Today's Best GIC Rate

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18 Month at 2.90%

22 Month at 3.15%

 39 Month at 3.35%

Contact us for details! Financial Services Ltd. was founded in 1999 to provide higher guaranteed investment rates (deposit insurance from $100,000 to 100% guaranteed), through an easy format for a wide range of conservative investment needs. finds the highest available Guaranteed Investment Certificate (GIC) rates and provides you a simple, safe and secure process for getting the best rate with flexibility and deposit insurance coverage. 

Clients choose as their GIC Broker because of our great GIC rates and our NO FEE services:                                             

  • Deposit Insurance from $100,000 (CDIC)  to 100% guaranteed (provincial CUDGC
  • Average GIC rates are 1.00% to 1.50% higher than your retail branch!
  • Rates from our extensive network of financial institutions!
  • Personal service with over 150 Associate Offices across Canada!
  • We are members of the RDBA and the BBB


 RDBA BBB for website

By using our services, clients are able to implement a comprehensive cash management program that focuses on safety, convenience and a high rate of return. We provide GICs for individual clients and corporate clients including, but not limited to:

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 Deposit Insurance

All Guaranteed Investment Certificates (GICs) are insured by Federal, Provincial or Corporate insurance coverage depending on the institution. Chartered Banks and Trust Companies are federally insured and Credit Unions are provincially or corporately insured. Deposit insurance is automatic and does not require special application regardless of where the depositor resides.

Federal Insurance Coverage is provided by the Canadian Deposit Insurance Corporation (CDIC). The CDIC was created in 1967 by Parliament to keep Canada's financial system strong and to protect deposits made with member financial institutions. The financial institutions deals with are all member institutions and a list of these member institutions can be found at along with other detailed information about insurance coverage.

Insurance Coverage for Credit Unions (by Province) based on the Credit Unions that offers GICs through.

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 Purchase Now Tab

To get our highest guaranteed investment certificate (GIC) rates and purchase your GIC, you will need a personal cheque from a Canadian Financial Institution, a Canadian Social Insurance Number and two pieces of identification*. To find an office near you, search by your City and Province or call us at 877-551-7283 or 250-592-7707.

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"Dealing with GICdirect is good Karma!"  Darrell W. - Victoria BC

“Very trustworthy, fast, courteous and the best rates, saving all the hassle. One stop shop!”  Al W. - Victoria, BC

"Efficient. Easy to do business with. Time saving. Staff are all friendly, capable and competent."  Cam S. - Toronto, ON

"Easy to do business with and longer than average rate holds to transfer funds. Have very competitive rates available for GICs. Very friendly helpful people answer the phone and answer questions etc."  Angus R. - Williamstown, ON

"GICdirect's website is easy to use, and their customer service representatives explain the different products clearly so that you know what you are getting." Lana K. - Toronto, ON

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You Should Know!


We are updating this site with a 
launch date of Oct. 8th.

It will be much more user friendly with mobile devices
and we hope, better for you to navigate.