Find the Best GIC Rates in Toronto, ON
We are your one-stop shop for CDIC-insured GIC rates in Toronto. View your GIC portfolio on your personal dashboard with a simple secure login.
Today's Best GIC Rates
2.15% for 15 Months!
***Special GIC Offer - 2.15% for 15 Months!***
Available only to Ontario residents for GICs for individual and joint non-registered accounts. Insured up to $250,000 per account.
You missed out!
Today's GIC Rates
| 1 Year | 2 Year | 3 Year | 4 Year | 5 Year |
|---|---|---|---|---|
6 Month Non-Redeemable 0.90% |
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Click on the dropdown to compare GIC rates for 1 Year, 3 Year or 5 Year GICs to major bank rates and see how as a deposit broker we get you higher GIC interest rates.
Find The Best GIC Rates & Buy Using Our Digital GIC Platform:
Simplicity + Security + Performance
One Online Account
Provide information according to anti-money laundering and FINTRAC. One time profile setup to access 20+ institutions online from one account.
Deposit Insured GIC Portfolio
Use our CashiQ digital GIC platform to construct a GIC portfolio with CDIC and provincially insured issuers. Banks, credit unions, trust companies.
Securely Fund GIC Purchases
By setting up a secure account profile in the cloud, you can connect your home bank account to 20+ issuers so the funds transfer is seamless when you decide to buy.
View Your GIC Portfolio Dashboard
Login to 24/7 real-time dashboard to view your GICs. View your GIC certificates, maturity dates, GIC rates board, deposit insurance limits & GIC reporting & more.
Buy Your GICs Today
Complete the form and we'll get back to you right away to answer your questions and walk you through to complete the process. We'll send you a secure email to setup a profile to buy GICs securely online. Alternatively, call us at (416)966-0606.
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CDIC and Assuris deposits are insured up to $100,000. DICO deposits insured up to $250,000. Rates are subject to change without notice. Certain minimums may apply. Call for details. E&OE.
Get Access To The Best GIC Rates - Setup An Easy Online Account
Create A New Online GIC Account With A Blue Alpha Wealth Advisor
Setup your own personal account and profile with secure login by speaking with an advisor. Typical client information like identification is required to meet regulatory requirements. This one time setup will allow you to buy all your guaranteed investment certificates from different banks and credit unions from one secure online portal.
Create a GIC Portfolio from 20 Different Issuers
Choose federally CDIC-insured, provincial Deposit Insurance Corporation of Ontario (DICO) and life insurance issued GIC rates. These include banks, credit unions and trust companies.
Secure Your GIC Rates By Funding Your Purchases by EFT or Cheque
Your deposit goes directly to the financial institution or bank you choose. Blue Alpha Wealth never takes or has access to your funds. You can make transfer using electronic funds transfer (EFT) directly from your bank or financial institution to the GIC issuer. Or you can issue a cheque if you choose.
Your GIC Certificates Are Issued Instantly & Electronically
Once you make a purchase your guaranteed investment certificate is issued instantly by the financial institution you choose. You can view these certificates online in your sign-in portal or you can print them for your records.
Login To Portal To View Your GIC Portfolio Online
24 hours a day, 7 days a week you will be able to login securely and have access to your GIC portfolio online. You will also be able to see real-time your interest as well as find more GIC rates to buy more GICs. Our portal will also be able to tell you your insurance threshold and recommend GICs so that you don't go over the CDIC or DICO insurance threshold.
Blue Alpha Wealth is not a bank or financial institution. We never take custody of your money or funds. We are a no-fee Registered Deposit Broker and our purpose is to help you secure the best GIC rates online to get the most return on your GIC portfolio.
We help you invest in provincially (DICO) and federally (CDIC) insured deposits of tier Canadian banks, life insurance companies, trust companies and credit unions. The difference is you buy your GICs online and view your portfolio online without having to contact each institution separately.
We Offer the Best GIC Rates for Different Investment Account Types
Individual Personal Account
Joint Personal Account
Business Corporate
Condominium Board
Power of Attorney
Charities
Testamentary Trust
RRSP & TFSA
Setup Your GIC Profile
JOIN NOW TO GET THE BEST GIC RATES ONLINE!
