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Equitable Bank GIC rates
Schedule I Bank
The broker-channel arm of the same bank behind EQ Bank, with terms out to 10 years and a full US-dollar rate card.
Rates verified nightly
· re-checked against Equitable Bank's own site
· last check Aug 25, 2026
Best rate
4.16%
todayRates published
48
across 3 productsTerms
30 days – 10 years
Minimum deposit
$1,000
At a glance
Deposit protection
$100,000
CDIC (federal) · insured under Equitable BankHow to buy
Deposit Broker, Financial Advisor, Phone
Where it's available
Across Canada
Good to know
Equitable Bank and EQ Bank are one CDIC member. Deposits across both share a single $100,000 limit per insured category.
GIC products from Equitable Bank
Every GIC Equitable Bank currently offers, with the rate range each one pays.
Equitable Bank GIC
0.20% – 4.16%
Terms 30 days – 10 years · min $1,0001-to-10 year terms with four payout frequencies, peaking at 4.16% on the 5-year.
Equitable Bank 30-Day Cashable GIC
Cashable
1.50%
Terms 1 year · min $1,000A one-year term cashable after 30 days.
Equitable Bank US Dollar GIC
0.05% – 4.100%
Terms 30 days – 5 years · min $1,000US-dollar GICs paying up to 4.40% — higher than the bank's Canadian-dollar card at most terms.
Equitable Bank rate table
Filter by account type, term and deposit — every number below is from the published rate table.
Filter 32 offers
All account types
Any term
All GIC types
$
Canadian dollars
Best rate in this view
4.16%
Equitable Bank GIC · 5 years
Rates published
32
Interest on $10,000
$2,080
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 1.15 points more than 1 year.
Equitable Bank
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 | |
|---|---|---|---|---|
Equitable Bank GIC Non-redeemable · Annual · min $1,000 | 5 years | 4.16% | $12,080 +$2,080 | |
Equitable Bank GIC Non-redeemable · Semi-annual · min $1,000 | 5 years | 4.12% | $12,060 +$2,060 | |
Equitable Bank GIC Non-redeemable · Quarterly · min $1,000 | 5 years | 4.09% | $12,045 +$2,045 | |
Equitable Bank GIC Non-redeemable · Monthly · min $1,000 | 5 years | 4.07% | $12,035 +$2,035 | |
Equitable Bank GIC Non-redeemable · Annual · min $1,000 | 4 years | 4.04% | $11,616 +$1,616 | |
Equitable Bank GIC Non-redeemable · Semi-annual · min $1,000 | 4 years | 4.00% | $11,600 +$1,600 | |
Equitable Bank GIC Non-redeemable · Quarterly · min $1,000 | 4 years | 3.97% | $11,588 +$1,588 | |
Equitable Bank GIC Non-redeemable · Annual · min $1,000 | 3 years | 3.96% | $11,188 +$1,188 | |
Equitable Bank GIC Non-redeemable · Monthly · min $1,000 | 4 years | 3.95% | $11,580 +$1,580 | |
Equitable Bank GIC Non-redeemable · Semi-annual · min $1,000 | 3 years | 3.92% | $11,176 +$1,176 | |
Equitable Bank GIC Non-redeemable · Quarterly · min $1,000 | 3 years | 3.89% | $11,167 +$1,167 | |
Equitable Bank GIC Non-redeemable · Monthly · min $1,000 | 3 years | 3.87% | $11,161 +$1,161 | |
Equitable Bank GIC Non-redeemable · Annual · min $1,000 | 2 years | 3.69% | $10,738 +$738 | |
Equitable Bank GIC Non-redeemable · Semi-annual · min $1,000 | 2 years | 3.65% | $10,730 +$730 | |
Equitable Bank GIC Non-redeemable · Quarterly · min $1,000 | 2 years | 3.62% | $10,724 +$724 | |
Equitable Bank GIC Non-redeemable · Monthly · min $1,000 | 2 years | 3.60% | $10,720 +$720 | |
Equitable Bank GIC Non-redeemable · Annual · min $1,000 | 1 year | 3.01% | $10,301 +$301 | |
Equitable Bank GIC Non-redeemable · Semi-annual · min $1,000 | 1 year | 2.97% | $10,297 +$297 | |
Equitable Bank GIC Non-redeemable · Quarterly · min $1,000 | 1 year | 2.94% | $10,294 +$294 | |
Equitable Bank GIC Non-redeemable · Monthly · min $1,000 | 1 year | 2.92% | $10,292 +$292 | |
Equitable Bank GIC Non-redeemable · At maturity · min $1,000 | 270 days | 2.80% | $10,209 +$209 | |
Equitable Bank GIC Non-redeemable · At maturity · min $1,000 | 180 days | 2.70% | $10,134 +$134 | |
Equitable Bank GIC Non-redeemable · Annual · min $1,000 | 6 years | 2.25% | $11,350 +$1,350 | |
Equitable Bank GIC Non-redeemable · Annual · min $1,000 | 7 years | 2.25% | $11,575 +$1,575 | |
Equitable Bank GIC Non-redeemable · Annual · min $1,000 | 8 years | 2.25% | $11,800 +$1,800 |