Updated October 18, 2026 · VaultCue Editorial Team

Top fixed-rate bonds and CDs compared in Canada

27 accounts available in Canada, ranked for Canada.

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Top fixed-rate bonds and CDs compared in Canada
Order	Account	Score	Features	Key facts	Actions
1	Serenia Life FinancialTop pickPartner Save up to 25% off life insurance: 25% off first-year premium, up to CAD 500; monthly payers have premiums waived for the first 3 months or up to CAD 500	9.3/10		Headline rate: 1% to 4.3% Rate type: Fixed Term: 9 to 60 months	Review CompareSee alternatives
2	One ZeroPartner	9.2/10	No monthly fee	Headline rate: 6% Rate type: Fixed Term: 12 months	Review CompareSee alternatives
3	NLB Banka KosovaPartner NLB Depozita me afat - bonus deri ne 200 EUR: bonus up to 200 EUR	8.9/10	Expats Joint account	Rate type: Fixed Term: 12 to 60 months Access terms: No withdrawal before maturity; early withdrawal loses all interest; automatic renewal after the term	Review CompareSee alternatives
4	Vivid MoneyPartner	8.8/10	No monthly fee	Headline rate: 3% Rate type: Fixed Minimum deposit: €0.010	Review CompareSee alternatives
5	Bank of Scotland DEPartner German online bank offering Festgeld fixed-term deposits and Tagesgeld savings alongside instalment and car loans.	8.5/10		Headline rate: 3% Account kind: Easy access Headquarters: Germany	Review CompareSee alternatives
6	Santander Consumer Bank PLPartner Polish consumer bank offering online lokaty (term deposits), a savings account, cash and car loans and credit cards.	8.5/10	No monthly fee	Headline rate: 3.6% Rate type: Variable Access terms: no minimum or maximum balance on the account	Review CompareSee alternatives
7	Bigbank FIPartner Bigbank in Finland offers a savings account and fixed-term deposits, with deposit protection up to 100,000 euros per customer, alongside vehicle and product financing.	8.0/10	No monthly fee	Headline rate: 2.5% Deposit protection: Up to 100,000 EUR per customer Access terms: Ei kuluja tai nostorajoituksia	Review CompareSee alternatives
8	ABB BankPartner	Not rated		Headline rate: 10.5% Rate type: Fixed Term: 3 to 36 months	Review CompareSee alternatives
9	Addiko Bank Crna GoraPartner	Not rated		Headline rate: 1.4% Rate type: Fixed Term: 1 to 36 months	Review CompareSee alternatives
10	Addiko Bank SrbijaPartner	Not rated	No monthly fee	Headline rate: 3.85% to 5.57% Rate type: Fixed Term: 3 to 36 months	Review CompareSee alternatives