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CIBC GIC rates
Deposits issued by Canadian Imperial Bank of CommerceBig Six Bank
CIBC splits its lineup between Bonus Rate GICs and the higher-paying EasyBuilder ladder.
Rates verified nightly
· re-checked against CIBC's own site
· last check Aug 25, 2026
Best rate
3.10%
todayRates published
37
across 4 productsTerms
30 days – 5 years
Minimum deposit
$500
At a glance
Deposit protection
$100,000
CDIC (federal) · insured under Canadian Imperial Bank of CommerceHow 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 CIBC
Every GIC CIBC currently offers, with the rate range each one pays.
CIBC Bonus Rate GIC
2.00% – 2.75%
Terms 30 days – 5 years · min $1,000CIBC's main non-redeemable GIC, with matching rates across non-registered, RRSP, TFSA, RRIF and LIF.
CIBC EasyBuilder GIC
2.70% – 3.10%
Terms 1 year – 5 years · min $500CIBC's best-paying posted GIC — 3.10% on a 5-year term, from a $500 minimum.
CIBC Flexible GIC
Cashable
2.00%
Terms 1 year · min $1,000A one-year cashable GIC available in registered plans too.
CIBC Variable Rate GIC
1.75%
Terms 1 year · min $1,000A one-year GIC whose rate tracks CIBC's prime rate.
CIBC rate table
Filter by account type, term and deposit — every number below is from the published rate table.
Filter 37 offers
All account types
Any term
All GIC types
$
Canadian dollars
Best rate in this view
3.10%
CIBC EasyBuilder GIC · 5 years
Rates published
37
Interest on $10,000
$1,550
over the 5 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 0.40 points more than 1 year.
CIBC
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 | |
|---|---|---|---|---|
CIBC EasyBuilder GIC Non-redeemable · At maturity · min $500 | 5 years | 3.10% | $11,649 +$1,649 | |
CIBC EasyBuilder GIC Non-redeemable · At maturity · min $500 | 4 years | 3.00% | $11,255 +$1,255 | |
CIBC EasyBuilder GIC Non-redeemable · At maturity · min $500 | 3 years | 2.85% | $10,880 +$880 | |
CIBC Bonus Rate GIC Non-redeemable · At maturity · min $1,000 | 5 years | 2.75% | $11,453 +$1,453 | |
CIBC Bonus Rate GIC Non-redeemable · RRSP · At maturity · min $1,000 | 5 years | 2.75% | $11,453 +$1,453 | |
CIBC Bonus Rate GIC Non-redeemable · RRIF · At maturity · min $1,000 | 5 years | 2.75% | $11,453 +$1,453 | |
CIBC Bonus Rate GIC Non-redeemable · LIF · At maturity · min $1,000 | 5 years | 2.75% | $11,453 +$1,453 | |
CIBC Bonus Rate GIC Non-redeemable · TFSA · At maturity · min $1,000 | 5 years | 2.75% | $11,453 +$1,453 | |
CIBC EasyBuilder GIC Non-redeemable · At maturity · min $500 | 2 years | 2.75% | $10,558 +$558 | |
CIBC Bonus Rate GIC Non-redeemable · At maturity · min $1,000 | 4 years | 2.70% | $11,125 +$1,125 | |
CIBC Bonus Rate GIC Non-redeemable · TFSA · At maturity · min $1,000 | 4 years | 2.70% | $11,125 +$1,125 | |
CIBC EasyBuilder GIC Non-redeemable · At maturity · min $500 | 1 year | 2.70% | $10,270 +$270 | |
CIBC Bonus Rate GIC Non-redeemable · At maturity · min $1,000 | 270 days | 2.60% | $10,194 +$194 | |
CIBC Bonus Rate GIC Non-redeemable · At maturity · min $1,000 | 3 years | 2.60% | $10,800 +$800 | |
CIBC Bonus Rate GIC Non-redeemable · TFSA · At maturity · min $1,000 | 3 years | 2.60% | $10,800 +$800 | |
CIBC Bonus Rate GIC Non-redeemable · At maturity · min $1,000 | 2 years | 2.550% | $10,517 +$517 | |
CIBC Bonus Rate GIC Non-redeemable · At maturity · min $1,000 | 25 months | 2.550% | $10,539 +$539 | |
CIBC Bonus Rate GIC Non-redeemable · At maturity · min $1,000 | 30 months | 2.550% | $10,650 +$650 | |
CIBC Bonus Rate GIC Non-redeemable · RRSP · At maturity · min $1,000 | 2 years | 2.550% | $10,517 +$517 | |
CIBC Bonus Rate GIC Non-redeemable · RRIF · At maturity · min $1,000 | 2 years | 2.550% | $10,517 +$517 | |
CIBC Bonus Rate GIC Non-redeemable · LIF · At maturity · min $1,000 | 2 years | 2.550% | $10,517 +$517 | |
CIBC Bonus Rate GIC Non-redeemable · TFSA · At maturity · min $1,000 | 2 years | 2.550% | $10,517 +$517 | |
CIBC Bonus Rate GIC Non-redeemable · At maturity · min $1,000 | 180 days | 2.50% | $10,124 +$124 | |
CIBC Bonus Rate GIC Non-redeemable · At maturity · min $1,000 | 18 months | 2.50% | $10,377 +$377 | |
CIBC Bonus Rate GIC Non-redeemable · At maturity · min $1,000 | 1 year | 2.450% | $10,245 +$245 |