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About Us
Welcome to Canada Rate Market, your trusted online rate comparison service.
We connect you with selected third parties by forwarding the details you provide through our online forms. These trusted partners will reach out to present investment opportunities tailored to your preferences. Please note that we do not provide financial advice and are not responsible for any guidance offered by third parties.
Why Choose Canada Rate Market?
At Canada Rate Market, we specialize in sourcing, comparing, and highlighting the best fixed-income investment rates across the country. Our exclusive access to premier rates is made possible through strong partnerships with leading Canadian institutions.
Our team of experienced professionals works tirelessly to gather, monitor, and update data from various trusted sources. This ensures you have access to the most accurate and up-to-date information at all times.
For Canadian investors seeking secure and profitable fixed-income opportunities, Canada Rate Market is your go-to platform for finding the highest returns without compromising safety.
Top Fixed Income Rates Today
Secure Up to 5.25% With a CDIC-Insured GIC in Canada
Compare Canada’s top fixed income savings options — GICs and HISAs. No fees, fully protected, and rates up to 5.25%.
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Instantly Compare Canada’s Best Investments
Secure Investments
Top-Tier Rates
Our dedicated team of experts continuously sources, compares, and updates fixed income rates to ensure you have access to the highest returns available, all in one place.
We provide you with comprehensive, objective data on a variety of fixed income options, enabling you to make informed investment decisions tailored to your financial goals.
Our platform is designed for Canadians seeking stable, secure returns without compromising on quality or safety.
Unbiased & Transparent
Why Choose Canada Rate Market?
Compare Smarter. Invest Better. Grow Faster.
Guaranteed Investment Certificates (GICs)
Safe. Predictable. Guaranteed.
Guaranteed Investment Certificates (GICs) are one of the most secure investment options available in Canada. When you invest in a GIC, you lock in a fixed interest rate for a set period — meaning you know exactly what you’ll earn and when.
GICs are ideal for investors who:
•Want zero exposure to market volatility
•Prefer capital protection and guaranteed returns
•Are looking for short- or long-term savings strategies
All GICs listed on our platform are offered through CDIC-member institutions and may be eligible for deposit insurance up to $100,000 per account type.
High-Interest Savings Accounts (HISAs)
Flexible Access. Consistent Growth.
High-Interest Savings Accounts (HISAs) are the perfect solution for those who want to earn meaningful interest while keeping their money accessible. With no lock-in period and competitive rates, HISAs let you grow your funds while maintaining full liquidity.
HISAs are ideal for investors who:
•Prefer daily access to their money
•Are saving for short-term goals
•Want to earn more than traditional bank savings accounts offer
Funds in HISA accounts are also eligible for CDIC protection when held with insured institutions.
Explore Our CDIC Protected Investment Products
What is a GIC? A Guaranteed Investment Certificate (GIC) is a low-risk, interest-bearing investment that allows you to lend money to a financial institution for a fixed period in exchange for guaranteed interest. At maturity, you receive your full principal plus the interest earned. GICs are ideal for those seeking security, stability, and predictable returns.
Types of GICs
Non-Redeemable GICs: Locked in until maturity. Typically offer the highest fixed rates.
Cashable/Redeemable GICs: Allow early withdrawal (often after a 30–90 day lock-in). Lower rates but more flexibility.
Market-Linked GICs: Returns are tied to market performance. Principal guaranteed, but interest is variable.
- Registered GICs: Held within TFSA, RRSP, or RESP accounts to gain tax advantages.
How Does a GIC Work? You deposit a lump sum with a financial institution for a fixed term (e.g., 1 year). In return, you earn a predetermined interest rate. At maturity, the full principal plus interest is returned to you. Early withdrawal may not be allowed unless it’s a cashable or redeemable GIC.
Downsides of a GIC
Locked-in money unless it’s a cashable type
Lower liquidity compared to HISAs
Early withdrawals may carry penalties
Benefits of a GIC
100% capital guaranteed
Predictable fixed returns
Eligible for CDIC insurance up to $100,000
Suitable for short to long-term goals
Tax Implications
GICs: Interest is taxable annually unless held in a registered account (TFSA/RRSP/RESP)
HISAs: Interest is taxable annually unless held in a registered account
All GICs and HISAs listed are offered exclusively through CDIC-member, federally regulated Canadian financial institutions. Deposits are eligible for insurance coverage up to $100,000 per category through the Canada Deposit Insurance Corporation (CDIC).
Our partner institutions are fully compliant with oversight from organizations including the Canadian Investment Regulatory Organization (CIRO) and BBB-accredited with top-tier ratings.
What is a HISA? A High-Interest Savings Account (HISA) is a flexible deposit account that pays you a competitive rate of interest while giving you full access to your money at any time. HISAs are great for short-term savers or those who want daily liquidity with more interest than a traditional savings account.
Types of HISAs
Personal or Joint HISAs: Held in your name. Earn interest with no minimum term.
Corporate HISAs: Available for businesses and incorporated entities.
Registered HISAs: Can be held inside TFSA or RRSP for tax-free or tax-deferred growth.
How Does a HISA Work? You deposit funds into a high-yield savings account. Interest accrues daily and is usually paid monthly. You can withdraw or deposit funds at any time with no penalty.Benefits of a HISA
Instant access to funds
Competitive interest rates
No lock-in period
Also CDIC insured when held at a member institution
Downsides of a HISA
Lower returns than longer-term GICs
Rates can fluctuate over time
Interest is taxable in non-registered accounts
Frequently Asked Questions
Which Should You Choose?
Choose a GIC if you don’t need immediate access to the money and want higher guaranteed returns.
Choose a HISA if you need liquidity and still want to earn better-than-average interest without locking in your funds.
Final Word: GICs and HISAs serve different financial needs. A smart strategy may involve using both: a HISA for short-term savings and access, and GICs for mid-to-long term growth with principal protection.
Consult a licensed advisor to determine the right mix for your financial goals.
✔ Speak with Real Experts
Have questions? Our network of qualified investment professionals is ready to guide you. Get personalized support to help maximize your returns and stay ahead of market changes.
✔ Reliable. Transparent. Secure.
We only work with vetted institutions and regulated products. That means you get trusted opportunities, clear terms, and peace of mind every time you invest.
✔ Exclusive Access to Top-Yield Offers
We partner directly with trusted Canadian financial institutions to unlock exclusive rates not available to the public. Compare premium GICs, corporate and government bonds, and secure savings options — all in one place
✔ Fast, Tailored Recommendations
Our smart-matching platform connects you instantly to the highest-yielding products that align with your goals and risk tolerance. No guesswork, no time wasted.
At Canada Rate Market, we’re more than just a comparison site — we’re your gateway to the best fixed-rate investments in the country. Whether you’re seeking GICs, bonds, or high-interest savings options, we help you invest with clarity, speed, and confidence.
100% CDIC insured | $0 fees or penalties | Available to individuals, joint accounts, and corporations
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