What the data isn’t showing about credit stress + MORE Apr 15th

How to go about securing the best return for your investment in Canada.

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The best GIC rates in Canada for 2026

– moneysense.ca

GIC comparison tool

Find the best and most up-to-date GIC rates in Canada using the comparison tool below. Plus, use the filters to assess your estimated rate of return based on the size of your balance.

Why trust us
MoneySense is an award-winning magazine, helping Canadians navigate money matters since 1999. Our editorial team of trained journalists works closely with leading personal finance experts in Canada. To help you find the best financial products, we compare the offerings of major institutions, including banks, credit unions and card issuers. Learn more about our advertising and trusted partners.

Highest GIC rates in Canada

Banks, credit unions, trust companies and discount brokerages all offer GICs. Below, you’ll find the best rates available from a variety of financial institutions, including credit unions and Canada’s Big Six banks. The rates listed are for non-redeemable GICs held in non-registered accounts—the most popular type of GIC in Canada…

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What the data isn’t showing about credit stress

– moneysense.ca

The broad picture of household finances indicates that Canadians are generally managing through the upheavals of tariffs, a soft job market, inflation, and other headwinds, but looking deeper shows pockets of severe credit challenges.

The recent difficulties at Goeasy Ltd. give a hint of those troubles, after the subprime lender reported hundreds of millions in losses last month after it wrote down $178 million in loans and saw its shares plummet. The troubles happened despite credit rating agency TransUnion reporting overall delinquencies were unchanged in the last quarter of 2025 from a year earlier.

It’s part of a broader trend of many people, especially homeowners, managing well, as financial strain worsens for those who were already struggling. “Those high-level numbers can mask a little bit what’s actually happening,” said Rebecca Oakes, vice-president of advanced analytics at Equifax Canada. “We talk about that K-shaped recovery, it’s kind of like that divergence…

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