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 February 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 2.000 2.100

Long Term Deposits – GICs

Term Minimum 1 Year 2 Years 3 Years 4 Years 5 Years
Annual Pay or Compound $ 1,000.00 2.680 3.020 3.260 3.350 3.450
Semi-Annual $ 1,000.00 2.430 2.770 3.010 3.100 3.200
Quarterly $ 1,000.00 2.305 2.645 2.885 2.975 3.075
Monthly $ 10,000.00 2.305 2.645 2.885 2.975 3.075

RRSP1

Term Minimum 1 Year 2 Years 3 Years 4 Years 5 Years
Annual Pay or Compound $ 1,000.00 2.680 3.020 3.260 3.350 3.450

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 2.680 3.020 3.260 3.350 3.450

Laurentian Bank, LBC Trust, Laurentian Trust Company GIC Deposit Rates¹ (%) - as of February 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 2.000 2.100

Long Term Deposits – GICs

Term Minimum 1 Year 2 Years 3 Years 4 Years 5 Years
Annual Pay or Compound $ 1,000.00 2.680 3.020 3.260 3.350 3.450
Semi-Annual $ 1,000.00 2.430 2.770 3.010 3.100 3.200
Quarterly $ 1,000.00 2.305 2.645 2.885 2.975 3.075
Monthly $ 10,000.00 2.305 2.645 2.885 2.975 3.075

RRSP1

Term Minimum 1 Year 2 Years 3 Years 4 Years 5 Years
Annual Pay or Compound $ 1,000.00 2.680 3.020 3.260 3.350 3.450

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 2.680 3.020 3.260 3.350 3.450

¹Rates for terms sold through deposit brokers.