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BMO GIC rates
Deposits issued by Bank of MontrealBig Six Bank
BMO posts the strongest big-bank long-term rates, running out to a full 10-year term.
Rates verified nightly
· re-checked against BMO's own site
· last check Aug 25, 2026
Best rate
3.35%
todayRates published
29
across 2 productsTerms
30 days – 10 years
Minimum deposit
$1,000
At a glance
Deposit protection
$100,000
CDIC (federal) · insured under Bank of MontrealHow to buy
Online, Mobile App, Branch, Phone, Financial Advisor
Where it's available
Across Canada
Good to know
CDIC covers eligible deposits up to $100,000 per insured category, per member institution. Registered and non-registered deposits are separate categories. Terms longer than 5 years are not CDIC-insured.
GIC products from BMO
Every GIC BMO currently offers, with the rate range each one pays.
BMO Non-Cashable GIC
1.75% – 3.35%
Terms 30 days – 10 years · min $1,000BMO's core locked-in GIC, with terms from 1 to 10 years and a separate short-term table.
BMO Rate Riser GIC
2.90% – 3.15%
Terms 3 years – 5 years · min $1,000A step-up GIC whose rate climbs each year — 3.90% in year five on the 5-year term.
BMO rate table
Filter by account type, term and deposit — every number below is from the published rate table.
Filter 29 offers
All account types
Any term
All GIC types
$
Canadian dollars
Best rate in this view
3.35%
BMO Non-Cashable GIC · 10 years
Rates published
29
Interest on $10,000
$3,350
over the 10 years term
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 0.45 points more than 1 year.
BMO
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 | |
|---|---|---|---|---|
BMO Non-Cashable GIC Non-redeemable · Annual · min $1,000 | 10 years | 3.35% | $13,350 +$3,350 | |
BMO Non-Cashable GIC Non-redeemable · Annual · min $1,000 | 7 years | 3.30% | $12,310 +$2,310 | |
BMO Non-Cashable GIC Non-redeemable · Annual · min $1,000 | 6 years | 3.25% | $11,950 +$1,950 | |
BMO Non-Cashable GIC Non-redeemable · Monthly · min $1,000 | 10 years | 3.25% | $13,250 +$3,250 | |
BMO Non-Cashable GIC Non-redeemable · Monthly · min $1,000 | 7 years | 3.20% | $12,240 +$2,240 | |
BMO Non-Cashable GIC Non-redeemable · Monthly · min $1,000 | 6 years | 3.15% | $11,890 +$1,890 | |
BMO Rate Riser GIC Step-up · Annual · min $1,000 | 5 years | 3.15% | $11,575 +$1,575 | |
BMO Non-Cashable GIC Non-redeemable · Annual · min $1,000 | 5 years | 3.10% | $11,550 +$1,550 | |
BMO Non-Cashable GIC Non-redeemable · Annual · min $1,000 | 4 years | 3.00% | $11,200 +$1,200 | |
BMO Non-Cashable GIC Non-redeemable · Monthly · min $1,000 | 5 years | 3.00% | $11,500 +$1,500 | |
BMO Non-Cashable GIC Non-redeemable · Monthly · min $1,000 | 4 years | 2.90% | $11,160 +$1,160 | |
BMO Rate Riser GIC Step-up · Annual · min $1,000 | 3 years | 2.90% | $10,870 +$870 | |
BMO Non-Cashable GIC Non-redeemable · Annual · min $1,000 | 18 months | 2.85% | $10,428 +$428 | |
BMO Non-Cashable GIC Non-redeemable · Annual · min $1,000 | 19 months | 2.85% | $10,451 +$451 | |
BMO Non-Cashable GIC Non-redeemable · Annual · min $1,000 | 3 years | 2.85% | $10,855 +$855 | |
BMO Non-Cashable GIC Non-redeemable · Annual · min $1,000 | 2 years | 2.75% | $10,550 +$550 | |
BMO Non-Cashable GIC Non-redeemable · Monthly · min $1,000 | 18 months | 2.75% | $10,413 +$413 | |
BMO Non-Cashable GIC Non-redeemable · Monthly · min $1,000 | 19 months | 2.75% | $10,435 +$435 | |
BMO Non-Cashable GIC Non-redeemable · Monthly · min $1,000 | 3 years | 2.75% | $10,825 +$825 | |
BMO Non-Cashable GIC Non-redeemable · Annual · min $1,000 | 1 year | 2.70% | $10,270 +$270 | |
BMO Non-Cashable GIC Non-redeemable · Monthly · min $1,000 | 2 years | 2.65% | $10,530 +$530 | |
BMO Non-Cashable GIC Non-redeemable · Monthly · min $1,000 | 1 year | 2.60% | $10,260 +$260 | |
BMO Non-Cashable GIC Non-redeemable · At maturity · min $1,000 | 180 days | 2.050% | $10,102 +$102 | |
BMO Non-Cashable GIC Non-redeemable · At maturity · min $1,000 | 270 days | 2.050% | $10,153 +$153 | |
BMO Non-Cashable GIC Non-redeemable · At maturity · min $1,000 | 30 days | 1.75% | $10,014 +$14 |