Best 3-Year GIC Rates In Canada For February 2025

Opting for the TD Canadian Banks GIC within RSP, RIF or RESP accounts is a prudent choice if you are seeking a balanced mix of security and potential growth. With a guaranteed minimum interest return of 10% and the possibility of reaching up to 25%, this GIC offers a competitive edge. Its link to the S&P/TSX Bank Index allows investors to tap into the financial performance of Canada’s banking sector, with the added advantage of being housed within tax-advantaged accounts, enhancing the overall investment return.

The TD Canadian Banks GIC for RSP, RIF and RESP accounts is particularly attractive if you are looking to leverage retirement and education savings plans. By aligning the investment with the performance of Canada’s strong banking sector, it provides you with a growth opportunity that traditional fixed-income investments rarely offer. The low entry point of $500 ensures that even investors with modest portfolios can take advantage of this product. Furthermore, the structure of this GIC, designed for tax-advantaged accounts, means that the returns are maximized in a tax-efficient manner, making it a smart choice if you are planning for retirement or education funding.

The TD Canadian Banks GIC for non-registered accounts and TFSAs is an attractive investment option due to its link with the S&P/TSX Bank Index, reflecting the performance of major Canadian banks. This GIC guarantees a minimum 10% return, with the potential to reach up to 25%, combining security with the opportunity for significant growth. The principal is protected and the investment is CDIC eligible, making it a secure choice if you are looking to benefit from the financial sector’s performance without direct stock market exposure.

The TD Canadian Banks GIC within non-registered accounts and TFSAs is an excellent option for investors looking to capitalize on the banking sector’s robustness without incurring the volatility of direct stock investments. With terms suitable for a variety of registered accounts and a non-registered option, this GIC is flexible enough to fit diverse investment strategies. The guaranteed minimum return offers a solid base, while the link to the S&P/TSX Bank Index allows investors to potentially exceed traditional GIC returns, making it a standout choice in the three-year GIC category.

The TD U.S. Top 500 GIC for RRSP, RRIF and RESP accounts offers a unique investment opportunity by linking returns to the S&P 500 Index, a benchmark that represents the stock performance of 500 of the largest companies listed on stock exchanges in the United States. This GIC not only provides a guaranteed minimum return of 7% but also offers the potential to achieve up to 20% based on the index’s performance. It’s an attractive option if you are looking to diversify your portfolio with exposure to the U.S. stock market, ensuring that your principal amount is secure.

The TD U.S. Top 500 GIC within RRSP, RRIF and RESP accounts is designed for investors seeking to tap into the growth potential of the U.S. stock market without directly investing in stocks. With a term of three years, it’s a medium-term investment that offers a blend of stability and potential growth. This GIC is especially suitable for retirement accounts like RSPs and RIFs, as well as education savings plans like RESPs, providing a secure yet growth-oriented investment option. The minimum deposit requirement makes it accessible to a wide range of investors, offering a strategic way to diversify and grow their portfolios with a link to international markets.

The RBC Canadian Banking MarketSmart GIC offers a compelling blend of security and potential high returns, linked to the performance of the S&P/TSX Banks Index. This GIC guarantees a 10% return, with a possibility of reaching up to 25%, providing an excellent growth opportunity while ensuring your principal is fully protected. Ideal for investors seeking the growth potential of equities without the associated risks, this GIC stands out for its balance of safety and potential high yield within the Canadian banking sector.

Related: Best RBC GIC Rates In Canada

The RBC Canadian Banking MarketSmart GIC is an innovative financial product that offers investors exposure to the Canadian banking sector’s performance with a safety net. The three-year term is an attractive middle ground for investors looking for medium-term investments that can outperform traditional GICs while maintaining capital security. This GIC is suitable for investors who prefer to have their principal protected while still having the opportunity to benefit from the financial market’s potential upside. It’s a smart choice if you wish to diversify your portfolio with a product that offers a minimum return guarantee, along with the excitement of variable market-linked growth potential.

The RBC Canadian Utilities MarketSmart GIC offers an appealing blend of security and growth potential, linking returns to the S&P/TSX Capped Utilities Sector Index. This GIC is perfect for anyone seeking the growth potential of equities while ensuring the preservation of their principal. With a guaranteed minimum return of 7% and the possibility of reaching up to 30% based on the utilities sector’s performance, this GIC stands out for investors looking to tap into the utilities market’s potential without direct exposure to stock market volatility.

