About RBC Royal Bank
Royal Bank of Canada (RBC) is Canada's largest bank by market capitalization, founded in Halifax, Nova Scotia in 1864 (as the Merchants Bank of Halifax) and today operating its corporate headquarters in Toronto with its statutory head office in Montreal. A Schedule I chartered bank, it serves over 19 million clients in 29 countries with retail and commercial banking, wealth management, capital markets, and insurance. Its official French name is Banque Royale du Canada (retail brand: RBC Banque Royale).
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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: Open an account online, by phone, or at any branch.
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 | 2.45% |
| 2-year GIC | 2.55% |
| 5-year GIC | 2.75% |
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 |
|---|---|---|---|---|---|---|
| Short-term — under 1 year | ||||||
| 30 – 89 days | RRSPRESPRDSPRRIFTFSALIF | N | Annually | At maturity | $500+ reg | 2.35% |
| 90–364 days | RRSPRESPRDSPRRIFTFSALIF | N | Annually | At maturity | $500+ reg | 2.40% |
| Long-term — 1 year + | ||||||
| 1 year | Non-reg | N | — | At maturity | — | 2.45% |
| 1 year | RRSPTFSA | N | — | Annually | $500+ reg | 2.45% |
| 1 year | RRSPRESPRDSPRRIFTFSALIF | N | Annually | At maturity | $1k+ reg | 2.45% |
| 1 year | Non-reg | cashable | — | At maturity | — | 2.15% |
| 1 year | RRSPTFSA | Y | Semi-annually | At maturity | $500+ reg | 2.35% |
| 1 – 2 years | RRSPTFSA | N | — | Annually | $500+ reg | 2.50% |
| 1 – 2 years | RRSPRESPRDSPRRIFTFSALIF | N | Annually | At maturity | $1k+ reg | 2.50% |
| 1 – 2 years | RRSPTFSA | Y | Semi-annually | At maturity | $500+ reg | 2.40% |
| 2 years | Non-reg | N | — | At maturity | — | 2.55% |
| 730–1460 days | RRSPTFSA | N | — | Annually | $500+ reg | 2.55% |
| 730–1460 days | RRSPRESPRDSPRRIFTFSALIF | N | Annually | At maturity | $1k+ reg | 2.55% |
| 730–1460 days | RRSPTFSA | Y | Semi-annually | At maturity | $500+ reg | 2.45% |
| 4 – 5 years | RRSPTFSA | N | — | Annually | $500+ reg | 2.70% |
| 4 – 5 years | RRSPRESPRDSPRRIFTFSALIF | N | Annually | At maturity | $1k+ reg | 2.70% |
| 4 – 5 years | RRSPTFSA | Y | Semi-annually | At maturity | $500+ reg | 2.60% |
| 5 years | Non-reg | N | — | At maturity | — | 2.75% |
| 5 years | RRSPTFSA | N | — | Annually | $500+ reg | 2.75% |
| 5 years | RRSPRESPRDSPRRIFTFSALIF | N | Annually | At maturity | $1k+ reg | 2.75% |
| 5 years | RRSPTFSA | Y | Semi-annually | At maturity | $500+ reg | 2.65% |
| 7 years | RRSPRESPRDSPRRIFTFSALIF | N | Annually | At maturity | $500+ reg | 3.00% |
| 10 years | RRSPRESPRDSPRRIFTFSALIF | N | Annually | At maturity | $500+ reg | 3.00% |
| U.S. dollar — all terms | ||||||
| 1 year | Non-reg | N | — | At maturity | — | 4.00% |
No rates match these filters.
