RateBuddyBanking guide
60-MONTH TERM
Compare 5-Year GIC Rates
- Rates & fees
- Features & eligibility
Think through the years as well as the rate
A five-year GIC is a longer commitment, making the details of the term especially relevant. Think about whether you want interest paid during the term or at maturity, and what other funds you have available for unexpected needs. Compare rates, payment arrangements and access restrictions with those priorities and your longer-term plans in mind.
What to look for when comparing
- Rates for a sixty-month term
- Interest payment and calculation terms
- Access restrictions during the term
- Maturity and renewal arrangements
RateBuddyOFFERS AT A GLANCE
Best Banking Offers — October 2026
Compare 5-Year GIC Rates — October 2026
Last updated
Compare the available options below, keeping rates for a sixty-month term in mind. Review each account’s details and offer conditions before deciding.
TD
Canada
Trust
CDIC Insured
TD Long-Term GIC (Compound Interest)
Non-Redeemable
TFSA Eligible
RRSP Eligible
FHSA Eligible
3.00%
Interest Rate
5 Years
Term Length
$0
Min Deposit
Compounding: Annually
Payout: At Maturity
TD
Canada
Trust
CDIC Insured
TD U.S. Dollar GIC (Simple Interest)
Non-Redeemable
USD GIC
Non-Registered
3.70%
Interest Rate
5 Years
Term Length
$0
Min Deposit
Compounding: Simple
Payout: Annually
Highlights:
US Dollar Account
CIBC
CDIC Insured
CIBC EasyBuilder GIC
Non-Redeemable
Non-Registered
3.10%
Interest Rate
5 Years
Term Length
$2,500
Min Deposit
Highlights:
CDIC Insured
Term Special
Maximized returns via laddered strategy
TD
Canada
Trust
CDIC Insured
TD Long-Term GIC (Simple Interest)
Non-Redeemable
TFSA Eligible
RRSP Eligible
FHSA Eligible
3.00%
Interest Rate
5 Years
Term Length
$0
Min Deposit
Compounding: Simple
Payout: Annually
CIBC
CDIC Insured
CIBC Market Linked GICs
Non-Redeemable
TFSA Eligible
RRSP Eligible
0.00%
Interest Rate
5 Years
Term Length
$500
Min Deposit
Highlights:
CDIC Insured
TD
Canada
Trust
CDIC Insured
TD 5-Year Stepper GIC
Cashable
TFSA Eligible
RRSP Eligible
FHSA Eligible
0.88%
Interest Rate
5 Years
Term Length
$0
Min Deposit
Compounding: Annually
Payout: Annually
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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