GIC Rates

View the digital GIC interest rates.

B2B Bank GIC Deposit Rates (%) - as of July 10, 2025

Short Term Deposits

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

30-59 Days 60-89 Days 90-119 Days 120-179 Days 180-269 Days 270-364 Days
Canadian Dollar 1.750 1.750 2.000 2.000 2.500 2.600

Long Term Deposits – GICs

Minimum 1 Year 2 Years 3 Years 4 Years 5 Years
Annual Pay or Compound $ 1,000.00 3.100 3.200 3.350 3.400 3.500
Semi-Annual $ 1,000.00 2.850 2.950 3.100 3.150 3.250
Quarterly $ 1,000.00 2.725 2.825 2.975 3.025 3.125
Monthly $ 10,000.00 2.725 2.825 2.975 3.025 3.125

RRSP1

Minimum 1 Year 2 Years 3 Years 4 Years 5 Years
Annual Pay or Compound $ 1,000.00 3.100 3.200 3.350 3.400 3.500

RRIF1

(Minimum deposit: $10,000 per portfolio)

Minimum 1 Year 2 Years 3 Years 4 Years 5 Years
Annual Pay or Compound $ 1,000.00 3.100 3.200 3.350 3.400 3.500
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.

Laurentian Bank, LBC Trust, Laurentian Trust Company GIC Deposit Rates¹ (%) - as of July 10, 2025

Short Term Deposits

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

30-59 Days 60-89 Days 90-119 Days 120-179 Days 180-269 Days 270-364 Days
Canadian Dollar 1.750 1.750 2.000 2.000 2.500 2.600

Long Term Deposits – GICs

Minimum 1 Year 2 Years 3 Years 4 Years 5 Years
Annual Pay or Compound $ 1,000.00 3.100 3.200 3.350 3.400 3.500
Semi-Annual $ 1,000.00 2.850 2.950 3.100 3.150 3.250
Quarterly $ 1,000.00 2.725 2.825 2.975 3.025 3.125
Monthly $ 10,000.00 2.725 2.825 2.975 3.025 3.125

RRSP1

Minimum 1 Year 2 Years 3 Years 4 Years 5 Years
Annual Pay or Compound $ 1,000.00 3.100 3.200 3.350 3.400 3.500

RRIF1

(Minimum deposit: $10,000 per portfolio)

Minimum 1 Year 2 Years 3 Years 4 Years 5 Years
Annual Pay or Compound $ 1,000.00 3.100 3.200 3.350 3.400 3.500

¹Rates for terms sold through deposit brokers.