Rate guide · data as of 2026-10-16

Best 4-Year GIC Rates

All Canada

Looking for the best 4-year GIC rate for your money? We rank every 4-year GIC we track across Canadian banks, credit unions and trust companies — so your next move is the right one.

Holding it in a registered account? See the best TFSA rates, RRSP rates and FHSA rates.

for a term of:
with registration:
with redemption:
display rates from institutions in:

Top 4-year GIC rates in All Canada

ⓘ The best 4-year rates we track for your filters.

We hunt. You gather.

Rates move with every delivery. Get rate alerts from Ratehunter and you'll be the first to know when a higher 4-year GIC rate lands.

Get rate alerts

Related reading

GIC laddering: build a five-year ladder at today's best rates

A $50,000 five-rung GIC ladder built with the best rate per term on our boards earns $2,070 in year one, $501 more than the same ladder at big-bank average posted rates. Every rung priced from live board data, current to August 26.

Ratehunter · September 16, 2026

Top 10 4-Year GIC rates in All Canada

ⓘ The top ten rates in your selected region — one per institution.

  1. 1Weyburn Credit UnionFHSA GIC4.50%
  2. 2Wealth One Bank of CanadaNon-registered4.45%
  3. 3PenFinancial Credit UnionNon-registered4.40%
  4. 4Oaken FinancialNon-registered4.35%
  5. 5Saven FinancialFHSA GIC4.35%
  6. 6MCAN Financial GroupNon-registered4.30%
  7. 7Haventree BankNon-registered4.25%
  8. 8B2B BankVia BrokerNon-registered4.24%
  9. 9Community TrustVia BrokerNon-registered4.22%
  10. 10EQ BankFHSA GIC4.20%

4-year GIC rate history

Best posted non-registered rate across the institutions we track

Latest4.45%Oct 16, 2026
Last change+0.19%Oct 1, 2026
High4.45%Oct 1, 2026
Low3.95%Jul 16, 2026
6%5%4%3%2%Jul 26Aug 26Sep 26Oct 26

Tracked since Jul 16, 2026 · 34 snapshots

Understanding GIC terms

What is a GIC?

A Guaranteed Investment Certificate (GIC) is a Canadian deposit where you commit a lump sum for a fixed term — typically 30 days to 5 years — in exchange for a guaranteed interest rate. Your principal can't lose value, which makes it one of the safest ways to grow savings.

Why invest in a GIC?

The rate is locked in at purchase, so your return is predictable no matter what happens to interest rates during the term. GICs are useful for capital you can't afford to put at risk, for laddering fixed-income, and for holding inside a TFSA or RRSP where the interest grows tax-sheltered.

How do I choose a 4-year term?

A 4-year GIC locks your rate for 4 years. Shorter terms keep you flexible if rates rise; longer terms usually pay more and suit money you won't need for a while. Either way, compare redeemable vs. non-redeemable — non-redeemable locks your funds but typically pays more.

Get started today

Use the table below to compare every 4-year GIC available in your region, then confirm the current rate and terms directly with the institution before you buy. Rates change often — we refresh ours with every data delivery.

Education Centre

GIC Basics

What is a GIC?

A plain-language guide to guaranteed investment certificates.

Read more →
Insurance

Deposit insurance in Canada

CDIC vs provincial funds — who covers what, and where it's unlimited.

Read more →
Compare

Best GIC rates by term

1-, 2-, 3-, 4- and 5-year leaderboards in one place.

Read more →

All 4-year GIC rates in All Canada

ⓘ Every 4-year GIC rate we track in your region — best per institution and account type.

