Independent. Canadian. Updated Monthly.
Finance is confusing. We made it Centsable.
Real rates, real comparisons, zero bank spin — savings, mortgages, credit cards and more, side by side.
The quick answer
Centsable compares real, current rates from banks and fintechs across savings, TFSAs, GICs, mortgages, credit cards, chequing, brokerages, and personal loans — independently, with no bank sponsorship influencing the picks. Right now the best ongoing savings/TFSA rate we track is KOHO at 3.50%, the best 1-year GIC rate is 3.55%, and the lowest insured 5-year fixed mortgage rate is 4.09%. Browse a category below, or ask the AI search bar above a specific question.
- Best savings/TFSA rate: KOHO — 3.50%
- Best 1-year GIC rate: 3.55%
- Lowest insured 5-year fixed mortgage: 4.09%
- Eight product categories tracked and compared, updated regularly — independent, no bank sponsorship.
Centsable's editorial team, fact-checked and updated August 2026.
Today's best rates
Updated regularly from institution-published rates. Tap any product to see the full comparison.
We only compare institutions we'd trust with our own money.
Every bank, credit union, and fintech on Centsable is either CDIC-insured or a federally regulated Canadian institution. We don't list products just because they pay us a commission — if we wouldn't put our own savings there, it doesn't make the list.
Rates compared across Canada's leading banks & fintechs
Save & Grow
Put your cash to work — the accounts paying the most right now.
Buy or Borrow
Financing a home or a big purchase? Compare before you sign.
Spend Smarter
Everyday banking and investing that doesn't cost you extra.
Compare Rates
Pick a category — we'll take you straight to the full side-by-side comparison.