-year4.50%
- 2Wealth One Bank of Canada5-year4.50%
- 3Haventree Bank5-year4.35%
- 4MCAN Financial Group5-year4.35%
- 5B2B BankVia Broker5-year4.32%
- 6Achieva Financial5-year4.30%
- 7EQ Bank5-year4.30%
- 8Serenia Life FinancialGIA5-year · min $100,0004.30%
- 9Home Equity BankVia Broker5-year · min $5,0004.25%
- 10Hubert Financial5-year4.25%
- 11MAXA Financial5-year4.25%
- 12Outlook Financial5-year4.25%
- 13Tangerine Bank5-year4.25%
- 14Community TrustVia Broker4-year · min $5,0004.22%
- 15RFA Bank of CanadaVia Broker3-year · min $5,0004.20%
British Columbia GIC questions
Who has the best GIC rate in British Columbia right now?
Oaken Financial currently posts 4.50% (5-year) — the highest rate we track from institutions serving British Columbia, data as of 2026-10-16.
Are these rates open to people in British Columbia?
Yes — that's the point of this page. Every institution listed serves British Columbia: we check each one's membership eligibility and service area before it can appear, rather than listing national rates you may not qualify for.
Are these deposits insured?
Yes. Bank deposits are CDIC-insured up to $100,000 per category; credit-union deposits are covered by British Columbia's provincial fund — see deposit protection in British Columbia and our deposit-insurance guide.
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