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The 2025 TFSA contribution limit is $7,000, same as 2024.
The 2024 RRSP contribution limit is 18% of previous year's earned income up to $32,490 (whichever is lower).

The annual contribution limit can change from year to year. You can make contributions anytime during the year, periodically or as a lump sum. Please always check your room to make sure you don't overcontribute.

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Guaranteed Investment Certificate (GIC) Rates

Rates effective 2024-11-21***


4.20%

1 year


4.10%

18 months


4.05%

2 years


4.05%

3 years


3.95%

4 years


4.05%

5 years

These rates apply to non-registered GICs and registered GICs held in TFSAs and RRSPs.

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Guaranteed Investment Certificates (GICs)

GICs are a secure and worry-free way to invest your money and guarantee 100% of your principal. Know exactly how much you’ll end up with as you earn interest at a fixed rate for the term you choose. Your interest rate is guaranteed, so you don’t need to worry about changes in markets or the economy. The guaranteed returns can also help offset your higher-risk investments.

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Savings Calculator

These calculators are made available to you as tools for independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy. All examples are hypothetical and are for illustrative purposes only.

* CDIC limits apply. Canada Deposit Insurance Corporation (CDIC) is a federal Crown corporation that protects your deposits for up to $100,000 per insured category at financial institutions that are CDIC members. Coverage is free and automatic – you don’t have to sign up.

**Fixed-term GICs are non-redeemable prior to the Maturity Date.

*** Rates are per annum and are subject to change without notice. For GICs with a term of more than one year, interest is compounded on each anniversary date of the GIC and then paid on the maturity date. For terms of one year or less, simple interest is calculated and paid at maturity. GIC confirmations are sent by email to clients. GICs renew automatically unless the customer provides instructions to the contrary, which requires the customer to call the Wealth One Call Centre at 1.866.392.1088. These instructions may be provided up to 10 days after the renewal date. The issue date of the GIC is the date on which funds are received by the Bank. See Account Terms and Conditions.

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