GIC 定期存款

按年期比較 GIC 利率(90 天至 10 年),包括可贖回及註冊 GIC,並列明 CDIC 保障。

加拿大最佳 GIC 利率
產品機構年期利率
Oaken Financial 30-Day Non-Redeemable GICOaken Financial30-Day1%
DUCA Credit Union 90-Day Non-Redeemable GICDUCA Credit Union90-Day3%
EQ Bank 90-Day Non-Redeemable GICEQ Bank90-Day2.55%
Tangerine 90-Day Non-Redeemable GICTangerine90-Day2.5%
RBC Royal Bank 90-Day Non-Redeemable GIC加拿大皇家銀行90-Day2.4%
RBC Royal Bank 90-Day Redeemable GIC加拿大皇家銀行90-Day2.15%
CIBC 90-Day Non-Redeemable GIC加拿大帝國商業銀行90-Day2.1%
TD Bank 90-Day Non-Redeemable GIC道明銀行90-Day1.8%
Bank of Montreal 90-Day Non-Redeemable GIC滿地可銀行90-Day1.75%
Tangerine 90-Day Redeemable GICTangerine90-Day1.5%
Oaken Financial 90-Day Non-Redeemable GICOaken Financial90-Day1%
TD Bank 90-Day Redeemable GIC道明銀行90-Day0.35%
Oaken Financial 120-Day Non-Redeemable GICOaken Financial120-Day1%
EQ Bank 180-Day Non-Redeemable GICEQ Bank180-Day2.8%
Haventree Bank 1-Year Non-Redeemable GICHaventree Bank1-Year4%
Oaken Financial 1-Year Non-Redeemable GICOaken Financial1-Year3.8%
Achieva Financial 1-Year Non-Redeemable GICAchieva Savings1-Year3.7%
Saven Financial 1-Year Non-Redeemable GICSaven Financial1-Year3.7%
EQ Bank 1-Year Non-Redeemable GICEQ Bank1-Year3.7%
MCAN Wealth 1-Year Non-Redeemable GICMCAN Wealth1-Year3.65%
Tangerine 1-Year Non-Redeemable GICTangerine1-Year3.6%
WFCU Credit Union 1-Year Non-Redeemable GICWFCU Credit Union1-Year3.3%
DUCA Credit Union 1-Year Non-Redeemable GICDUCA Credit Union1-Year3.2%
Bank of Montreal 1-Year Non-Redeemable GIC滿地可銀行1-Year3%
TD Bank 1-Year Non-Redeemable GIC道明銀行1-Year3%
RBC Royal Bank 1-Year Non-Redeemable GIC加拿大皇家銀行1-Year3%
WFCU Credit Union 1-Year Redeemable GICWFCU Credit Union1-Year2.75%
CIBC 1-Year Non-Redeemable GIC加拿大帝國商業銀行1-Year2.45%
RBC Royal Bank 1-Year Redeemable GIC加拿大皇家銀行1-Year2.35%
CIBC 1-Year Redeemable GIC加拿大帝國商業銀行1-Year2%
Ganaraska Financial Credit Union 1-Year Non-Redeemable GICGanaraska Financial Credit Union1-Year1.85%
Oaken Financial 2-Year Non-Redeemable GICOaken Financial2-Year4.25%
Haventree Bank 2-Year Non-Redeemable GICHaventree Bank2-Year4.2%
Haventree Bank 3-Year Non-Redeemable GICHaventree Bank3-Year4.3%
Achieva Financial 3-Year Non-Redeemable GICAchieva Savings3-Year3.9%
Oaken Financial 4-Year Non-Redeemable GICOaken Financial4-Year4.35%
Oaken Financial 5-Year Non-Redeemable GICOaken Financial5-Year4.5%
Haventree Bank 5-Year Non-Redeemable GICHaventree Bank5-Year4.45%
Ganaraska Financial Credit Union 5-Year Non-Redeemable GICGanaraska Financial Credit Union5-Year4.4%
Saven Financial 5-Year Non-Redeemable GICSaven Financial5-Year4.35%
Tangerine 5-Year Non-Redeemable GICTangerine5-Year4.25%
MCAN Wealth 5-Year Non-Redeemable GICMCAN Wealth5-Year4.05%
DUCA Credit Union 5-Year Non-Redeemable GICDUCA Credit Union5-Year3.85%
Bank of Montreal 5-Year Non-Redeemable GIC滿地可銀行5-Year3.55%
TD Bank 5-Year Non-Redeemable GIC道明銀行5-Year3.55%
CIBC 5-Year Non-Redeemable GIC加拿大帝國商業銀行5-Year2.75%
RBC Royal Bank 5-Year Non-Redeemable GIC加拿大皇家銀行5-Year2.75%
RBC Royal Bank 5-Year Redeemable GIC加拿大皇家銀行5-Year2.65%
EQ Bank 10-Year Non-Redeemable GICEQ Bank10-Year2.35%

利率及資料截至 2026-10-06

GIC階梯投資法:新手入門指南
GIC階梯把儲蓄分散到多張到期日錯開的GIC,既可賺取長年期利率,又毋須一次過鎖死所有資金。本文教你一步一步建立自己的GIC階梯。