Best 120-Day Registered GIC Rates

Rates subject to change, updated:

If you want to invest in a registered savings deposit, but don’t know where to start, you may want to consider one of the many registered GICs that exist today. We shop all financial institutions, so you can compare all the best registered GICs in Canada. Find the registered GIC product that best serves your needs and we’ll help you open it.

Did you know that rates differ significantly between financial institutions, and within the various channels / methods where you purchase? Browse our Education Centre to learn about the GICs that best suit your saving needs.

GIC Rates that are eligible for a promotional offer are marked throughout the comparison chart with a promotional offer icon such as or . Click this box to show only GIC Rates that contain free promotional offers. For gift card FAQs and Terms & Conditions click here.

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Rate Provider Insured by Total return
0.6% Yes Various $9.86 Get this rate Get more details
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About BMO Bank of Montreal

BMO Financial Group is a provider of diversified financial services, ranging from personal and commercial banking to wealth management and capital markets services. Overall, BMO Financial Group has over 12 million customers internationally. Specifically, BMO Bank of Montreal handles all of the bank’s personal and commercial banking. When banking with BMO, you can expect 24/7 customer support via online banking, telephone and mobile banking, or branch locations during operating hours.

BMO Bank of Montreal GIC rates

BMO Bank of Montreal has a list of guaranteed investment certificate (GIC) products you can choose from. Within this list, you can find cashable, non-cashable, market-linked, and U.S. dollar GICs. Amongst cashable and non-cashable GIC investments, you can also choose between short-term and long-term investment periods. To buy a GIC from BMO, you require a minimum investment of at least $1,000.

A six-year, non-registered GIC with BMO offers one of the most competitive interest rates in the Canadian market. Interest rates for individual BMO GICs will vary based on term length, with BMO’s 10-year GICs offering the highest rates.

Compare other BMO Bank of Montreal products

As one of Canada’s five largest banks, BMO Bank of Montreal also offers a number of chequing and savings accounts tailored to different customers within its personal and commercial banking services. Within BMO’s products and services, you can find cash back and travel rewards credit cards.

Get the best GIC rates

BMO Bank of Montreal’s extensive GIC offerings might have the investment options you’ve been looking for. If not, feel free to also look through our GIC comparison tools, which will help you find the highest interest rates from a number of Canada’s GIC providers.

Best GIC Providers