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Find the Best GIC Rates in Toronto

We help you setup your own personal secure profile to view, compare and buy CDIC insured GICs. We help you create your GIC portfolio all in one place. We help you find the best GIC rates across banks and credit unions.

  • Buy GICs online securely from 20+ issuers.
  • CDIC and DICO insured GICs.
  • Create a portfolio of different insured GICs.
  • We are a no-fee GIC deposit broker.

Today's Best GIC Rates

As a deposit broker we get you higher GIC interest rates.

Today's GIC Rates

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GIC rates in Toronto

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Get the Best GIC Interest Rates For Your Term Deposits

When thinking of buying guaranteed investment certificates, most people think about the GIC interest rate as the most important factor.  Its important to compare GIC interest rates in light of the deposit insurance as well as your goals.

Type of Investment Account
Please Select One
  • RRSP
  • TFSA
  • Non-Registered Account
  • Private Business
  • Condominium Corporation
  • Charity
GIC $ Amount
Please Select One
  • $25,000
  • $30,000
  • $40,000
  • $50,000
  • $75,000
  • $100,000
  • $150,000
  • $175,000
  • $200,000
  • $250,000
  • $300,000
  • $350,000
  • $400,000
  • $450,000
  • $500,000+
GIC Term
Please Select One
  • 30-270 days
  • 1 Year
  • 2 Year
  • 3 Year
  • 4 Year
  • 5 Year
  • 6-10 Year
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Compare Our Broker GIC Rates to Bank Branch

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.

GICs are 100% CDIC-insured and guaranteed

Search the Best GIC Rates and Invest In A GIC Portfolio Securely.

Financial Institutions We Represent For Your GIC Rates

Banks

100%

Credit Unions

100%

Trust Companies

100%

Life Insurance Companies

100%
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How Do I Get Started?

Create Profile & Buy GICs Online

Complete the form below 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.

Find the Best GIC Interest Rates For Your Term Deposits

  • Create a portfolio of high interest GICs from banks, credit unions, trusts & life insurance companies
  • Buy all your GIC's directly through us in one online platform securely.
  • No need to go each individual institution.  We are your one stop shop of insured GICs.
  • Your deposits go directly to the institution.  We do not hold or have access to your money.
  • View your GIC portfolio online.
Type of Investment Account
Please Select One
  • RRSP
  • TFSA
  • Non-Registered Account
  • Private Business
  • Condominium Corporation
  • Charity
GIC $ Amount
Please Select One
  • $25,000
  • $30,000
  • $40,000
  • $50,000
  • $75,000
  • $100,000
  • $150,000
  • $175,000
  • $200,000
  • $250,000
  • $300,000
  • $350,000
  • $400,000
  • $450,000
  • $500,000+
GIC Term
Please Select One
  • 30-270 days
  • 1 Year
  • 2 Year
  • 3 Year
  • 4 Year
  • 5 Year
  • 6-10 Year
0 of 500
By submitting this form I confirm that my information is accurate
Send Message

your money

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.

Canada Deposit Insurance Corporation CDIC logo
Deposit Insurance Corporation of Ontario DICO
Best GIC rates with Assuris deposit insurance
Toronto GIC rates Registered Deposit Brokers Association of Ontario Logo
  • GICs purchased from Canadian banks and trust companies are insured to a maximum of $100,000 per insured category by CDIC.
  • GICs purchased from Canadian credit unions are insured by provincial programs to a maximum of $250,000 per insured category
  • Term deposits with life insurance companies in Canada are covered by Assuris up to $100,000.
  • Blue Alpha Wealth enables you to construct a portfolio of GICs that are guaranteed, insured and protected.

Click for the CDIC Reference Guide

Cdic guide

Curious About Getting Started?

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Common Guaranteed Investment Certificate Questions

What is the benefit of investing in GICs?

If you're looking for safety of principal and less volatility and fluctuation than other types of investments. GICs are generally safe and have deposit insurance coverage.

What is GIC laddering?

GIC laddering allows you to diversify the term and length of your GIC purchases. It allows you take advantage of rising GIC interest rates without locking in all your money in one GIC.

How does CDIC GIC deposit insurance work?

Canada Deposit Insurance Corporation is a federal agency that helps to insure the deposits of consumers in regulated banks and trust companies in the event of default.

CDIC vs. DICO  vs. Assuris deposit insurance?

CDIC and Assuris cover deposits of up to $100,000.  Assuris covers life insurance GICs. DICO is provincial and covers deposits up to $250,000

What is the Registered Deposit Brokers Association?

The RDBA is regulatory body for licensed financial advisors to sell GICs. Deposit Brokers are financial professionals who get you the best GIC rates from Canadian banks, trust companies and credit unions.

Who has the best GIC rates in Canada?

The best GIC rates in Canada can be found using a deposit broker like Blue Alpha Wealth. This is because the financial institutions we represent have less operating costs.

Big Bank GIC rates vs Deposit Broker GIC rates?

Big bank GIC rates are usually 1% less than deposit broker GIC rates because of the fact that big banks have more operating costs they have to account for compared to other institutions.

What types of GICs are available for investors?

You can buy short or long-term GICs from 30 days to typically 5 years or more. The GIC rates and GICs are from credit unions, banks, trusts and life insurance companies.