Pros & Cons
Pros
- +No monthly fee
- +Competitive interest rate (3.65%)
Cons
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Current Promotion
Tangerine offers fixed-rate Guaranteed Investment Certificates (GICs), 100% guaranteed, a great way to grow your savings risk-free.
Highlights of the Tangerine GIC:
- Rates up to 3.65% on TFSA, RSP, RIF and non-registered GICs
- No fees or service charges
- Choice of terms, from 30 days to multiple years
- USD GIC option, rates up to 4.40%
Quick online opening, no branch visit required.
Account Features
- E-StatementNot included
Special Offer
Terms and conditions
Tangerine Guaranteed Investment Certificate (GIC)
A GIC is a low-risk, secure investment where 100% of your funds are guaranteed, and your interest rate is also guaranteed for the term you choose. At maturity, you’re guaranteed to get your principal sum plus the interest earned.
- Rates up to 3.65% on registered (TFSA, RSP, RIF) and non-registered GICs
- No fees or service charges on registered accounts
- Terms ranging from short (30, 60, 90 days) to multiple years
- USD GICs also available, rates up to 4.40%
Related Accounts
† 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. GIC terms of one year or longer have interest calculated on the basis of 365/366 days and compounded and/or paid annually; terms of less than one year are paid at maturity. ‡ Registered Accounts have no fees while your funds are with Tangerine; a fee applies if you transfer funds to another financial institution.
Conditions apply. All information is believed accurate but not guaranteed. Account details, rates, and offers are subject to change at any time. Always verify the latest terms on the institution's website. Ratesopedia may receive compensation through affiliate links. This does not affect our editorial choices or rankings. © 2026 Tangerine. All trademarks are property of their respective owners.