Equitable Bank GIC rates
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 Oct 9, 2026
4.32%
today88
across 3 products30 days – 10 years
$1,000
At a glance
$100,000
CDIC (federal) · insured under Equitable BankDeposit Broker, Financial Advisor, Phone
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
2.16% – 4.32%
Terms 1 year – 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
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 – 10 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 41 offers
$
$
4.32%
Equitable Bank GIC · 5 years
41
$2,160
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 0.81 points more than 1 year.
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 | 4.32% | $12,160 +$2,160 | |
Equitable Bank GIC Non-redeemable · Semi-annual · min $1,000 | 5 years | 4.28% | $12,140 +$2,140 | |
Equitable Bank GIC Non-redeemable · Annual · min $1,000 | 3 years | 4.26% | $11,278 +$1,278 | |
Equitable Bank GIC Non-redeemable · Quarterly · min $1,000 | 5 years | 4.25% | $12,125 +$2,125 | |
Equitable Bank GIC Non-redeemable · Monthly · min $1,000 | 5 years | 4.230% | $12,115 +$2,115 | |
Equitable Bank GIC Non-redeemable · Annual · min $1,000 | 4 years | 4.22% | $11,688 +$1,688 | |
Equitable Bank GIC Non-redeemable · Semi-annual · min $1,000 | 3 years | 4.22% | $11,266 +$1,266 | |
Equitable Bank GIC Non-redeemable · Quarterly · min $1,000 | 3 years | 4.190% | $11,257 +$1,257 | |
Equitable Bank GIC Non-redeemable · Semi-annual · min $1,000 | 4 years | 4.18% | $11,672 +$1,672 | |
Equitable Bank GIC Non-redeemable · Monthly · min $1,000 | 3 years | 4.17% | $11,251 +$1,251 | |
Equitable Bank GIC Non-redeemable · Quarterly · min $1,000 | 4 years | 4.150% | $11,660 +$1,660 | |
Equitable Bank GIC Non-redeemable · Monthly · min $1,000 | 4 years | 4.13% | $11,652 +$1,652 | |
Equitable Bank GIC Non-redeemable · Annual · min $1,000 | 2 years | 4.060% | $10,812 +$812 | |
Equitable Bank GIC Non-redeemable · Semi-annual · min $1,000 | 2 years | 4.020% | $10,804 +$804 | |
Equitable Bank GIC Non-redeemable · Quarterly · min $1,000 | 2 years | 3.99% | $10,798 +$798 | |
Equitable Bank GIC Non-redeemable · Monthly · min $1,000 | 2 years | 3.97% | $10,794 +$794 | |
Equitable Bank GIC Non-redeemable · Annual · min $1,000 | 1 year | 3.51% | $10,351 +$351 | |
Equitable Bank GIC Non-redeemable · Semi-annual · min $1,000 | 1 year | 3.47% | $10,347 +$347 | |
Equitable Bank GIC Non-redeemable · Quarterly · min $1,000 | 1 year | 3.44% | $10,344 +$344 | |
Equitable Bank GIC Non-redeemable · Monthly · min $1,000 | 1 year | 3.42% | $10,342 +$342 | |
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 | |
Equitable Bank GIC Non-redeemable · Annual · min $1,000 | 9 years | 2.25% | $12,025 +$2,025 | |
Equitable Bank GIC Non-redeemable · Annual · min $1,000 | 10 years | 2.25% | $12,250 +$2,250 |