RBC Royal Bank GIC rates

Deposits issued by Royal Bank of Canada

Big Six Bank

Visit RBC Royal 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 Oct 10, 2026

Best rate

3.00%

today

Rates published

across 3 products

Terms

30 days – 10 years

Minimum deposit

$500

At a glance

Deposit protection

$100,000

CDIC (federal) · insured under Royal Bank of Canada

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 RBC Royal Bank

Every GIC RBC Royal Bank currently offers, with the rate range each one pays.

RBC Non-Redeemable GIC

Non-redeemable

2.15% – 3.00%

Terms 30 days – 10 years · min $500

RBC'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 $1,000

Cashable in full after 30 days with no penalty, for savers who want the option to change their mind.

RBC Redeemable GIC

Cashable

Redeemable

1.90% – 2.90%

Terms 30 days – 10 years · min $500

Access 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.

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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

3.00%

RBC Non-Redeemable GIC · 7 years

Rates published

Interest on $10,000

$2,100

over the 7 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 0.30 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 Non-redeemable · At maturity · min $500	7 years	3.00%	$12,299 +$2,299
RBC Non-Redeemable GIC Non-redeemable · Semi-annual · min $500	7 years	3.00%	$12,100 +$2,100
RBC Non-Redeemable GIC Non-redeemable · Annual · min $500	7 years	3.00%	$12,100 +$2,100
RBC Non-Redeemable GIC Non-redeemable · Compound · 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 Non-Redeemable GIC Non-redeemable · Semi-annual · min $500	10 years	3.00%	$13,000 +$3,000
RBC Non-Redeemable GIC Non-redeemable · Annual · min $500	10 years	3.00%	$13,000 +$3,000
RBC Non-Redeemable GIC Non-redeemable · Compound · 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 · Semi-annual · min $500	7 years	2.90%	$12,030 +$2,030
RBC Redeemable GIC Redeemable · Annual · min $500	7 years	2.90%	$12,030 +$2,030
RBC Redeemable GIC Redeemable · Compound · 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 Redeemable GIC Redeemable · Semi-annual · min $500	10 years	2.90%	$12,900 +$2,900
RBC Redeemable GIC Redeemable · Annual · min $500	10 years	2.90%	$12,900 +$2,900
RBC Redeemable GIC Redeemable · Compound · 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 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 · Semi-annual · min $500	5 years	2.75%	$11,375 +$1,375
RBC Non-Redeemable GIC Non-redeemable · Annual · min $500	5 years	2.75%	$11,375 +$1,375
RBC Non-Redeemable GIC Non-redeemable · Compound · 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

Read our full Royal Bank of Canada (RBC) review

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