About Sun Life - Trust
Sun Life Financial Trust Inc. is a federally regulated trust company incorporated under the Trust and Loan Companies Act and a subsidiary of the Sun Life group. It issues deposit products — notably GICs (SLF Trust GIC, Sun GIC Max) and daily interest accounts — distributed under the Sun Life Global Investments trade name through Sun Life advisors. Its deposits are CDIC-insured and it reports quarterly to OSFI.
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Access: Open to all Canadians
Eligible provinces: Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland & Labrador, Nova Scotia, Northwest Territories, Nunavut, Ontario, Prince Edward Island, Quebec, Saskatchewan, Yukon
How to join: Purchase GICs or deposit products through a Sun Life advisor or Sun Life Global Investments dealer.
Deposit protection: Canada Deposit Insurance Corporation
$100,000 per insured category per member institution
Current top rates
data as of 2026-10-16| GIC ladder | Best rate |
|---|---|
| 1-year GIC | 3.25% |
| 2-year GIC | 3.40% |
| 3-year GIC | 3.50% |
| 4-year GIC | 3.65% |
| 5-year GIC | 3.65% |
Base ladder rates. Institution may have more term rates below.
GIC rate history
Best historical posted GIC rate by term
Tracked since Jul 16, 2026 · 34 snapshots
Tracked since Jul 16, 2026 · 34 snapshots
Tracked since Jul 16, 2026 · 34 snapshots
Tracked since Jul 16, 2026 · 34 snapshots
Tracked since Jul 16, 2026 · 34 snapshots
Term deposit rates
— not stated on sitedata as of 2026-10-16Filter rates
| Term | Registration | Redeemable | Compounding | Interest paid | Min–Max deposit | Rate |
|---|---|---|---|---|---|---|
| Short-term — under 1 year | ||||||
| 30–179 days | Non-regRRSPTFSA | N | — | At maturity | $1k+ | 0.35% |
| 30–179 days | Non-regRRSPTFSA | Y | — | At maturity | $1k+ | 0.25% |
| 180 – 269 days | Non-regRRSPTFSA | N | — | At maturity | $1k+ | 0.90% |
| 180 – 269 days | Non-regRRSPTFSA | Y | — | At maturity | $1k+ | 0.80% |
| 270 – 364 days | Non-regRRSPTFSA | N | — | At maturity | $1k+ | 0.95% |
| 270 – 364 days | Non-regRRSPTFSA | Y | — | At maturity | $1k+ | 0.85% |
| Long-term — 1 year + | ||||||
| 1 year | Non-regRRSPTFSA | N | Annually— | At maturityAnnually | $1k+$1k+ | 3.25%3.25% |
| 1 year | Non-regRRSPTFSA | Y | Annually— | At maturityAnnually | $1k+$1k+ | 2.85%2.85% |
| 2 years | Non-regRRSPTFSA | N | Annually— | At maturityAnnually | $1k+$1k+ | 3.40%3.40% |
| 2 years | Non-regRRSPTFSA | Y | Annually— | At maturityAnnually | $1k+$1k+ | 3.10%3.10% |
| 3 years | Non-regRRSPTFSA | N | Annually— | At maturityAnnually | $1k+$1k+ | 3.50%3.50% |
| 3 years | Non-regRRSPTFSA | Y | Annually— | At maturityAnnually | $1k+$1k+ | 3.15%3.15% |
| 4 years | Non-regRRSPTFSA | N | Annually— | At maturityAnnually | $1k+$1k+ | 3.65%3.65% |
| 4 years | Non-regRRSPTFSA | Y | Annually— | At maturityAnnually | $1k+$1k+ | 3.30%3.30% |
| 5 years | Non-regRRSPTFSA | N | Annually— | At maturityAnnually | $1k+$1k+ | 3.65%3.65% |
| 5 years | Non-regRRSPTFSA | Y | Annually— | At maturityAnnually | $1k+$1k+ | 3.40%3.40% |
No rates match these filters.
Savings & chequing rates
data as of 2026-10-16Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| RRSP | |||||
| RRSP | Rrsp Daily Interest Acct. | Daily | Daily | $0 | 0.25% |
| TFSA | |||||
| TFSA | TFSA | Daily | Daily | $0 | 0.25% |
No rates match these filters.
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