Posted rate (major chartered banks) — Guaranteed investment certificates: 1-year
2.45per cent, observed 2026-09-09.
Aggregate across the majors, NOT per institution. Posted rates are rarely paid — pair with A4_RATES_MORTGAGES for what borrowers are actually charged.
Posted rate (major chartered banks) — Guaranteed investment certificates: 1-year1980-11-19 – 2026-09-09
Table view — 220 observations
| Date | Posted rate (major chartered banks) — Guaranteed investment certificates: 1-year |
|---|---|
| 2026-09-09 | 2.45% |
| 2026-06-24 | 2.7% |
| 2026-04-08 | 2.7% |
| 2026-01-21 | 2.45% |
| 2025-11-05 | 2.45% |
| 2025-08-20 | 2.62% |
| 2025-06-11 | 2.62% |
| 2025-03-26 | 2.7% |
| 2025-01-08 | 3% |
| 2024-10-23 | 3.4% |
| 2024-08-07 | 4% |
| 2024-05-22 | 4% |
| 2024-03-06 | 4.6% |
| 2023-12-20 | 4.65% |
| 2023-10-04 | 4.92% |
| 2023-07-19 | 3.25% |
| 2023-05-03 | 3.03% |
| 2023-02-15 | 3% |
| 2022-12-07 | 3% |
| 2022-09-21 | 2% |
| 2022-07-06 | 2% |
| 2022-04-20 | 1.25% |
| 2022-02-02 | 0.4% |
| 2021-11-17 | 0.25% |
| 2021-09-01 | 0.25% |
| 2021-06-16 | 0.25% |
| 2021-03-31 | 0.25% |
| 2021-01-13 | 0.35% |
| 2020-10-28 | 0.35% |
| 2020-08-19 | 0.43% |
| 2020-06-03 | 0.75% |
| 2020-03-18 | 0.75% |
| 2020-01-01 | 1.35% |
| 2019-10-16 | 1.35% |
| 2019-07-31 | 1.35% |
| 2019-05-15 | 1.35% |
| 2019-02-27 | 1.3% |
| 2018-12-12 | 1.3% |
| 2018-09-26 | 1.08% |
| 2018-07-11 | 0.73% |
| 2018-04-25 | 0.73% |
| 2018-02-14 | 0.73% |
| 2017-11-29 | 0.73% |
| 2017-09-13 | 0.73% |
| 2017-06-28 | 0.73% |
| 2017-04-12 | 0.73% |
| 2017-01-25 | 0.73% |
| 2016-11-09 | 0.73% |
| 2016-08-24 | 0.85% |
| 2016-06-08 | 0.85% |
| 2016-03-23 | 0.85% |
| 2016-01-06 | 0.85% |
| 2015-10-28 | 0.73% |
| 2015-08-12 | 0.85% |
| 2015-05-27 | 0.88% |
| 2015-03-11 | 0.78% |
| 2014-12-24 | 1.3% |
| 2014-10-08 | 1.3% |
| 2014-07-23 | 0.78% |
| 2014-05-07 | 1.3% |
| 2014-02-19 | 0.78% |
| 2013-12-04 | 0.78% |
| 2013-09-18 | 0.78% |
| 2013-07-03 | 0.78% |
| 2013-04-24 | 0.78% |
| 2013-02-06 | 0.78% |
| 2012-11-21 | 0.78% |
| 2012-09-05 | 0.78% |
| 2012-06-20 | 1.3% |
| 2012-04-04 | 1.15% |
| 2012-01-18 | 1.15% |
| 2011-11-02 | 1% |
| 2011-08-17 | 0.63% |
| 2011-06-01 | 0.98% |
| 2011-03-16 | 1.15% |
| 2011-01-05 | 1.15% |
| 2010-10-20 | 0.63% |
| 2010-08-04 | 0.63% |
| 2010-05-19 | 0.63% |
| 2010-03-03 | 0.28% |
| 2009-12-16 | 0.28% |
| 2009-09-30 | 0.28% |
| 2009-07-15 | 0.28% |
| 2009-04-29 | 0.28% |
| 2009-02-11 | 0.88% |
| 2008-11-26 | 1.78% |
| 2008-09-10 | 2.13% |
| 2008-07-02 | 2.13% |
| 2008-04-16 | 1.93% |
| 2008-01-30 | 2.58% |
| 2007-11-14 | 3.13% |
| 2007-08-29 | 3.08% |
| 2007-06-13 | 3.13% |
| 2007-03-28 | 2.83% |
| 2007-01-10 | 2.68% |
| 2006-10-25 | 2.88% |
| 2006-08-09 | 3.08% |
| 2006-05-24 | 2.98% |
| 2006-03-15 | 2.63% |
| 2005-12-28 | 2.03% |
| 2005-10-12 | 1.58% |
| 2005-07-27 | 1.28% |
| 2005-05-11 | 1.48% |
| 2005-02-23 | 1.43% |
| 2004-12-08 | 1.38% |
