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What's moving in Canadian rates — reported from the same data that powers our rate boards, not from press releases.
Compound interest worked at real rates from our boards: $10,000 at the top 5-year GIC rate of 4.30% grows to $12,343.02, which is $193.02 more than simple interest, and doubles in roughly 17 years by the Rule of 72. Current to our August 26 data.
Who moved, which way, and by how much — every rate we track, from every source.
| Institution | What moved | Change | Top rate moved ⇅ | As of |
|---|---|---|---|---|
| GIC100 rates repriced | ▼ −0.05 | 3.80%6-year · min $500,000 | Oct 16 | |
| GIC60 rates repriced | ▼ −0.10 to −0.05 | 4.40%10-year · min $200,000 | Oct 16 | |
| GIC60 rates repriced | ▼ −0.05 | 3.65%5-year | Oct 16 | |
| GIC48 rates repriced | ▼ −0.05 | 3.20%2-year · min $200,000 | Oct 16 | |
| GIC48 rates repriced | ▼ −0.65 to −0.15 | 3.95%5-year · min $5,000 | Oct 16 | |
| GIC42 rates repriced | ▼ −0.04 | 4.16%5-year | Oct 16 | |
| GIC42 rates repriced | ▼ −0.04 | 4.16%5-year | Oct 16 | |
| GIC30 rates repriced | ▲▼ −0.07 to +0.13 | 3.99%2-year | Oct 16 | |
| GIC21 rates repriced | ▼ −0.05 | 4.20%2-year | Oct 16 | |
| GIC20 rates repriced | ▼ −0.05 to −0.03 | 4.22%4-year · min $5,000 | Oct 16 | |
| GIC20 rates repriced | ▼ −0.05 | 3.45%5-year | Oct 16 | |
| GIC14 rates repriced | ▲ +0.20 | 4.20%5-year | Oct 16 | |
| GIC12 rates repriced | ▼ −0.05 to −0.02 | 4.17%5-year | Oct 16 | |
| GIC9 rates repriced | ▼ −0.05 | 3.80%2-year | Oct 16 | |
| GIC6 rates repriced | ▲▼ −0.07 to +0.13 | 3.99%2-year · min $5,000 | Oct 16 | |
| GIC6 rates repriced | ▼ −0.04 to −0.02 | 4.17%3-year · min $5,000 | Oct 16 | |
| GIC4 rates repriced | ▼ −0.03 to −0.02 | 4.11%4-year · min $5,000 | Oct 16 | |
| GIC2 rates repriced | ▼ −0.09 | 4.11%5-year | Oct 16 | |
| GIC61 rates repriced | ▼ −0.20 to −0.10 | 3.55%2-year | Oct 15 | |
| GIC50 rates repriced | ▼ −0.07 to −0.01 | 4.11%5-year | Oct 15 | |
| Mortgage6 rates repriced | ▲ +0.10 to +0.30 | 5.50%4-year | Oct 15 | |
| Mortgage4 rates repriced | ▲ +0.05 to +0.20 | 6.15%3-year | Oct 15 | |
| Mortgage1 rate repriced | ▲ +0.10 | 5.24%2-year | Oct 15 | |
| Mortgage1 rate repriced | ▼ −0.10 | 4.84%2-year | Oct 14 | |
| Savings1 rate repriced | ▼ −0.10 | 0.75% | Oct 14 | |
| Mortgage1 rate repriced | ▲ +0.15 | 5.14%1-year | Oct 12 | |
| Mortgage1 rate repriced | ▲ +0.04 | 6.09%3-year | Oct 12 | |
| Mortgage2 rates repriced | ▲ +0.10 | 4.39%5-year | Oct 8 | |
| Mortgage8 rates repriced | ▲ +0.10 to +0.20 | 6.90%10-year | Oct 7 | |
| Mortgage6 rates repriced | ▲ +0.15 | 5.94%7-year | Oct 7 | |
| Mortgage6 rates repriced | ▲ +0.20 | 5.14%5-year | Oct 7 | |
| Mortgage1 rate repriced | ▲ +0.15 | 5.14%2-year | Oct 7 | |
| Mortgage5 rates repriced | ▲▼ −0.25 to +0.20 | 6.89%1-year | Oct 2 | |
| Mortgage3 rates repriced | ▲ +0.10 to +0.25 | 5.49%4-year | Oct 2 | |
| Savings1 rate repriced | ▲ +0.20 | 2.50% | Oct 2 | |
| Mortgage3 rates repriced | ▲ +0.05 to +0.30 | 5.04%4-year | Oct 1 | |
| Mortgage3 rates repriced | ▲ +0.05 to +0.30 | 5.04%4-year | Oct 1 | |
| Mortgage3 rates repriced | ▼ −0.45 to −0.25 | 5.54%1-year | Oct 1 | |
| Mortgage7 rates repriced | ▲ +0.05 to +0.24 | 5.91%10-year | Sep 29 | |
| Mortgage2 rates repriced | ▲ +0.05 to +0.20 | 5.54%6-month | Sep 29 | |
| Mortgage1 rate repriced | ▲ +0.20 | 4.99%5-year | Sep 29 | |
| Mortgage6 rates repriced | ▲ +0.10 | 5.81%10-year | Sep 28 |
No changes recorded for this product yet.
"As of" is the day we recorded the new rate, which can trail the day an institution changed it. Rates held for review are not listed until they clear. How we track rates →
