About Manulife Investments
Manulife Investments is the retail investment brand of The Manufacturers Life Insurance Company (Manulife), the Toronto-based life insurer founded in 1887. Its GIC-style products are guaranteed interest contracts (insurance GICs/GIAs) issued by the insurer rather than bank deposits, alongside segregated funds and annuities. Eligible amounts are protected by Assuris rather than CDIC.
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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: Purchase GICs/GIAs through a licensed financial or insurance advisor.
Deposit protection: Assuris
protects policyholder benefits if a life insurer fails (e.g. deposit-type products up to $100,000 or 90%)
Current top rates
data as of 2026-10-16Rate history builds here as we track this institution's rates over time.
Term deposit rates
— not stated on sitedata as of 2026-10-16GIA Guaranteed Interest Annuities are insurance contracts — protected by Assuris, the life-insurance guarantee fund, not by CDIC.
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| Term | Registration | Redeemable | Compounding | Interest paid | Min–Max deposit | Rate |
|---|---|---|---|---|---|---|
| Long-term — 1 year + | ||||||
| 1 yearGIA | Non-regRRSPTFSA | Y | Annually | At maturity | $2,500 – $49,999$50k – $99,999$100k – $199,999$200k – $499,999$500k – $1M | 2.65%2.70%2.75%2.80%2.85% |
| 1 yearGIA | Non-regTFSA | Y | — | Monthly | $2,500 – $49,999$50k – $99,999$100k – $199,999$200k – $499,999$500k – $1M | 2.60%2.65%2.70%2.75%2.80% |
| 2 yearsGIA | Non-regRRSPTFSA | Y | Annually | At maturity | $2,500 – $49,999$50k – $99,999$100k – $199,999$200k – $499,999$500k – $1M | 3.05%3.10%3.15%3.20%3.25% |
| 2 yearsGIA | Non-regTFSA | Y | — | Monthly | $2,500 – $49,999$50k – $99,999$100k – $199,999$200k – $499,999$500k – $1M | 3.00%3.05%3.10%3.15%3.20% |
| 3 yearsGIA | Non-regRRSPTFSA | Y | Annually | At maturity | $2,500 – $49,999$50k – $99,999$100k – $199,999$200k – $499,999$500k – $1M | 3.20%3.25%3.30%3.35%3.40% |
| 3 yearsGIA | Non-regTFSA | Y | — | Monthly | $2,500 – $49,999$50k – $99,999$100k – $199,999$200k – $499,999$500k – $1M | 3.15%3.20%3.25%3.30%3.35% |
| 4 yearsGIA | Non-regRRSPTFSA | Y | Annually | At maturity | $2,500 – $49,999$50k – $99,999$100k – $199,999$200k – $499,999$500k – $1M | 3.35%3.40%3.45%3.50%3.55% |
| 4 yearsGIA | Non-regTFSA | Y | — | Monthly | $2,500 – $49,999$50k – $99,999$100k – $199,999$200k – $499,999$500k – $1M | 3.30%3.35%3.40%3.45%3.50% |
| 5 yearsGIA | Non-regRRSPTFSA | Y | Annually | At maturity | $2,500 – $49,999$50k – $99,999$100k – $199,999$200k – $499,999$500k – $1M | 3.50%3.55%3.60%3.65%3.70% |
| 5 yearsGIA | Non-regTFSA | Y | — | Monthly | $2,500 – $49,999$50k – $99,999$100k – $199,999$200k – $499,999$500k – $1M | 3.45%3.50%3.55%3.60%3.65% |
| 6 yearsGIA | Non-regRRSPTFSA | Y | Annually | At maturity | $2,500 – $49,999$50k – $99,999$100k – $199,999$200k – $499,999$500k – $1M | 3.60%3.65%3.70%3.75%3.80% |
| 6 yearsGIA | Non-regTFSA | Y | — | Monthly | $2,500 – $49,999$50k – $99,999$100k – $199,999$200k – $499,999$500k – $1M | 3.55%3.60%3.65%3.70%3.75% |
| 7 yearsGIA | Non-regRRSPTFSA | Y | Annually | At maturity | $2,500 – $49,999$50k – $99,999$100k – $199,999$200k – $499,999$500k – $1M | 3.75%3.80%3.85%3.90%3.95% |
| 7 yearsGIA | Non-regTFSA | Y | — | Monthly | $2,500 – $49,999$50k – $99,999$100k – $199,999$200k – $499,999$500k – $1M | 3.65%3.70%3.75%3.80%3.85% |
| 8 yearsGIA | Non-regRRSPTFSA | Y | Annually | At maturity | $2,500 – $49,999$50k – $99,999$100k – $199,999$200k – $499,999$500k – $1M | 3.80%3.85%3.90%3.95%4.00% |
| 8 yearsGIA | Non-regTFSA | Y | — | Monthly | $2,500 – $49,999$50k – $99,999$100k – $199,999$200k – $499,999$500k – $1M | 3.70%3.75%3.80%3.85%3.90% |
| 9 yearsGIA | Non-regRRSPTFSA | Y | Annually | At maturity | $2,500 – $49,999$50k – $99,999$100k – $199,999$200k – $499,999$500k – $1M | 3.95%4.00%4.05%4.10%4.15% |
| 9 yearsGIA | Non-regTFSA | Y | — | Monthly | $2,500 – $49,999$50k – $99,999$100k – $199,999$200k – $499,999$500k – $1M | 3.85%3.90%3.95%4.00%4.05% |
| 10 yearsGIA | Non-regRRSPTFSA | Y | Annually | At maturity | $2,500 – $49,999$50k – $99,999$100k – $199,999$200k – $499,999$500k – $1M | 4.20%4.25%4.30%4.35%4.40% |
| 10 yearsGIA | Non-regTFSA | Y | — | Monthly | $2,500 – $49,999$50k – $99,999$100k – $199,999$200k – $499,999$500k – $1M | 4.10%4.15%4.20%4.25%4.30% |
No rates match these filters.
Savings & chequing rates
data as of 2026-10-16Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| Savings | |||||
| Savings | Daily Interest | Daily | Monthly | $0 | 1.40% |
| RRSP | |||||
| RRSP | RRSP Savings Rate | Daily | Monthly | $0 | 1.40% |
| RRIF | |||||
| RRIF | RRIF Savings Rate | Daily | Monthly | $0 | 1.40% |
| TFSA | |||||
| TFSA | TaxFree Savings | Daily | Monthly | $0 | 1.40% |
No rates match these filters.
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