Best 3-Year Non-registered GIC Rates

Rates subject to change, updated:

Whether you’re looking for a short-term redeemable GIC or long-term non-redeemable GIC, you’ve come to the right place. We shop and compare all financial institutions, to bring you a list of the best GIC rates in Canada. Find the non-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.

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Location Please ensure your location is correct in order to find the best rates available in your area.
Note: CDIC (a federal Crown Corporation) covers eligible deposits up to a maximum of $100,000 (principal and interest combined) per depositor per member institution. Visit CDIC.ca to learn more.

Update results

Hit enter or click outside the box to refresh your results
Location Please ensure your location is correct in order to find the best rates available in your area.
Note: CDIC (a federal Crown Corporation) covers eligible deposits up to a maximum of $100,000 (principal and interest combined) per depositor per member institution. Visit CDIC.ca to learn more.

Update results

Hit enter or click outside the box to refresh your results
Location Please ensure your location is correct in order to find the best rates available in your area.
Note: CDIC (a federal Crown Corporation) covers eligible deposits up to a maximum of $100,000 (principal and interest combined) per depositor per member institution. Visit CDIC.ca to learn more.

Update results

Hit enter or click outside the box to refresh your results
Location Please ensure your location is correct in order to find the best rates available in your area.
Note: CDIC (a federal Crown Corporation) covers eligible deposits up to a maximum of $100,000 (principal and interest combined) per depositor per member institution. Visit CDIC.ca to learn more.
Rate Provider CDIC insured How to buy Total return
2.46% Yes Various $369.00 Get this rate Get more details
1.35% Yes Various $202.50 Get this rate Get more details
[min-return-title] View details Yes No How to buy
Get this rate

About RBC

Royal Bank of Canada (RBC) is one of the Big Five banks in Canada. While you can get savings and chequing accounts from RBC, you can also open investment accounts. Moreover, RBC has the largest branch and automated banking machine network across banks in Canada. RBC also offers online, mobile, and telephone banking to support its personal banking products and services.


RBC's GIC rates

RBC’s guaranteed investment certificate (GIC) rates are comparable to GIC rates from other major banks in Canada, but remain relatively competitive nonetheless. RBC offers both redeemable (cashable) and non-redeemable (non-cashable) GICs. When selecting a non-redeemable GIC, which pays you interest at its maturity date, you can select a short-term investment period of less than 364 days. If you choose to have your interest paid out to you annually, semi-annually or monthly, longer term lengths between one to 10 years can be chosen. These payout conditions apply to both RBC’s non-redeemable and redeemable GICs.


Compare other RBC products

Like other major banks in Canada, RBC offers personal banking products, such as savings and chequing accounts, mortgages, and credit cards. If you’re searching for a savings account, RBC offers a variety of accounts with tiered and fixed savings rates.


Get the best GIC rates

RBC offers some of the more competitive rates on GICs compared to other major Canadian banks. However, other GIC providers may still have investment options that are better tailored towards your needs. To find out more about what other GIC options are available to you, you can use our GIC comparison tool to compare rates.


Best GIC Providers