Not all Deposit Brokers deliver the same results
Broker Advantage Index (BAI) makes that difference clear
When it comes to securing your savings with Guaranteed Investment Certificates (GICs), two things matter most: best rates and deposit insurance protection.
Broker Advantage Index (BAI) helps ensure you get both.
Quality you can see, value you can measure
BAI is an interactive comparison that shows how GIC rates from RDBA-vetted deposit brokers compare to those offered by Canada’s major banks.
By comparing the average of the five highest broker GIC rates for 1-, 3-, and 5-year terms, the BAI provides clear, visual proof that deposit brokers consistently deliver stronger returns – so you can choose with confidence.
Same deposit insurance. Different outcomes.
Major Bank Rates and Policy Interest Rate obtained from The Bank of Canada
Why this difference matters to you
Higher rates don’t come from taking more risk. They come from expert access, independent sourcing, and proper structure.
Working with a BAI-recognized RDBA broker helps you:
- Access competitive GIC rates from multiple financial institutions
- Maintain optimized CDIC or provincial deposit insurance coverage
- Structure maturities and ladders more effectively
- Avoid over-concentration at any one institution
- Make informed, compliant decisions with confidence
More income, same protection, greater peace of mind.
Built on RDBA standards you can trust
Brokers included in the Broker Advantage Index are assessed against criteria that reflect RDBA expectations, including:
Adherence to professional and ethical standards
Commitment to regulatory compliance
Ongoing education and industry knowledge
Client-first best practices
Ready to find the best rates with 100% security?
Don’t settle for the lower rates or limited options of a single institution. Choose a professional whose quality is guaranteed by the RDBA.
Still new to GICs or Deposit Brokers?
We understand. If you need a more detailed breakdown of how GICs work, how deposit insurance protects your money, and why working with an independent Deposit Broker matters, our guide is here to help.