GICs are 100% CDIC-insured and guaranteed
Search the Best GIC Rates and Invest In A GIC Portfolio Securely & Simpler Online
Financial Institutions We Represent For Your GIC Rates
Banks
Credit Unions
Trust Companies
Life Insurance Companies
FAQ
Answers to your questions about getting GIC rates and buying GICs online
No, there is no cost to buying GICs online with Blue Alpha Wealth. It's the same process but we've just made it easier for you using technology to buy all your GICs from one account. You also have a live rate board for current GIC rates.
Yes! All GICs you buy through our platform are insured either $100,000 for CDIC (banks, trusts) and Assuris (life insurance GICs) deposits OR $250,000 for DICO (credit unions) deposits.
No you don't! That's the advantage of dealing with Blue Alpha Wealth. All you have to do is setup one online account and setup a GIC profile. Once you setup a profile you'll be able to buy GICs from 20+ financial institutions and see live GIC rates 24/7. Each time you buy a GIC your banking information will be connected directly with the institution and fund transferred through electronic funds transfer. This is done securely in the cloud through servers housed in Canada.
Yes! Blue Alpha Wealth never takes custody or has access to your funds. Your online profile is linked securely and directly to any of the 20+ financial institutions available for you to choose GIC rates from. We are just brokers linking you to these financial institutions with the best insured GIC rates.
Buy Your GICs Online Using Our fully Digital Platform
Shopping for GIC rates made easier
Simple Application
Create an online account once and you can buy, sell and view your GICs using a secure online dashboard.
Fully Insured Deposits
Secured by federal and provincial insurers. $100,000 for CIDC and $250,000 for DICO and Assuris.
Secure Deposits & Profile
Blue Alpha Wealth does not take custody of your deposits. Your deposits go directly to the GIC issuer. Your online profile in addition, is protected by end-to-end encryption
Higher GIC Interest Rates
Access to 20+ GIC issuers. You get higher interest rates with the same deposit protection because they have less brick and mortar costs.
We provide an online digital marketplace to help you invest & build a portfolio of CDIC & Provincially insured Guaranteed Investment Certificates (GICs).
Your GICs are secure and insured. We've just changed the process of buying them.
20+
Issuers of GIC Rates
100%
CDIC & DICO Insured
1
Online GIC Dashboard
Investor Protection - GIC Deposit Insurance
Your GICs are guaranteed and insured federally by the Canada Deposit Insurance Corporation and provincially by the Deposit Insurance Corporation of Ontario and Assuris.
deposits
100%
guaranteed
Buy Your GICs Online With One Account
Create Account & Buy GICs Online
Complete the form with general information about what you're looking for. We'll get back to you right away to answer your questions and walk you through to complete the process. You are not obligated to purchase GICs right away. This is just to setup your profile so when you're ready you can buy and view your GIC portfolio all in one place. This is a 3-5 minute one-time setup. We'll send you a secure email to begin the process securely online. Alternatively, call us at (416)966-0606.
Why Are We Able To Find You The Highest GIC Rates On The Market?
We typically have guaranteed investment certificate rates that are 1% higher than the big banks. As a one stop shop to help you search the best GIC rates online, we help you automatically compare the best and highest rates based on your CDIC insurance requirements.
Issuer Lower Operating Costs
Credit unions, smaller banks, life insurance and trust companies pass on savings due to lower operating costs which mean higher GIC interest rates.
Same Guarantees As Major Banks
Because you're not having to search one by one and having to go to your bank branch where you will typically get 1% less, you get higher GIC rates with same security.
Technology
Our CashiQ algorithm helps you optimize the best interest rates paid on your deposits on a daily basis. This technology also optimizes your portfolio to show you which institutions you've maxed out on with regards to deposit insurance
Blue Alpha Wealth GIC Advantage
We are No-Fee Deposit Broker meaning there is no cost to you getting the highest GIC rates from the 20+ financial institutions we work with. A retail brick and mortar bank branch can only offer you their in-house GIC rates.
higher insured gic rates