Looking for a solid fixed rate in Canada? Skip the tab-hopping — answer a few Qs and we'll show GICs, savings, and bonds that match what you've got in mind.
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Savings, fixed-rate bonds, GICs, and government-backed products.
Compare fixed incomeVariable-rate accounts you can dip in and out of. Compare rates, deposit protection, and minimum balances — no lock-in required.
Compare savingsWhy fix your rate?
Markets go up, markets go down. Fixed-rate products don't — you trade some upside for predictability. For a lot of people that's a feature, not a bug.
GICs are built for this — guaranteed rate, CDIC cover at member banks
Rate locked in for the term — no nasty surprises if base rates drop
Easier to plan: you know roughly what you'll earn upfront
Less stress than stocks or funds — your capital isn't riding the daily news cycle
Decent home for money you can't afford to gamble (emergency fund, house deposit, etc.)
In Canada
Deposits at CDIC member institutions — incl. most big banks — are protected up to $100,000 per insured category, per member. GICs and savings at covered banks typically count.
Not every fintech or credit union is a member. Confirm on cdic.ca before you move serious money.
How it works
We auto-detect where you are — switch anytime if you're browsing for elsewhere.
Deposit size, term, and a couple more — about a minute, not a spreadsheet.
Matched products for Canada, recommended picks flagged upfront. Apply direct with the provider.
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Annual rate (APR)