Best Tangerine Bank GIC Rates for October 2025

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Oct 1, 2025 Siddhi Bagwe

Tangerine is a Canadian online bank, launched in 1997 as ING Direct Canada. Acquired by Scotiabank in 2012, Tangerine offers more than two million clients no- or low-fee daily personal and business banking, borrowing and investment products.

Tangerine offers its customers a wide range of no-fee guaranteed investment certificate (GIC) options that are easy to open online with various terms and fixed interest rates.

Tangerine Bank’s current GIC rates

Tangerine Bank GIC rates for registered, non-registered and U.S. dollar deposit terms, as of Oct. 1, 2025.

Note: All Tangerine have interest calculated on the daily basis. For GIC terms of one year or longer, the interest is compounded and/or paid annually and for GIC terms of less than one year, the interest is paid at maturity.

Term	Interest Rate	GIC Type
90 days	2.75%	Tangerine RSP GIC
90 days	2.75%	Tangerine Tax-Free GIC
90 days	2.75%	Tangerine RIF GIC
90 days	2.75%	Tangerine Non-Registered GIC
90 days	3.10%	Tangerine US Dollar GIC
180 days	2.90%	Tangerine RSP GIC
180 days	2.90%	Tangerine Tax-Free GIC
180 days	2.90%	Tangerine RIF GIC
180 days	2.90%	Tangerine Non-Registered GIC
180 days	3.30%	Tangerine US Dollar GIC
270 days	3.05%	Tangerine RSP GIC
270 days	3.05%	Tangerine Tax-Free GIC
270 days	3.05%	Tangerine RIF GIC
270 days	3.05%	Tangerine Non-Registered GIC
270 days	3.30%	Tangerine US Dollar GIC
1 year	3.10%	Tangerine RSP GIC
1 year	3.10%	Tangerine Tax-Free GIC
1 year	3.10%	Tangerine RIF GIC
1 year	3.10%	Tangerine Non-Registered GIC
1 year	3.65%	Tangerine US Dollar GIC
1½ years	3.10%	Tangerine RSP GIC
1½ years	3.10%	Tangerine Tax-Free GIC
1½ years	3.10%	Tangerine RIF GIC
1½ years	3.10%	Tangerine Non-Registered GIC
1½ years	3.70%	Tangerine US Dollar GIC
2 years	3.15%	Tangerine RSP GIC
2 years	3.15%	Tangerine Tax-Free GIC
2 years	3.15%	Tangerine RIF GIC
2 years	3.15%	Tangerine Non-Registered GIC
2 years	3.75%	Tangerine US Dollar GIC
3 years	3.25%	Tangerine RSP GIC
3 years	3.25%	Tangerine Tax-Free GIC
3 years	3.25%	Tangerine RIF GIC
3 years	3.25%	Tangerine Non-Registered GIC
3 years	3.75%	Tangerine US Dollar GIC
4 years	3.35%	Tangerine RSP GIC
4 years	3.35%	Tangerine Tax-Free GIC
4 years	3.35%	Tangerine RIF GIC
4 years	3.35%	Tangerine Non-Registered GIC
4 years	3.80%	Tangerine US Dollar GIC
5 years	3.40%	Tangerine RSP GIC
5 years	3.40%	Tangerine Tax-Free GIC
5 years	3.40%	Tangerine RIF GIC
5 years	3.40%	Tangerine Non-Registered GIC
5 years	3.80%	Tangerine US Dollar GIC

The best Tangerine gic rates

Account	Interest rate	Term	Minimum deposit
Tangerine Non-registered 2 Year GIC
	3.15% As of September 17, 2025	2 Years	$0
Tangerine RSP 1 Year GIC
	3.10% As of September 17, 2025	1 Year	$0
Tangerine Tax-Free 2 Year GIC
	3.15% As of September 17, 2025	2 Years	$0
Tangerine RIF 9 Month GIC
	3.05% As of September 17, 2025	270 Days	$0
Tangerine US Dollar 1 Year GIC
	3.65% As of September 17, 2025	1 Year	$0

What to know about Tangerine Bank GICs

Tangerine Bank GICs are non-redeemable investments with varying short and long term options. Aside from the non-registered GICs, Tangerine also offers term deposits that can be included in various registered plans. Those looking for high-interest earning U.S. dollar investments can take advantage of the bank’s GICs for no service fee.

Deposits of up to $100,000 in Tangerine GICs are also covered by the Canada Deposit Insurance Corporation (CDIC) against bank failure.

How to choose a Tangerine Bank GIC

Before you choose a Tangerine Bank GIC, think about the main purpose of your investment — holding funds from a windfall till you decide on the best use; including the GIC as part of your retirement portfolio; or taking advantage of the best interest rate for short-term investments.

Then you can support your investment strategy by evaluating your GIC options based on:

• Types of GICs available.
• Variety of terms.
• Interest rates.
  
  

Types of Tangerine Bank GICs

Tangerine offers a range of non-redeemable, fixed rate GICs, available as registered and non-registered investments.

Registered offerings include:

• RSP Guaranteed Investment: reduce tax by contributing to a registered retirement savings plan (RRSP) GIC.
• Tax-Free Guaranteed Investment: earns tax-free interest on deposits held in a tax-free savings account (TFSA) GIC.
• RIF Guaranteed Investment: designed for individuals who have transferred their RRSP to a registered retirement income fund (RRIF).
  
  

Non-registered offerings include:

• Guaranteed Investment: held in a regular taxable account.  
• US$ Guaranteed Investment: held and paid out in US currency.
  
  

Tangerine’s business clients may also be eligible to open a Tangerine Business Guaranteed Investment or Business US$ Guaranteed Investment.

Tangerine Bank GIC terms

Tangerine GICs are offered in a range of terms, up to five years, including:

Short terms: 90 days, 180 days, 270 days

Long terms: 1 year, 18 months, 2 years, 3 years, 4 years and 5 years

For GICs with terms of one year or longer, Tangerine compounds and pays out interest annually. Interest on GICs with shorter terms — less than one year — is paid at maturity.