Highlighted rows are promo rates
Financial institutionMin balance+/−Rate %
Weyburn Credit Union——4.50%
Wealth One Bank of Canada——4.45%
PenFinancial Credit Union——4.40%
Oaken Financial——4.35%
Saven Financial——4.35%
MCAN Financial Group——4.30%
Haventree Bank——4.25%
B2B BankVia Broker——4.24%
Community TrustVia Broker$5,000↓0.034.22%
EQ Bank——4.20%
Steinbach Credit Union$250,000—4.20%
General Bank of CanadaVia Broker$5,000—4.17%
Home Equity BankVia Broker$5,000↓0.044.16%
Concentra Bank$5,000—4.15%
Hubert Financial——4.15%
Steinbach Credit Union$100,000—4.15%
Tangerine Bank——4.15%
Home TrustVia Broker$10,000—4.12%
VersaBankVia Broker—↓0.034.12%
Questbank$5,000↓0.034.11%
Access Credit Union——4.10%
Equity Credit Union——4.10%
League Savings & Mortgage—↑0.204.10%
MAXA Financial——4.10%
Outlook Financial——4.10%
Pathwise Credit Union——4.10%
Serenia Life FinancialGIA$100,000—4.10%
Steinbach Credit Union——4.10%
Winnipeg Police Credit Union——4.10%
Equitable BankVia Broker——4.09%
Home BankVia Broker—↓0.044.08%
Home TrustVia Broker—↓0.044.08%
President's Choice Bank—↓0.084.07%
Belgian Alliance Credit Union——4.05%
Achieva Financial——4.00%
Assiniboine Credit Union——4.00%
HMECU——4.00%
Laurentian Bank——4.00%
Mainstreet Credit Union——4.00%
Meridian Credit Union——4.00%
OPPA Credit Union$100,000—4.00%
BCU Financial——3.95%
Fusion Credit Union——3.95%
Santander Consumer BankVia Broker——3.95%
Lighthouse Credit Union$3,000—3.94%
VersaBankVia Broker$5,000↓0.033.92%
Acadian Credit Union——3.90%
Beaubear Credit Union——3.90%
Caisse populaire de Clare——3.90%
Cambrian Credit Union——3.90%
Cape Breton Credit Union——3.90%
DUCA——3.90%
Glace Bay Central Credit Union——3.90%
League Savings & Mortgage——3.90%
Manulife Bank$2,500—3.90%
NBTA Credit Union——3.90%
Northern Credit Union——3.90%
St. Joseph's Credit Union——3.90%
Sydney Credit Union——3.90%
YNCU$100,000—3.90%
B2B BankVia Broker$10,000—3.87%
National Bank (incl. former CWB retail)——3.85%
Northern Savings Credit Union——3.85%
Serenia Life FinancialGIA$50,000—3.85%
Southwest Regional Credit Union——3.85%
Steinbach Credit Union——3.85%
Vancity——3.85%
YNCU$20,000—3.85%
Envision Financial (Tru)——3.81%
First Credit Union——3.80%
Kindred Credit Union$25,000—3.80%
Manulife Bank$10,000—3.80%
The Police Credit Union——3.80%
YNCU——3.80%
Compass Credit Union——3.75%
Frontline Credit Union——3.75%
Niverville Credit Union——3.75%
Oshawa Community Credit Union——3.75%
Stride Credit Union——3.75%
Sunrise Credit Union——3.75%
Talka Credit Union——3.75%
Beem Credit Union——3.70%
FirstOntario Credit Union——3.70%
Me-Dian Credit Union——3.70%
Resurrection Credit Union——3.70%
SASCU——3.70%
UV InsuranceVia BrokerGIA$500,000—3.70%
EquitableGIA$500,000—3.65%
Ganaraska Credit Union——3.65%
Sun Life - Trust—↓0.053.65%
UV InsuranceVia BrokerGIA$200,000—3.65%
Vancity——3.65%
Your Credit Union——3.65%
Coast Capital Savings——3.60%
Coastal Community Credit Union——3.60%
EquitableGIA$200,000—3.60%
First Credit Union——3.60%
Integris Credit Union——3.60%
Parama Credit Union——3.60%
