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Tangerine GIC rates
Deposits issued by Tangerine BankOnline / Direct Bank
Scotiabank's direct bank, offering the same guaranteed-investment rates across every registered and non-registered plan.
Rates verified nightly
· re-checked against Tangerine's own site
· last check Aug 25, 2026
Best rate
4.00%
todayRates published
36
across 1 productTerms
90 days – 5 years
Minimum deposit
None
At a glance
Deposit protection
$100,000
CDIC (federal) · insured under Tangerine BankHow to buy
Online, Mobile App, Phone
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 Tangerine
Every GIC Tangerine currently offers, with the rate range each one pays.
Tangerine Guaranteed Investment
2.50% – 4.00%
Terms 90 days – 5 years · no minimumTerms from 90 days to 5 years at 4.00%, identical in non-registered, RSP, TFSA and RIF plans.
Tangerine rate table
Filter by account type, term and deposit — every number below is from the published rate table.
Filter 36 offers
All account types
Any term
All GIC types
$
Canadian dollars
Best rate in this view
4.00%
Tangerine Guaranteed Investment · 5 years
Rates published
36
Interest on $10,000
$2,000
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 0.70 points more than 1 year.
Tangerine
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 | |
|---|---|---|---|---|
Tangerine Guaranteed Investment Non-redeemable · At maturity | 5 years | 4.00% | $12,167 +$2,167 | |
Tangerine Guaranteed Investment Non-redeemable · RRSP · At maturity | 5 years | 4.00% | $12,167 +$2,167 | |
Tangerine Guaranteed Investment Non-redeemable · TFSA · At maturity | 5 years | 4.00% | $12,167 +$2,167 | |
Tangerine Guaranteed Investment Non-redeemable · RRIF · At maturity | 5 years | 4.00% | $12,167 +$2,167 | |
Tangerine Guaranteed Investment Non-redeemable · At maturity | 4 years | 3.85% | $11,631 +$1,631 | |
Tangerine Guaranteed Investment Non-redeemable · RRSP · At maturity | 4 years | 3.85% | $11,631 +$1,631 | |
Tangerine Guaranteed Investment Non-redeemable · TFSA · At maturity | 4 years | 3.85% | $11,631 +$1,631 | |
Tangerine Guaranteed Investment Non-redeemable · RRIF · At maturity | 4 years | 3.85% | $11,631 +$1,631 | |
Tangerine Guaranteed Investment Non-redeemable · At maturity | 3 years | 3.75% | $11,168 +$1,168 | |
Tangerine Guaranteed Investment Non-redeemable · RRSP · At maturity | 3 years | 3.75% | $11,168 +$1,168 | |
Tangerine Guaranteed Investment Non-redeemable · TFSA · At maturity | 3 years | 3.75% | $11,168 +$1,168 | |
Tangerine Guaranteed Investment Non-redeemable · RRIF · At maturity | 3 years | 3.75% | $11,168 +$1,168 | |
Tangerine Guaranteed Investment Non-redeemable · At maturity | 2 years | 3.65% | $10,743 +$743 | |
Tangerine Guaranteed Investment Non-redeemable · RRSP · At maturity | 2 years | 3.65% | $10,743 +$743 | |
Tangerine Guaranteed Investment Non-redeemable · TFSA · At maturity | 2 years | 3.65% | $10,743 +$743 | |
Tangerine Guaranteed Investment Non-redeemable · RRIF · At maturity | 2 years | 3.65% | $10,743 +$743 | |
Tangerine Guaranteed Investment Non-redeemable · At maturity | 18 months | 3.50% | $10,530 +$530 | |
Tangerine Guaranteed Investment Non-redeemable · RRSP · At maturity | 18 months | 3.50% | $10,530 +$530 | |
Tangerine Guaranteed Investment Non-redeemable · TFSA · At maturity | 18 months | 3.50% | $10,530 +$530 | |
Tangerine Guaranteed Investment Non-redeemable · RRIF · At maturity | 18 months | 3.50% | $10,530 +$530 | |
Tangerine Guaranteed Investment Non-redeemable · At maturity | 1 year | 3.30% | $10,330 +$330 | |
Tangerine Guaranteed Investment Non-redeemable · RRSP · At maturity | 1 year | 3.30% | $10,330 +$330 | |
Tangerine Guaranteed Investment Non-redeemable · TFSA · At maturity | 1 year | 3.30% | $10,330 +$330 | |
Tangerine Guaranteed Investment Non-redeemable · RRIF · At maturity | 1 year | 3.30% | $10,330 +$330 | |
Tangerine Guaranteed Investment Non-redeemable · At maturity | 270 days | 3.10% | $10,232 +$232 |