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City Rates·Toronto, Ontario

Best Credit Union GIC Rates in Toronto 2026

Compare 1-year, 3-year, and 5-year guaranteed investment certificate rates at credit unions serving Toronto. GIC deposits at Ontario credit unions are protected up to $250,000 per insured category by Financial Services Regulatory Authority of Ontario (FSRA).

3 terms compared side by sideUp to $250,000 per insured category insured
See Toronto RatesAll Ontario

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 for Toronto residents

Toronto-headquartered credit unions first, then other Ontario options. Sorted by rate within each tier.

Most credit unions serving Toronto require Ontario 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 Toronto?

See every credit union serving Ontario, or compare GIC rates across the whole country.

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