Prospera Credit Union——3.60%
Serenia Life FinancialGIA——3.60%
Sunshine Coast Credit Union——3.60%
UV InsuranceVia BrokerGIA$100,000—3.60%
Vancity——3.60%
VantageOne Credit Union——3.60%
Cascadia Credit Union——3.55%
Manulife InvestmentsGIA$500,000↓0.053.55%
Pathwise Credit Union——3.55%
Public Service Credit Union——3.55%
Ukrainian Credit Union——3.55%
Beaubear Credit Union——3.50%
Industrial AllianceGIA$200,000—3.50%
Luminus Financial——3.50%
Manulife InvestmentsGIA$200,000↓0.053.50%
Motor City Credit Union——3.50%
OPPA Credit Union——3.50%
RFA Bank of CanadaVia Broker$5,000—3.50%
Servus Credit Union——3.50%
UV InsuranceVia BrokerGIA$50,000—3.50%
VantageOne Credit Union——3.50%
Simplii Financial——3.49%
Desjardins - Caisses——3.45%
Fusion Credit Union——3.45%
Industrial AllianceGIA$100,000—3.45%
Ma Financière——3.45%
Manulife InvestmentsGIA$100,000↓0.053.45%
Moya Financial——3.45%
Shinhan Bank Canada——3.45%
UV InsuranceVia BrokerGIA$25,000—3.45%
Bay Credit Union——3.40%
CIBC——3.40%
Industrial AllianceGIA$25,000—3.40%
Kawartha (a division of Libro)——3.40%
Libro Credit Union——3.40%
Manulife InvestmentsGIA$50,000↓0.053.40%
Shinhan Bank Canada$100,000 / $500,000—3.40%
Thorold Community Credit Union——3.40%
BMO Bank of Montreal——3.35%
Desjardins - Caisses$10,000—3.35%
Desjardins - Caisses$5,000—3.35%
Golden Horseshoe Credit Union$100,000—3.35%
Lakeland Credit Union——3.35%
Manulife InvestmentsGIA$2,500↓0.053.35%
Northern Birch Credit Union——3.35%
SBI Canada Bank——3.35%
Shinhan Bank Canada$50,000—3.35%
Sun Life - InsuranceGIA—↓0.053.35%
TD Canada Trust——3.35%
TransCanada Credit Union——3.35%
UV InsuranceVia BrokerGIA$10,000—3.35%
DUCA——3.30%
Innovation Federal CU——3.30%
Kingston Community Credit Union——3.30%
Shinhan Bank Canada$5,000—3.30%
Sun Life - Trust—↓0.053.30%
UNI Financial Cooperation——3.30%
Valley Credit Union——3.30%
Vancouver Firefighters CU——3.26%
Alterna Bank——3.25%
Alterna Savings——3.25%
Canada LifeGIA—↓0.153.25%
Industrial AllianceGIA——3.25%
Ontario Educational Credit Union——3.25%
Peoples Bank——3.25%
Shinhan Bank Canada——3.25%
Tandia——3.25%
UV InsuranceVia BrokerGIA——3.25%
Vermilion Credit Union——3.25%
Biggar & District Credit Union——3.20%
KEB Hana Bank Canada——3.20%
Kootenay Savings Credit Union——3.20%
Peace Hills Trust——3.20%
Shinhan Bank Canada——3.20%
Sun Life - InsuranceGIA——3.20%
The Energy Credit Union——3.20%
1st Choice Savings——3.15%
FirstOntario Credit Union——3.15%
Golden Horseshoe Credit Union$50,000—3.15%
TCU Financial Group——3.15%
Scotiabank$5,000 / $100,000—3.12%
Bridgewater Bank$5,000—3.10%
Christian Credit Union$1,000,000—3.10%
KEB Hana Bank Canada$100,000—3.10%
Kootenay Savings Credit Union——3.10%
Lafleche Credit Union——3.10%
OMISTA Credit Union——3.10%
Christian Credit Union$500,000—3.05%
Edam Credit Union——3.05%
KEB Hana Bank Canada$50,000—3.05%
KEB Hana Bank Canada$100,000—3.05%
WFCU Credit Union——3.05%
Accent Credit Union$5,000—3.00%
Atlantic Edge——3.00%
Biggar & District Credit Union——3.00%
Bruno Savings & Credit Union——3.00%
Bruno Savings & Credit Union——3.00%
