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New business and underwriting
Competitor guaranteed rates
As of September 30, 2026
| n/a | Redeemable | Non-redeemable | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| n/a | 1 year | 2 year | 3 year | 4 year | 5 year | 1 year | 2 year | 3 year | 4 year | 5 year |
| Superflex (Insurance GIC) | 3.00 | 3.15 | 3.25 | 3.35 | 3.45 | - | - | - | - | - |
| Sun GIC Max (Trust GIC) | - | - | - | - | - | 3.30 | 3.45 | 3.50 | 3.60 | 3.65 |
| Equitable | 3.05 | 3.25 | 3.50 | 3.70 | 4.20 | - | - | - | - | - |
| Canada Life | 2.80 | 3.10 | 3.30 | 3.45 | 3.65 | - | - | - | - | - |
| Desjardins | 2.00 | 2.65 | 2.90 | 3.05 | 3.15 | - | - | - | - | - |
| Empire Life | 2.55 | 2.95 | 3.20 | 3.40 | 3.90 | - | - | - | - | - |
| Manulife Bank | - | - | - | - | - | 3.35 | 3.70 | 3.80 | 3.90 | 4.05 |
| Desjardins - Caisses | - | - | - | - | - | 3.30 | 3.30 | 3.30 | 3.35 | 4.00 |
| TD Canada Trust | - | - | - | - | - | 3.00 | 3.20 | 3.30 | 3.35 | 3.55 |
| Bank of Montreal | - | - | - | - | - | 3.00 | 3.20 | 3.30 | 3.35 | 3.55 |
| Bank of Nova Scotia | - | - | - | - | - | 2.45 | 2.50 | 2.60 | 2.70 | 2.75 |
| CIBC | - | - | - | - | - | 2.00 | 2.00 | 2.10 | 2.20 | 2.20 |
| Royal Bank of Canada | - | - | - | - | - | 2.45 | 2.55 | 2.55 | 2.70 | 2.75 |
| National Bank | - | - | - | - | - | 3.30 | 3.65 | 3.75 | 3.85 | 4.00 |
Rates are extracted from CANNEX and are subject to change without prior notice, check www.cannex.com for the most up to date rates