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City Rates·St. John's, Newfoundland and Labrador

Best Credit Union GIC Rates in St. John's 2026

Compare 1-year, 3-year, and 5-year guaranteed investment certificate rates at credit unions serving St. John's. GIC deposits at Newfoundland and Labrador credit unions are protected with no dollar limit by Credit Union Deposit Guarantee Corporation (CUDGC Newfoundland and Labrador).

3 terms compared side by sideUnlimited deposit insurance
See St. John's RatesAll Newfoundland and Labrador

100% safe

principal + interest guaranteed regardless of market conditions

Unlimited

deposit insurance coverage in Newfoundland and Labrador

TFSA eligible

hold a GIC inside your TFSA for completely tax-free returns

Top GIC rates for St. John's residents

St. John's-headquartered credit unions first, then other Newfoundland and Labrador options. Sorted by rate within each tier.

Most credit unions serving St. John's require Newfoundland and Labrador residency or open-to-all membership. Check eligibility before purchasing a GIC.

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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 St. John's?

See every credit union serving Newfoundland and Labrador, or compare GIC rates across the whole country.

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