Christian Credit Union$250,000—3.00%
East Coast Credit Union——3.00%
Golden Horseshoe Credit Union$25,000—3.00%
KEB Hana Bank Canada$5,000—3.00%
KEB Hana Bank Canada$50,000—3.00%
Khalsa Credit Union——3.00%
Nelson & District Credit Union——3.00%
Prairie Pride Credit Union——3.00%
Provincial Credit Union——3.00%
Saskatoon City Employees Credit Union——3.00%
Servus Credit Union——3.00%
Stoughton Credit Union——3.00%
Williams Lake and District Credit Union——3.00%
Christian Credit Union——2.95%
KEB Hana Bank Canada——2.95%
KEB Hana Bank Canada$5,000—2.95%
Luseland Credit Union——2.95%
Prosperity Credit Union——2.95%
Affinity Credit Union——2.90%
Brunswick Credit Union——2.90%
Conexus Credit Union——2.90%
Dodsland and District Credit Union——2.90%
Edam Credit Union——2.90%
Golden Horseshoe Credit Union$10,000—2.90%
GVCCU$5,000—2.90%
KEB Hana Bank Canada——2.90%
Kerrobert Credit Union——2.90%
New Waterford Credit Union——2.90%
SASCU——2.90%
Weyburn Credit Union——2.90%
Servus Credit Union$5,000—2.88%
Blackville Credit Union——2.85%
Caisse Alliance——2.85%
Dominion Credit Union——2.85%
Flin Flon Credit Union——2.85%
Consolidated Credit Union——2.80%
GVCCU——2.80%
Mosaik Credit Union——2.80%
Unity Credit Union——2.80%
Unity Credit Union——2.80%
Community Savings Credit Union——2.75%
Golden Horseshoe Credit Union——2.75%
Souris Credit Union——2.75%
Teachers Plus Credit Union——2.75%
Venture Credit Union——2.75%
Bulkley Valley Credit Union——2.70%
CIBC$5,000—2.70%
CUA——2.70%
IC Savings——2.70%
NLCU——2.70%
Public Service Credit Union——2.70%
RBC Royal Bank——2.70%
Rockglen-Killdeer Credit Union——2.70%
Scotiabank$5,000 / $25,000 / $100,000 / $250,000—2.70%
StellerVista Credit Union——2.70%
Sudbury Credit Union——2.70%
Taiwanese-Canadian Toronto Credit Union——2.70%
Community Credit Union——2.65%
iNova Credit Union——2.65%
BMO Bank of Montreal——2.60%
Bulkley Valley Credit Union——2.60%
Effort Trust——2.60%
RBC Royal Bank——2.60%
SBI Canada Bank——2.60%
Williams Lake and District Credit Union——2.60%
Sunshine Coast Credit Union——2.55%
Canadian Tire Bank——2.50%
Community Savings Credit Union——2.50%
Community Savings Credit Union——2.50%
Reddy Kilowatt Credit Union——2.50%
Rocky Credit Union——2.50%
Sandhills Credit Union——2.45%
VantageOne Credit Union——2.45%
Community Credit Union——2.40%
Creston & District Credit Union——2.40%
L.I.U.N.A. Local 183 Credit Union——2.40%
Dundalk District Credit Union——2.25%
St. Stanislaus-St. Casimir's CU——2.25%
CIBC$100,000 / $250,000 / $1,000,000—2.20%
GVCCU——2.05%
Kootenay Savings Credit Union——2.05%
Ladysmith & District Credit Union——2.00%
Prairie Pride Credit Union——1.90%
Integris Credit Union——1.80%
Rocky Credit Union——1.80%
First Nations Bank of Canada——1.50%
Creston & District Credit Union——1.45%
First Nations Bank of Canada——1.05%
Ladysmith & District Credit Union——1.00%
Sandhills Credit Union——0.80%
Shinhan Bank Canada$10,000—0.75%
St. Stanislaus-St. Casimir's CU——0.70%
CIBC$5,000 / $100,000 / $250,000—0.55%
National Bank (incl. former CWB retail)——0.55%
Laurentian Bank——0.36%