If you have any questions, please contact our client service representatives from 9 am to 5 pm EST by calling 1-866-392-1088 or send an email to help@wealthonebank.ca.



If you have any questions, please contact our client service representatives from 9 am to 5 pm EST by calling 1-866-392-1088 or send an email to help@wealthonebank.ca.

42 Canadian Banks and Credit Unions were researched according to Customer Experience, Fees, Accessibility, Digital Experience, Rates etc., and we are very proud to be recognized among the top 3 Online Banks in Canada.
Rates effective 2026-05-01***
3.30%
1 year
3.65%
18 months
3.65%
2 years
3.75%
3 years
3.85%
4 years
4.05%
5 years
These rates apply to non-registered GICs and registered GICs held in TFSAs and RRSPs.
GICs are a secure and worry-free way to invest your money and guarantee 100% of your principal. Know exactly how much you’ll end up with as you earn interest at a fixed rate for the term you choose. Your interest rate is guaranteed, so you don’t need to worry about changes in markets or the economy. The guaranteed returns can also help offset your higher-risk investments.
Choose the option that works best for you:

Great interest rate and maximum flexibility to support your daily banking.

A professionally-managed and diversified portfolio of high-quality investments, Smart Money Invest is a low-cost, automated investment portfolio that matches your personal financial goals, timeline, and risk tolerance.

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These calculators are made available to you as tools for independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy. All examples are hypothetical and are for illustrative purposes only.
To open registered accounts or add a joint account, please contact our Client Service team at 1.866.392.1088 (Mon–Fri, 9am–5pm EST), email help@wealthonebank.ca, or book an appointment.Regular GIC and HISA accounts can be opened online.
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