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Protect your retirement savings with the guaranteed growth of a GIC combined with the tax benefits of an RSP.
Up to [[GIC_RSP.RATE.MAX]]
Interest rate
$0
Monthly fee
Lock in your savings for one of our set terms and start earning a great interest rate.
We simply don’t believe in unfair fees. So you won’t have to pay to save with us.
Once you’re a Tangerine Client, opening a GIC online takes just a few minutes.
Contributions to an RSP can be deducted from your taxable income, which is especially worthwhile if you use this tax saved to make a contribution for next year or to pay off debts.
The money you contribute, up to your contribution limit, and the earnings you make on your investments are only subject to tax when you withdraw from your RSP.
Spousal RSP contributions help ensure future retirement income is split evenly between you and your partner.
Current interest rates as of today's date.
Term | Rate |
90 Day | [[GIC_RSP.RATE.90_DAY]] |
180 Day | [[GIC_RSP.RATE.180_DAY]] |
270 Day | [[GIC_RSP.RATE.270_DAY]] |
1 Year | [[GIC_RSP.RATE.1_YEAR]] |
1.5 Year | [[GIC_RSP.RATE.1.5_YEAR]] |
2 Year | [[GIC_RSP.RATE.2_YEAR]] |
3 Year | [[GIC_RSP.RATE.3_YEAR]] |
4 Year | [[GIC_RSP.RATE.4_YEAR]] |
5 Year | [[GIC_RSP.RATE.5_YEAR]] |
Create a personalized savings goal and have money moved automatically to your Tangerine Account.
Become a Client completely digitally with our Mobile Banking appa. Sign up without leaving your home or having to call us—it’s a fast, convenient and secure mobile experience.
Don’t have our Mobile Banking appa yet? Download it today, so you can bank easily from anywhere.
Lock away some savings and earn guaranteed interest for the term you choose.
A safe, secure, tax-free way to earn great interest.
†Fair fees mean they are disclosed and agreed to in advance, and the amount makes sense relative to the benefit received. Registered Accounts have no unfair fees while your funds are with us. If at some point you decide to transfer your funds to another financial institution, a fee will apply. View the complete list of Account fees.
*Savings Account, Chequing Account, and GIC interest rates expressed on this website are annual interest rates and are current as of today's date. Interest rates are subject to change without notice. Interest is calculated daily and paid monthly on our Savings and Chequing Accounts. GIC terms of one year or longer have interest calculated on the basis of 365/366 days and compounded and/or paid annually. GIC terms of less than one year have interest calculated on the basis of 365/366 and paid at maturity.
a Some conditions may apply. Service is subject to availability and successful digital verification.
b As of August 2024 from the Google Play Store and App Store.
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™ Android is a trademark of Google Inc.