Rate guide · Quebec · data as of 2026-10-16
Best GIC rates in Quebec
Today's big game in Quebec: 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 Quebec
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%
- 10MAXA Financial5-year4.25%
- 11Outlook Financial5-year4.25%
- 12Tangerine Bank5-year4.25%
- 13Community TrustVia Broker4-year · min $5,0004.22%
- 14RFA Bank of CanadaVia Broker3-year · min $5,0004.20%
- 15Canadian Tire Bank5-year4.20%
Quebec GIC questions
Who has the best GIC rate in Quebec right now?
Oaken Financial currently posts 4.50% (5-year) — the highest rate we track from institutions serving Quebec, data as of 2026-10-16.
Are these rates open to people in Quebec?
Yes — that's the point of this page. Every institution listed serves Quebec: 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 Quebec's provincial fund — see deposit protection in Quebec and our deposit-insurance guide.
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