RateBuddyBanking guide
12-MONTH TERM
Compare 1-Year GIC Rates
- Rates & fees
- Features & eligibility
Make the next twelve months part of the decision
A one-year GIC is worth considering when your savings plans have a clear 12-month horizon. Beyond comparing rates, think about the amount you want to deposit and whether you could need it sooner. Review minimum deposits, interest payment options and access before maturity to see how each offer fits the year ahead.
What to look for when comparing
- Rates for a twelve-month term
- Deposit amounts and interest payments
- Early-access conditions
- What happens at maturity
RateBuddyOFFERS AT A GLANCE
Best Banking Offers — October 2026
Compare 1-Year GIC Rates — October 2026
Last updated
Compare the available options below, keeping rates for a twelve-month term in mind. Review each account’s details and offer conditions before deciding.
TD
Canada
Trust
CDIC Insured
TD Long-Term GIC (Simple Interest)
Non-Redeemable
TFSA Eligible
RRSP Eligible
FHSA Eligible
2.60%
Interest Rate
1 Year
Term Length
$0
Min Deposit
Compounding: Simple
Payout: Annually
TD
Canada
Trust
CDIC Insured
TD 1-Year Cashable GIC
Cashable
TFSA Eligible
RRSP Eligible
FHSA Eligible
1.75%
Interest Rate
1 Year
Term Length
$0
Min Deposit
Compounding: Simple
Payout: At Maturity
TD
Canada
Trust
CDIC Insured
TD Long-Term GIC (Compound Interest)
Non-Redeemable
TFSA Eligible
RRSP Eligible
FHSA Eligible
2.60%
Interest Rate
1 Year
Term Length
$0
Min Deposit
Compounding: Annually
Payout: At Maturity
CIBC
CDIC Insured
CIBC Variable Rate GIC
Cashable
Non-Registered
2.00%
Interest Rate
1 Year
Term Length
$1,000
Min Deposit
Highlights:
CDIC Insured
TD
Canada
Trust
CDIC Insured
TD U.S. Dollar GIC (Simple Interest)
Non-Redeemable
USD GIC
Non-Registered
3.90%
Interest Rate
1 Year
Term Length
$0
Min Deposit
Compounding: Simple
Payout: Annually
Highlights:
US Dollar Account
See Your Guaranteed Return
A GIC offers a fixed interest rate, meaning your return is guaranteed. There is zero market risk.
Use this tool to see exactly how much interest you'll earn and what your investment will be worth at maturity.
Your Investment
$
%
Your Guaranteed Return
Final Value at Maturity
$0
Year-by-Year Breakdown
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