The RBC Canadian Utilities MarketSmart GIC is an innovative financial product that allows investors to benefit from the performance of the Canadian utilities sector. This three-year GIC is an excellent choice if you are looking to diversify your investment portfolio with a product that offers a higher potential return than traditional GICs—while maintaining capital protection. The return is based on the performance of the S&P/TSX Capped Utilities Sector Index, offering a direct link to the utilities market’s performance. This GIC is suitable for investors who are looking for a mix of stability and potential growth in their investment choices, providing a smart option for medium-term financial planning.

The RBC North American MarketSmart GIC stands out by offering a unique blend of security and growth potential, linking its returns to the performance of a diversified basket of 20 prominent North American companies. This GIC is an excellent choice for investors who want to participate in the equity market’s potential upside without risking their principal. With a minimum guaranteed return of 9.5% and the possibility of achieving up to 25% based on the performance of the equity basket, it offers a compelling mix of stability and growth potential.

The RBC North American MarketSmart GIC is designed for investors looking to diversify their portfolio by gaining exposure to a broad range of sectors across North America without direct investment in the stock market. This three-year GIC combines the safety of a traditional GIC with the growth potential of the equity market, making it an attractive option for medium-term investors. The returns are linked to an equally weighted basket of 20 companies, offering balanced exposure to various industries while reducing sector-specific risks. This GIC is an ideal investment solution if you are seeking to blend the security of guaranteed returns with the potential for higher market-driven gains.

CIBC Market Mix GICs offer a unique investment opportunity by linking returns to a global portfolio of indices, including the EURO STOXX 50, S&P/ASX 200 and S&P 500. This approach allows investors to tap into the growth potential of major global markets while ensuring 100% principal protection. With a maximum return potential of 30% and a minimum guaranteed return, these GICs are a smart choice if you are looking to diversify your portfolio internationally without the risk of losing their principal.

The CIBC Market Mix GIC is designed for investors looking for growth opportunities beyond Canadian borders with the security of a GIC. By investing in a mix of indices representing Europe, Australia and the U.S., these GICs provide balanced exposure to global markets. The participation rate of 120% enhances the potential for returns, although the maximum is capped at 30%. This GIC is an excellent choice if you are aiming for higher growth without risking your principal, making it a smart addition to a diversified investment portfolio.

The Canadian Market-Linked GIC offers investors a unique opportunity to participate in the potential growth of the Canadian equity market without risking their principal. By linking returns to the S&P/TSX 60 Index, investors can benefit from market upswings while enjoying the security of a GIC. This product is ideal for those looking to diversify their portfolio and step beyond traditional fixed-rate GICs without sacrificing the guarantee of their original investment.

The Canadian Market-Linked GIC is structured to provide investors with a way to gain exposure to the Canadian stock market’s potential returns while maintaining the security of a traditional GIC. The return calculation method, based on the average performance of the S&P/TSX 60 Index over the term, offers a balanced approach to capturing market gains. This GIC is particularly suited to investors seeking market-related growth opportunities but who are cautious about direct stock market investment. It’s an innovative financial product that aligns with the goals of investors looking for growth, security and market participation in their investment portfolios.

The CIBC Canada Bank Market Return GICs stand out for their innovative approach to combining the security of a GIC with the growth potential of the Canadian banking sector. By linking returns to the Solactive Canada Bank 40 AR Index, this GIC offers a unique opportunity to benefit from the performance of the top Canadian banks. With a guaranteed minimum return of 10.5% and the potential to reach up to 18%, these GICs offer an attractive balance between risk and reward, making them an excellent choice for investors looking to diversify their portfolio.

This CIBC Canada Bank Market Return GIC allows investors to engage with the financial sector without direct exposure to market volatility. The GIC is linked to the Solactive Canada Bank 40 AR Index, which includes the largest and most stable Canadian banking institutions. This provides a clear path for investors to gain from the banking sector’s potential growth while enjoying the security and predictability of a GIC. It’s a strategic choice for anybody seeking to blend the stability of GICs with the dynamic nature of equity markets, especially in a sector as pivotal as banking.

CIBC’s Canadian Financials Market Return GICs merge the stability of a GIC with the growth potential of the Canadian banking sector, as measured by the Solactive Canada Bank Index. This GIC is an excellent choice for investors seeking exposure to the financial sector without sacrificing the security of their capital. With a potential return of up to 30%, this GIC offers an enticing blend of safety and performance, ideal for anyone looking to benefit from the stability and potential growth of Canada’s major banks.

The CIBC Canadian Financials Market Return GICs offer an innovative way for investors to participate in the financial performance of Canada’s banking sector with the added security of a GIC. By linking the return to the Solactive Canada Bank Index, investors have a unique opportunity to benefit from the market’s potential growth while ensuring their principal amount is fully protected. This GIC is especially appealing for anybody looking to diversify their portfolio with a product that offers higher return potential than traditional fixed-rate GICs, all within a secure investment.