Tangerine GIC Calculator (2026)

Calculate your guaranteed interest payout on Tangerine Guaranteed Investments (GICs). Enjoy $0 minimum deposits, evaluate after-tax returns across TFSA and RSP registrations, and explore 1-year through 5-year fixed terms.

CDIC insuredRates verified October 22, 2026

Calculate your Tangerine Bank GIC return

Deposit amount

Minimum deposit: none

Term

Account type

Marginal tax rate

1-year rate

3.60%

Compounded annually

Interest earned

+$360.00

At maturity $10,360.00

Average per year: $360.00
After tax (30%): $252.00

Get this rate at Tangerine Bank

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Tangerine Bank GIC rates

Non-redeemable terms, verified October 22, 2026. Returns shown on a $10,000 deposit.

Term	Rate	Interest	At maturity
1 year	3.60%	+$360.00	$10,360.00
2 year	3.85%	+$784.82	$10,784.82
3 year	4.10%	+$1,281.12	$11,281.12
4 year	4.15%	+$1,766.22	$11,766.22
5 year	4.25%	+$2,313.47	$12,313.47

About Tangerine Bank GICs

Tangerine Bank (a wholly owned digital banking subsidiary of Scotiabank) offers one of the most accessible GIC platforms in Canada. Unlike traditional Big 5 branch banks that demand a mandatory $1,000 threshold to purchase a GIC, Tangerine imposes no minimum deposit requirement ($0 minimum). This allows Canadian savers to lock in fixed rates on even modest sums or round up spare cash into short-term guaranteed returns. Note that Tangerine GICs are strictly non-redeemable prior to maturity, so ensure you maintain adequate emergency funds in a flexible liquid HISA before locking in.

$0 minimum investment – start with as little as $1
Independent $100,000 CDIC insurance envelope separate from Scotiabank
Seamless instant transfer from Tangerine Savings or Chequing accounts

Tangerine Guaranteed Investment (Non-Registered)

Standard fixed-term deposit with interest calculated daily and paid annually or compounded at maturity. Offers $0 minimum deposit when opened through Tangerine online banking.

Tangerine Tax-Free & RSP GICs

Fully sheltered fixed-income certificates held within your Tangerine TFSA or RSP, shielding 100% of accumulated interest from Canadian federal and provincial taxes.

18-Month & Specialty Term GICs

Tangerine frequently features unique 1.5-year (18-month) terms that pay premium yields above conventional 1-year or 2-year offerings during promotional windows.

Need immediate liquidity? See Tangerine savings account rates → · Spreading deposits across maturities? Build a GIC ladder →

Frequently Asked Questions

Essential answers about Tangerine Bank GIC terms, interest payout options, and early redemption rules.

What is the minimum deposit for a Tangerine GIC?

Tangerine has no minimum deposit ($0 minimum) for Guaranteed Investments opened online. You can invest as little as $1 or any amount you choose, making Tangerine the most accessible GIC provider in Canada.

Is Tangerine CDIC insured separately from Scotiabank?

Yes. Even though Tangerine Bank is wholly owned by Scotiabank, Tangerine Bank is a separately registered CDIC member institution. This means your eligible deposits at Tangerine enjoy their own independent $100,000 CDIC coverage envelope, completely separate from any deposits held directly at Scotiabank.

Can I redeem a Tangerine GIC early?

No. Tangerine Guaranteed Investments are strictly non-redeemable prior to the specified maturity date. Funds cannot be withdrawn early except under exceptional circumstances such as verified estate settlement.

What is the current Tangerine 1-year GIC rate?

As of October 22, 2026, Tangerine's posted 1-year Guaranteed Investment rate is approximately 3.60% APY. Rates apply equally to non-registered, TFSA, and RSP accounts.