Best HISA 2.75% EQ Bank

Best 1-yr GIC 3.70% EQ Bank

BoC Policy Rate 2.25%

TFSA Cumulative Room $109,000 since 2009

Prime Rate 4.45%

Best FHSA GIC 4.30% EQ Bank 5yr

Best HISA 2.75% EQ Bank

Best 1-yr GIC 3.70% EQ Bank

BoC Policy Rate 2.25%

TFSA Cumulative Room $109,000 since 2009

Prime Rate 4.45%

Best FHSA GIC 4.30% EQ Bank 5yr

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Q4 2026 Rates

Key Benchmarks Verified Oct 12, 2026

Best HISA Rate EQ Bank Personal Account

2.75%

Best 1-yr GIC EQ Bank

3.70%

BoC Policy Rate Bank of Canada

2.25%

TFSA Room (cumulative) Eligible since 2009

$109k

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Where to start

Budgeting basics, account types, and your roadmap to financial control.

Emergency funds, HISAs, GICs — where to park your cash for the best return.

Credit reports, debt consolidation, and strategies to clear debt faster.

Chequing accounts, student banking, newcomer options, and no-fee picks.

TFSA, RRSP, FHSA — which account first, what to fill it with, how to start.

Send money abroad, multi-currency accounts, the cheapest cross-border transfers.

CPP/OAS timing, RRSP→RRIF conversion, withdrawal sequencing for the lowest lifetime tax bill.

Capital gains, side-hustle income, provincial credits — the 2026 tax year explained.

Original rate surveys and data-driven analysis from our research team.

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