About Concentra Bank
Concentra Bank was a Saskatoon-based Schedule I chartered bank (continued under the Bank Act effective January 1, 2017, from Concentra Financial, formerly Co-operative Trust Company of Canada) that provided wholesale banking and trust solutions to Canada's credit union system, with retail deposits under the Wyth Financial brand. Equitable Bank completed its acquisition of Concentra on November 1, 2022, and the Wyth brand was retired in favour of EQ Bank. The Concentra brand no longer operates as an independent deposit-taking institution.
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Access: Open to all Canadians
Eligible provinces: Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland & Labrador, Nova Scotia, Northwest Territories, Nunavut, Ontario, Prince Edward Island, Quebec, Saskatchewan, Yukon
How to join: Not applicable — brand absorbed into Equitable Bank; deposit products now offered as EQ Bank.
Deposit protection: Canada Deposit Insurance Corporation
$100,000 per insured category per member institution
Current top rates
rates confirmed as of 2026-10-15| GIC ladder | Best rate |
|---|---|
| 1-year GIC | 3.50% |
| 2-year GIC | 3.95% |
| 3-year GIC | 4.10% |
| 4-year GIC | 4.15% |
| 5-year GIC | 4.20% |
Base ladder rates. Institution may have more term rates below.
GIC rate history
Best historical posted GIC rate by term
Tracked since Jul 16, 2026 · 34 snapshots
Tracked since Jul 16, 2026 · 34 snapshots
Tracked since Jul 16, 2026 · 34 snapshots
Tracked since Jul 16, 2026 · 34 snapshots
Tracked since Jul 16, 2026 · 34 snapshots
Term deposit rates
— not stated on siterates confirmed as of 2026-10-15Filter rates
| Term | Registration | Redeemable | Compounding | Interest paid | Min–Max deposit | Rate |
|---|---|---|---|---|---|---|
| Long-term — 1 year + | ||||||
| 1 year | RRSPRESPRDSPRRIFTFSA | N | Annually | At maturity | $500+ reg | 3.50% |
| 2 years | RRSPRESPRDSPRRIFTFSA | N | Annually | At maturity | $500+ reg | 3.95% |
| 3 years | RRSPRESPRDSPRRIFTFSA | N | Annually | At maturity | $500+ reg | 4.10% |
| 4 years | RRSPRESPRDSPRRIFTFSA | N | Annually | At maturity | $500+ reg | 4.15% |
| 5 years | RRSPRESPRDSPRRIFTFSA | N | Annually | At maturity | $500+ reg | 4.20% |
| Concentra Bank GIC long termNon-redeemable · paid at maturity · $5k minimum | ||||||
| 1 year | Non-reg | N | — | At maturity | $5k+ | 3.50% |
| 2 years | Non-reg | N | — | At maturity | $5k+ | 3.95% |
| 3 years | Non-reg | N | — | At maturity | $5k+ | 4.10% |
| 4 years | Non-reg | N | — | At maturity | $5k+ | 4.15% |
| 5 years | Non-reg | N | — | At maturity | $5k+ | 4.20% |
No rates match these filters.
Savings & chequing rates
rates confirmed as of 2026-10-15Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| RRSP | |||||
| RRSP | Variable rate deposit | — | — | $100 | 0.15% |
| RESP | |||||
| RESP | Variable Rate Deposit | — | — | — | 0.15% |
| RDSP | |||||
| RDSP | Variable Rate Deposit | — | — | — | 0.15% |
| RRIF | |||||
| RRIF | Variable rate deposit | — | — | $5,000 | 0.15% |
| TFSA | |||||
| TFSA | Variable rate deposit | — | — | $500 | 0.15% |
No rates match these filters.
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