RateBuddyBanking guide
36-MONTH TERM
Compare 3-Year GIC Rates
- Rates & fees
- Features & eligibility
Look at the whole three-year commitment
Three years is long enough for your plans to evolve, so choosing a GIC deserves a look beyond the rate. Consider the purpose of the money and how it fits alongside savings you can access sooner. Compare deposit requirements, interest payment schedules and withdrawal conditions to find a term that suits your plans.
What to look for when comparing
- Rates for a thirty-six-month term
- Interest payment schedules
- Deposit amounts and access conditions
- Maturity timing within your savings plan
RateBuddyOFFERS AT A GLANCE
Best Banking Offers — October 2026
Compare 3-Year GIC Rates — October 2026
Last updated
Compare the available options below, keeping rates for a thirty-six-month term in mind. Review each account’s details and offer conditions before deciding.
TD
Canada
Trust
CDIC Insured
TD Canadian Banking & Utilities GIC (3-Year)
Non-Redeemable
TFSA Eligible
RRSP Eligible
FHSA Eligible
2.00%
Interest Rate
3 Years
Term Length
$0
Min Deposit
Compounding: At Maturity
Payout: At Maturity
CIBC
CDIC Insured
CIBC Market Linked GICs
Non-Redeemable
TFSA Eligible
RRSP Eligible
0.00%
Interest Rate
3 Years
Term Length
$500
Min Deposit
Highlights:
CDIC Insured
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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