About Us
We make finding the best GIC rates in Canada as easy as 1, 2, 3
We believe financial products should be easy to understand and personalized to your needs
123GIC was created out of a need to provide transparency and competitive investment rates to Canadian investors. We compile data from over 70 banks, credit unions and trust companies to get you the best GIC rates in Canada.
GICs, or Guaranteed Investment Certificates, are secure deposit instruments issued by Canadian financial institutions. Our priority is to make sure individual investors and families have the same access and pricing available to institutional investors.
123GIC provides access to Canada's largest GIC deposit network. All you need to do is select how much you want to invest and then decide the length of time/term of the deposit. 123GIC automatically generates a list of the best rates out there, saving you the time and effort of shopping around individual financial institutions.
When you find a rate that's right for you, simply fill out the form and one of our investment advisors will get back to you within 24 hours. They will provide personalized financial advice and help you set up a single account that provides you with access to 70+ financial institutions.
How 123GIC Works
One Account, 70+ Institutions
Traditionally, if you were looking to invest in multiple GICs, you would need to set up an account every time you go to a new issuer. With 123GIC, one account gives you access to more than 70 institutions, meaning you can skip the hassle of going through the sign-up process again and again. Your GICs, all in one place.
Here for the individual investor
Why should individual and family investors not get the same rates available to large enterprises? Our website provides everyone with the same GIC network used by big companies every day.
Look for rates the easy way
Don't waste time endlessly scrolling through sites looking for better and better rates. Our platform enables you to compare deals from dozens of institutions so you know you are seeing the best options out there.
You choose what's best for you
Tell us how much you want to invest and the length of time, then our website will automatically provide you with a list of GIC rates to suit your goals. Speak to one of our investment advisors to lock in that rate and start growing your money.
Personalized service
Our investment advisors are on hand to guide you through the process and provide personalized financial advice.
Find rates from across Canada
We compile rates from our financial institution partners across the country. See what is available in other provinces and don't miss out on amazing rates.
How 123GIC Works
Getting started with 123GIC couldn't be easier. On the homepage, enter the amount you want to invest and select from the list of terms available. Under Type of Provider, you can choose whether you want to see rates from banks, credit unions, trust companies, or all three.
A list of GICs will automatically generate with the highest rates at the top. Compare the options and click "Show more rates" at the bottom to see even more of what's on offer.
When you see a rate you want, click on it for more information. On the next page, complete the request form and one of our advisors will contact you as soon as possible.