Best Credit Union
GIC Rates in Ontario 2026
Compare 1-year, 3-year, and 5-year guaranteed investment certificate rates at Ontario credit unions. GIC deposits at Ontario credit unions are protected up to $250,000 per insured category by Financial Services Regulatory Authority of Ontario (FSRA).
100% safe
principal + interest guaranteed regardless of market conditions
$250,000 per insured category
deposit insurance coverage in Ontario
TFSA eligible
hold a GIC inside your TFSA for completely tax-free returns
Top GIC rates in Ontario by term
Rates sourced directly from official credit union websites. Shown highest first within each term.
These are Ontario credit unions only. Some may require provincial residency for membership. Check eligibility before purchasing a GIC.
1-Year GIC Rates
All 1-Year GICKorean Catholic Church Credit Union Limited
Southwest Regional Credit Union
Thorold Community Credit Union
Lighthouse Credit Union
Windsor Family Credit Union Limited
Equity Credit Union Inc.
Healthcare & Municipal Employees' Credit Union Limited
Talka Credit Union Limited
Parama Credit Union Limited
Moya Financial Credit Union Limited
3-Year GIC Rates
All 3-Year GICKindred Credit Union Limited
Kingston Community Credit Union
Meridian Credit Union
Healthcare & Municipal Employees' Credit Union Limited
Resurrection Credit Union Limited
Equity Credit Union Inc.
Lighthouse Credit Union
Southwest Regional Credit Union
Windsor Family Credit Union Limited
Thorold Community Credit Union
5-Year GIC Rates
All 5-Year GICHealthcare & Municipal Employees' Credit Union Limited
Kingston Community Credit Union
Resurrection Credit Union Limited
Meridian Credit Union
Southwest Regional Credit Union
Kindred Credit Union Limited
Equity Credit Union Inc.
DUCA Financial Services
Comtech Fire Credit Union Limited
Talka Credit Union Limited
Rates shown are for standard non-redeemable GICs unless otherwise indicated. Always confirm the current rate directly with the credit union before purchasing.
Looking beyond Ontario?
Some credit unions accept members from anywhere in Canada. Our national GIC rate rankings include every credit union in our directory, sorted by rate across all three terms.