CIBC GIC rates

Deposits issued by Canadian Imperial Bank of Commerce

Big Six Bank

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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 Oct 10, 2026

Best rate

3.60%

today

Rates published

across 4 products

Terms

30 days – 5 years

Minimum deposit

$500

At a glance

Deposit protection

$100,000

CDIC (federal) · insured under Canadian Imperial Bank of Commerce

How 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

Non-redeemable

2.00% – 3.20%

Terms 30 days – 5 years · min $1,000

CIBC's main non-redeemable GIC, with matching rates across non-registered, RRSP, TFSA, RRIF and LIF.

CIBC EasyBuilder GIC

Non-redeemable

3.00% – 3.60%

Terms 1 year – 5 years · min $500

CIBC's best-paying posted GIC — 3.10% on a 5-year term, from a $500 minimum.

CIBC Flexible GIC

Cashable

2.00% – 2.15%

Terms 1 year · min $1,000

A one-year cashable GIC available in registered plans too.

CIBC Variable Rate GIC

Non-redeemable

1.75%

Terms 1 year · min $1,000

A 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.

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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

3.60%

CIBC EasyBuilder GIC · 5 years

Rates published

Interest on $10,000

$1,800

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 0.60 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 · Annual · min $500	5 years	3.60%	$11,800 +$1,800
CIBC EasyBuilder GIC Non-redeemable · Compound · min $500	5 years	3.60%	$11,934 +$1,934
CIBC EasyBuilder GIC Non-redeemable · Annual · min $500	4 years	3.40%	$11,360 +$1,360
CIBC EasyBuilder GIC Non-redeemable · Compound · min $500	4 years	3.40%	$11,431 +$1,431
CIBC EasyBuilder GIC Non-redeemable · Annual · min $500	3 years	3.30%	$10,990 +$990
CIBC EasyBuilder GIC Non-redeemable · Compound · min $500	3 years	3.30%	$11,023 +$1,023
CIBC Bonus Rate GIC Promo Non-redeemable · At maturity · min $1,000	2 years	3.20%	$10,650 +$650
CIBC Bonus Rate GIC Promo Non-redeemable · RRSP · At maturity · min $1,000	2 years	3.20%	$10,650 +$650
CIBC EasyBuilder GIC Non-redeemable · Annual · min $500	2 years	3.20%	$10,640 +$640
CIBC EasyBuilder GIC Non-redeemable · Compound · min $500	2 years	3.20%	$10,650 +$650
CIBC Bonus Rate GIC Promo Non-redeemable · At maturity · min $1,000	1 year	3.00%	$10,300 +$300
CIBC Bonus Rate GIC Promo Non-redeemable · TFSA · At maturity · min $1,000	1 year	3.00%	$10,300 +$300
CIBC EasyBuilder GIC Non-redeemable · Annual · min $500	1 year	3.00%	$10,300 +$300
CIBC EasyBuilder GIC Non-redeemable · Compound · min $500	1 year	3.00%	$10,300 +$300
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 · 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 · TFSA · 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 · At maturity · min $1,000	4 years	2.70%	$11,125 +$1,125
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 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	270 days	2.60%	$10,194 +$194

Read our full Canadian Imperial Bank of Commerce (CIBC) review

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