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RBC Royal Bank GIC rates
Deposits issued by Royal Bank of CanadaBig Six Bank
Canada's largest bank, with the widest GIC lineup — from 30-day terms to 10-year guaranteed-return certificates.
Rates verified nightly
· re-checked against RBC Royal Bank's own site
· last check Aug 25, 2026
Best rate
3.10%
todayRates published
48
across 3 productsTerms
30 days – 10 years
Minimum deposit
$500
At a glance
Deposit protection
$100,000
CDIC (federal) · insured under Royal Bank of CanadaHow 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 RBC Royal Bank
Every GIC RBC Royal Bank currently offers, with the rate range each one pays.
RBC Non-Redeemable GIC
2.15% – 3.10%
Terms 30 days – 10 years · min $500RBC's standard guaranteed-return GIC. Locked until maturity, with terms from 30 days to 10 years.
RBC One-Year Cashable GIC
Cashable
1.825% – 2.15%
Terms 1 year · min $1,000Cashable in full after 30 days with no penalty, for savers who want the option to change their mind.
RBC Redeemable GIC
Cashable
1.90% – 2.90%
Terms 30 days – 10 years · min $500Access your money before maturity at a reduced redemption rate, in exchange for a lower posted rate.
RBC Royal Bank rate table
Filter by account type, term and deposit — every number below is from the published rate table.
Filter 48 offers
All account types
Any term
All GIC types
$
Canadian dollars
Best rate in this view
3.10%
RBC Non-Redeemable GIC · 5 years
Rates published
48
Interest on $10,000
$1,550
over the 5 years term
Top rate is a limited-time promo
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.
RBC Royal 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 | |
|---|---|---|---|---|
RBC Non-Redeemable GIC Promo Non-redeemable · At maturity · min $500 | 5 years | 3.10% | $11,649 +$1,649 | |
RBC Non-Redeemable GIC Non-redeemable · At maturity · min $500 | 7 years | 3.00% | $12,299 +$2,299 | |
RBC Non-Redeemable GIC Non-redeemable · At maturity · min $500 | 10 years | 3.00% | $13,439 +$3,439 | |
RBC Redeemable GIC Redeemable · At maturity · min $500 | 7 years | 2.90% | $12,215 +$2,215 | |
RBC Redeemable GIC Redeemable · At maturity · min $500 | 10 years | 2.90% | $13,309 +$3,309 | |
RBC Non-Redeemable GIC Non-redeemable · Monthly · min $500 | 7 years | 2.875% | $12,013 +$2,013 | |
RBC Non-Redeemable GIC Non-redeemable · Monthly · min $500 | 10 years | 2.875% | $12,875 +$2,875 | |
RBC Non-Redeemable GIC Promo Non-redeemable · At maturity · min $500 | 2 years | 2.80% | $10,568 +$568 | |
RBC Redeemable GIC Redeemable · Monthly · min $500 | 7 years | 2.775% | $11,943 +$1,943 | |
RBC Redeemable GIC Redeemable · Monthly · min $500 | 10 years | 2.775% | $12,775 +$2,775 | |
RBC Non-Redeemable GIC Non-redeemable · At maturity · min $500 | 5 years | 2.75% | $11,453 +$1,453 | |
RBC Non-Redeemable GIC Non-redeemable · At maturity · min $500 | 4 years | 2.70% | $11,125 +$1,125 | |
RBC Non-Redeemable GIC Promo Non-redeemable · At maturity · min $500 | 1 year | 2.70% | $10,270 +$270 | |
RBC Redeemable GIC Redeemable · At maturity · min $500 | 5 years | 2.65% | $11,397 +$1,397 | |
RBC Non-Redeemable GIC Non-redeemable · Monthly · min $500 | 5 years | 2.625% | $11,313 +$1,313 | |
RBC Redeemable GIC Redeemable · At maturity · min $500 | 4 years | 2.60% | $11,081 +$1,081 | |
RBC Non-Redeemable GIC Non-redeemable · Monthly · min $500 | 4 years | 2.575% | $11,030 +$1,030 | |
RBC Non-Redeemable GIC Non-redeemable · At maturity · min $500 | 2 years | 2.550% | $10,517 +$517 | |
RBC Non-Redeemable GIC Non-redeemable · At maturity · min $500 | 3 years | 2.550% | $10,785 +$785 | |
RBC Redeemable GIC Redeemable · Monthly · min $500 | 5 years | 2.525% | $11,263 +$1,263 | |
RBC Non-Redeemable GIC Non-redeemable · At maturity · min $500 | 18 months | 2.50% | $10,377 +$377 | |
RBC Redeemable GIC Redeemable · Monthly · min $500 | 4 years | 2.475% | $10,990 +$990 | |
RBC Non-Redeemable GIC Non-redeemable · At maturity · min $500 | 1 year | 2.450% | $10,245 +$245 | |
RBC Redeemable GIC Redeemable · At maturity · min $500 | 2 years | 2.450% | $10,496 +$496 | |
RBC Redeemable GIC Redeemable · At maturity · min $500 | 3 years | 2.450% | $10,753 +$753 |