Savings & chequing rates
rates confirmed as of 2026-10-15Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| Savings | |||||
| Savings | NOMI Find & Save | — | — | $0 | 0.15% |
| Savings | RBC High Interest eSavings | — | — | $0 | 0.55% |
| USD | RBC U.S. High Interest eSavingsUS$ | — | — | $0 | 0.25% |
| RRSP | |||||
| RRSP | Registered Savings Deposits | Daily | Semi-annually | $0 | 0.35% |
| RRSP | Registered Savings Deposits | Daily | Semi-annually | $5,500 | 0.35% |
| RRSP | Registered Savings Deposits | Daily | Semi-annually | $25,000 | 0.35% |
| RRSP | Registered Savings Deposits | Daily | Semi-annually | $50,000 | 0.35% |
| RESP | |||||
| RESP | Registered Savings Deposits | Daily | Semi-annually | $0 | 0.35% |
| RESP | Registered Savings Deposits | Daily | Semi-annually | $5,500 | 0.35% |
| RESP | Registered Savings Deposits | Daily | Semi-annually | $25,000 | 0.35% |
| RESP | Registered Savings Deposits | Daily | Semi-annually | $50,000 | 0.35% |
| RDSP | |||||
| RDSP | Registered Savings Deposits | Daily | Semi-annually | $0 | 0.35% |
| RDSP | Registered Savings Deposits | Daily | Semi-annually | $5,500 | 0.35% |
| RDSP | Registered Savings Deposits | Daily | Semi-annually | $25,000 | 0.35% |
| RDSP | Registered Savings Deposits | Daily | Semi-annually | $50,000 | 0.35% |
| RRIF | |||||
| RRIF | Registered Savings Deposits | Daily | Semi-annually | $0 | 0.35% |
| RRIF | Registered Savings Deposits | Daily | Semi-annually | $5,500 | 0.35% |
| RRIF | Registered Savings Deposits | Daily | Semi-annually | $25,000 | 0.35% |
| RRIF | Registered Savings Deposits | Daily | Semi-annually | $50,000 | 0.35% |
| TFSA | |||||
| TFSA | TFSA | Daily | Semi-annually | $0 | 0.35% |
| TFSA | TFSA | Daily | Semi-annually | $5,500 | 0.35% |
| TFSA | TFSA | Daily | Semi-annually | $25,000 | 0.35% |
| TFSA | TFSA | Daily | Semi-annually | $50,000 | 0.35% |
| LIF | |||||
| LIF | Registered Savings Deposits | Daily | Semi-annually | $0 | 0.35% |
| LIF | Registered Savings Deposits | Daily | Semi-annually | $5,500 | 0.35% |
| LIF | Registered Savings Deposits | Daily | Semi-annually | $25,000 | 0.35% |
| LIF | Registered Savings Deposits | Daily | Semi-annually | $50,000 | 0.35% |
No rates match these filters.
Mortgage rates
Highlighted rows are promo ratesrates confirmed as of 2026-10-15Filter rates
| Term | Type | Open / closed | Insured | Posted rate |
|---|---|---|---|---|
| Amortization — 25 years or less | ||||
| 6-month | Fixed | Open | No | 9.95% |
| 1-year | Fixed | Open | No | 9.95% |
| 1-year | Fixed | Closed | No | 5.14% |
| 1-year | Fixed | Closed | No | 5.74% |
| 2-year | Fixed | Closed | No | 5.14% |
| 2-year | Fixed | Closed | No | 5.74% |
| 3-year | Fixed | Closed | No | 4.99% |
| 3-year | Fixed | Closed | No | 6.25% |
| 4-year | Fixed | Closed | No | 5.04% |
| 4-year | Fixed | Closed | No | 6.09% |
| 5-year | Fixed | Closed | No | 5.14% |
| 5-year | Fixed | Closed | No | 6.19% |
| 7-year | Fixed | Closed | No | 5.25% |
| 7-year | Fixed | Closed | No | 6.50% |
| 10-year | Fixed | Closed | No | 6.90% |
| 25-year | Fixed | Closed | No | 12.00% |
| 6-month | Fixed | Convertible | No | 5.74% |
| 5-year | Variable | Open | No | 7.75% |
| 5-year | Variable | Closed | No | 4.15% |
| 5-year | Variable | Closed | No | 4.45% |
| Amortization — over 25 years | ||||
| 6-month | Fixed | Open | No | 9.95% |
| 1-year | Fixed | Open | No | 9.95% |
| 1-year | Fixed | Closed | No | 5.24% |
| 1-year | Fixed | Closed | No | 5.74% |
| 2-year | Fixed | Closed | No | 5.24% |
| 2-year | Fixed | Closed | No | 5.74% |
| 3-year | Fixed | Closed | No | 5.09% |
| 3-year | Fixed | Closed | No | 6.25% |
| 4-year | Fixed | Closed | No | 5.14% |
| 4-year | Fixed | Closed | No | 6.09% |
| 5-year | Fixed | Closed | No | 5.24% |
| 5-year | Fixed | Closed | No | 6.19% |
| 7-year | Fixed | Closed | No | 5.35% |
| 7-year | Fixed | Closed | No | 6.50% |
| 10-year | Fixed | Closed | No | 6.90% |
| 25-year | Fixed | Closed | No | 12.00% |
| 6-month | Fixed | Convertible | No | 5.74% |
| 5-year | Variable | Open | No | 7.75% |
| 5-year | Variable | Closed | No | 4.25% |
| 5-year | Variable | Closed | No | 4.45% |
No mortgage rates match these filters.
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