| 2004-09-22 | 1.23% |
| 2004-07-07 | 1.28% |
| 2004-04-21 | 0.93% |
| 2004-02-04 | 1.18% |
| 2003-11-19 | 1.43% |
| 2003-09-10 | 1.63% |
| 2003-06-25 | 1.88% |
| 2003-04-09 | 1.88% |
| 2003-01-22 | 1.88% |
| 2002-11-06 | 1.88% |
| 2002-08-21 | 1.88% |
| 2002-06-05 | 1.48% |
| 2002-03-20 | 1.18% |
| 2002-01-02 | 1.23% |
| 2001-10-17 | 1.68% |
| 2001-08-01 | 2.93% |
| 2001-05-16 | 3.08% |
| 2001-03-07 | 3.73% |
| 2000-12-20 | 4.28% |
| 2000-10-04 | 4.73% |
| 2000-07-19 | 4.88% |
| 2000-05-03 | 4.58% |
| 2000-02-16 | 4.48% |
| 1999-12-01 | 4.23% |
| 1999-09-15 | 4.13% |
| 1999-06-30 | 3.83% |
| 1999-04-14 | 3.33% |
| 1999-01-27 | 3.53% |
| 1998-11-18 | 3.53% |
| 1998-09-02 | 4.63% |
| 1998-06-17 | 3.73% |
| 1998-04-01 | 3.58% |
| 1998-01-14 | 3.55% |
| 1997-10-29 | 2.88% |
| 1997-08-13 | 2.88% |
| 1997-05-28 | 2.75% |
| 1997-03-12 | 2.38% |
| 1996-12-25 | 2.38% |
| 1996-10-09 | 3.13% |
| 1996-07-24 | 3.88% |
| 1996-05-15 | 3.88% |
| 1996-02-28 | 3.88% |
| 1995-12-13 | 4.88% |
| 1995-09-27 | 5.88% |
| 1995-07-12 | 5.38% |
| 1995-04-26 | 6.75% |
| 1995-02-08 | 7.38% |
| 1994-11-23 | 5.88% |
| 1994-09-07 | 5.88% |
| 1994-06-22 | 6% |
| 1994-04-06 | 5.75% |
| 1994-01-26 | 3.25% |
| 1993-11-10 | 4.25% |
| 1993-08-25 | 4% |
| 1993-06-09 | 5% |
| 1993-03-24 | 5.25% |
| 1993-01-06 | 5.5% |
| 1992-10-21 | 6% |
| 1992-08-05 | 4.5% |
| 1992-05-20 | 6.5% |
| 1992-03-04 | 6.25% |
| 1991-12-18 | 6.5% |
| 1991-10-02 | 7.75% |
| 1991-07-24 | 8% |
| 1991-05-08 | 8% |
| 1991-02-20 | 9% |
| 1990-12-05 | 10.5% |
| 1990-09-19 | 11.25% |
| 1990-07-04 | 12.25% |
| 1990-04-18 | 11.25% |
| 1990-01-31 | 10.5% |
| 1989-11-15 | 10.75% |
| 1989-08-30 | 10.5% |
| 1989-06-14 | 10.75% |
| 1989-04-05 | 11.5% |
| 1989-01-18 | 10.25% |
| 1988-11-02 | 9.75% |
| 1988-08-17 | 9.25% |
| 1988-06-01 | 8.75% |
| 1988-03-16 | 8.25% |
| 1987-12-30 | 8.75% |
| 1987-10-14 | 9% |
| 1987-07-29 | 7.75% |
| 1987-05-13 | 7.5% |
| 1987-02-25 | 7% |
| 1986-12-10 | 7.75% |
| 1986-10-01 | 8% |
| 1986-07-16 | 8.25% |
| 1986-04-30 | 8.5% |
| 1986-02-12 | 9.75% |
| 1985-11-27 | 8.25% |
| 1985-09-11 | 8.5% |
| 1985-06-26 | 8.5% |
| 1985-04-10 | 9.75% |
| 1985-01-23 | 9.5% |
| 1984-11-07 | 11% |
| 1984-08-22 | 11.75% |
| 1984-06-13 | 11.25% |
| 1984-03-28 | 9.75% |
| 1984-01-11 | 8.75% |
| 1983-10-26 | 9% |
| 1983-08-10 | 9.25% |
| 1983-05-25 | 8.5% |
| 1983-03-09 | 9% |
| 1982-12-22 | 10% |
| 1982-10-06 | 12.5% |
| 1982-07-21 | 16% |
| 1982-05-05 | 15.75% |
| 1982-02-17 | 15.75% |
| 1981-12-09 | 14.5% |
| 1981-09-23 | 19% |
| 1981-07-08 | 16.5% |
| 1981-04-22 | 14.5% |
| 1981-02-04 | 13% |
| 1980-11-19 | 12.25% |
Range on record0.25–19.50%
Observations2,391
CountryCA
Source
- Source
- Bank of Canada
- Observation date
- Retrieved
Bank of Canada, Valet API.
Data
The full series is available as JSON at /data/series/ca-posted-guaranteed-investment-certificates-1-year.json and may be reused freely with attribution.