Trade ETFs with $0 commission
Buy and sell over 200 ETFs to build your portfolio, commission-free.¹
- ✓Over 200 eligible ETFs, commission-free when you trade online
- ✓Screeners and tools to find ETFs that fit your goals
- ✓Any account type, backed by the CIBC Digital Banking Guarantee
¹Online trades in ETFs on the Eligible ETF List; hold at least one business day. ETF fund fees still apply. Conditions apply.
BMO GICs GIC Rates Today
What are the current BMO GICs GIC rates?
BMO GICs GIC rates are competitive across all terms. Here are the latest 1, 2, 3, 4, and 5 year GIC rates.
Last updated: August 6, 2026
Lock in to some of the best GIC rates in Canada
A GIC is a secure investment that guarantees 100% of your principal plus interest at maturity.
- ✓Rates up to 3.85% for 5-year GIC*
- ✓$100 minimum investment
- ✓Eligible for CDIC protection†
BMO GICs GIC Rates
| Provider | 1 Year | 2 Year | 3 Year | 4 Year | 5 Year | Updated |
|---|---|---|---|---|---|---|
| BMO GICs | 2.70% | 2.75% | 2.85% | 3.00% | 3.10% | August 6, 2026 |
Minimum investment for BMO GICs GICs: $1,000
BMO GICs GIC Rate Calculator
GIC Rate Calculator
Calculate the amount you can earn in interest from a GIC over a set amount of time.
Initial Investment
$5,000
Interest Earned
+$712.45
Value at Term End
$5,712.45
How to get a GIC at BMO GICs?
- 1
Go to the BMO GICs website
- 2
Navigate to their GIC or Savings section and choose your term
- 3
Follow the application form to purchase your GIC
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