ATB Financial GIC rates

Deposits issued by Alberta Treasury Branches

Schedule I Bank

Alberta's provincial financial institution. Deposits carry an unlimited Government of Alberta guarantee rather than CDIC coverage.

Rates verified nightly

· re-checked against ATB Financial's own site

· last check Oct 10, 2026

Best rate

3.70%

today

Rates published

across 3 products

Terms

30 days – 5 years

Minimum deposit

$1,000

At a glance

Deposit protection

Unlimited

Not insured · insured under Government of Alberta

How to buy

Online, Branch, Phone, Financial Advisor

Where it's available

Alberta

Good to know

ATB is not a CDIC member. Deposits are guaranteed in full, without limit, by the Government of Alberta under the Alberta Treasury Branches Act — a broader guarantee than CDIC's $100,000 cap.

GIC products from ATB Financial

Every GIC ATB Financial currently offers, with the rate range each one pays.

ATB Grow Alberta GIC

Non-redeemable

3.70%

Terms 18 months · min $1,000

A limited-time 18-month term at 3.70% — well above ATB's posted rates.

ATB Non-Redeemable GIC

Non-redeemable

2.00% – 3.35%

Terms 30 days – 5 years · min $1,000

ATB's locked-in GIC, with rates rising by payout frequency rather than falling.

ATB Redeemable GIC (Term Deposit)

Cashable

Redeemable

0.50% – 2.00%

Terms 30 days – 5 years · min $1,000

Redeemable term deposits at a flat 2.00% across all terms.

ATB Financial rate table

Filter by account type, term and deposit — every number below is from the published rate table.

Filter 39 offers

Your situation

Deposit amount

$5k

$10k

$25k

$50k

$100k

Account type

Term

Any term

Under 1 year

1 year

18 months

2 years

3 years

4 years

5 years

Over 5 years

Product

GIC type

Currency

Options

Unlimited coverage

Cashable early

Promos only

Any term

Under 1 year

1 year

18 months

2 years

3 years

4 years

5 years

Over 5 years

Account type

Deposit

Best rate in this view

3.70%

ATB Grow Alberta GIC · 18 months

Rates published

Interest on $10,000

$555

over the 18 months term

Top rate is a limited-time promo

How rates change with term length

Each line is one institution's best posted rate at that term — the 1 most competitive in this view.

Locking in for 5 years currently pays up to 0.35 points more than 1 year.

ATB Financial

Every published rate

Projected value assumes a $10,000 deposit held to maturity. GICs that pay interest out monthly or annually are shown with simple interest; only compounding terms accrue on themselves.

Product	Term	Rate	Value on $10,000
ATB Grow Alberta GIC Promo Non-redeemable · At maturity · min $1,000	18 months	3.70%	$10,560 +$560
ATB Grow Alberta GIC Promo Non-redeemable · RRSP · At maturity · min $1,000	18 months	3.70%	$10,560 +$560
ATB Non-Redeemable GIC Non-redeemable · Annual · min $1,000	5 years	3.35%	$11,675 +$1,675
ATB Non-Redeemable GIC Non-redeemable · Semi-annual · min $1,000	5 years	3.225%	$11,612 +$1,612
ATB Non-Redeemable GIC Non-redeemable · Monthly · min $1,000	5 years	3.10%	$11,550 +$1,550
ATB Non-Redeemable GIC Non-redeemable · Quarterly · min $1,000	5 years	3.10%	$11,550 +$1,550
ATB Non-Redeemable GIC Non-redeemable · Annual · min $1,000	1 year	3.00%	$10,300 +$300
ATB Non-Redeemable GIC Non-redeemable · Annual · min $1,000	2 years	3.00%	$10,600 +$600
ATB Non-Redeemable GIC Non-redeemable · Annual · min $1,000	3 years	3.00%	$10,900 +$900
ATB Non-Redeemable GIC Non-redeemable · Annual · min $1,000	4 years	3.00%	$11,200 +$1,200
ATB Non-Redeemable GIC Non-redeemable · Semi-annual · min $1,000	1 year	2.875%	$10,288 +$288
ATB Non-Redeemable GIC Non-redeemable · Semi-annual · min $1,000	2 years	2.875%	$10,575 +$575
ATB Non-Redeemable GIC Non-redeemable · Semi-annual · min $1,000	3 years	2.875%	$10,863 +$863
ATB Non-Redeemable GIC Non-redeemable · Semi-annual · min $1,000	4 years	2.875%	$11,150 +$1,150
ATB Non-Redeemable GIC Non-redeemable · Monthly · min $1,000	1 year	2.75%	$10,275 +$275
ATB Non-Redeemable GIC Non-redeemable · Quarterly · min $1,000	1 year	2.75%	$10,275 +$275
ATB Non-Redeemable GIC Non-redeemable · Monthly · min $1,000	2 years	2.75%	$10,550 +$550
ATB Non-Redeemable GIC Non-redeemable · Quarterly · min $1,000	2 years	2.75%	$10,550 +$550
ATB Non-Redeemable GIC Non-redeemable · Monthly · min $1,000	3 years	2.75%	$10,825 +$825
ATB Non-Redeemable GIC Non-redeemable · Quarterly · min $1,000	3 years	2.75%	$10,825 +$825
ATB Non-Redeemable GIC Non-redeemable · Monthly · min $1,000	4 years	2.75%	$11,100 +$1,100
ATB Non-Redeemable GIC Non-redeemable · Quarterly · min $1,000	4 years	2.75%	$11,100 +$1,100
ATB Non-Redeemable GIC Non-redeemable · At maturity · min $1,000	180 days	2.50%	$10,124 +$124
ATB Non-Redeemable GIC Non-redeemable · At maturity · min $1,000	270 days	2.50%	$10,187 +$187
ATB Non-Redeemable GIC Non-redeemable · At maturity · min $1,000	90 days	2.25%	$10,056 +$56

Read our full ATB Financial review

Accounts, service, fees and how it compares beyond GICs.