GIC Rates

View the digital GIC interest rates.

CDIC Badge

 

B2B Bank is a member of the CDIC. Only deposits payable in Canada are eligible to be insured under the Canada Deposit Insurance Corporation Act. For more information about deposit protection, visit www.cdic.ca.

  1. Simple interest is only offered for terms of less than two years.

B2B Bank GIC Deposit Rates (%) - as of July 10, 2026 at 7:20am

Short Term Deposits

(Minimum $25,000 for 30-89 days; $5,000 for 90-364 days)

Type 30-59 Days 60-89 Days 90-119 Days 120-179 Days 180-269 Days 270-364 Days
Canadian Dollar 1.250 1.250 1.500 1.500 2.500 2.750

Long Term Deposits – GICs

Term Minimum 1 Year 2 Years 3 Years 4 Years 5 Years
Annual Pay or Compound $ 1,000.00 3.180 3.500 3.700 3.750 3.800
Semi-Annual $ 1,000.00 2.930 3.250 3.450 3.500 3.550
Quarterly $ 1,000.00 2.805 3.125 3.325 3.375 3.425
Monthly $ 10,000.00 2.805 3.125 3.325 3.375 3.425

RRSP1

Term Minimum 1 Year 2 Years 3 Years 4 Years 5 Years
Annual Pay or Compound $ 1,000.00 3.180 3.500 3.700 3.750 3.800

RRIF1

(Minimum deposit: $10,000 per portfolio)

Term Minimum 1 Year 2 Years 3 Years 4 Years 5 Years
Annual Pay or Compound $ 1,000.00 3.180 3.500 3.700 3.750 3.800

Laurentian Bank, LBC Trust, Laurentian Trust Company GIC Deposit Rates¹ (%) - as of July 10, 2026 at 7:20am

Short Term Deposits

(Minimum $25,000 for 30-89 days; $5,000 for 90-364 days)

Type 30-59 Days 60-89 Days 90-119 Days 120-179 Days 180-269 Days 270-364 Days
Canadian Dollar 1.250 1.250 1.500 1.500 2.500 2.750

Long Term Deposits – GICs

Term Minimum 1 Year 2 Years 3 Years 4 Years 5 Years
Annual Pay or Compound $ 1,000.00 3.180 3.500 3.700 3.750 3.800
Semi-Annual $ 1,000.00 2.930 3.250 3.450 3.500 3.550
Quarterly $ 1,000.00 2.805 3.125 3.325 3.375 3.425
Monthly $ 10,000.00 2.805 3.125 3.325 3.375 3.425

RRSP1

Term Minimum 1 Year 2 Years 3 Years 4 Years 5 Years
Annual Pay or Compound $ 1,000.00 3.180 3.500 3.700 3.750 3.800

RRIF1

(Minimum deposit: $10,000 per portfolio)

Term Minimum 1 Year 2 Years 3 Years 4 Years 5 Years
Annual Pay or Compound $ 1,000.00 3.180 3.500 3.700 3.750 3.800

¹Rates for terms sold through deposit brokers.