Banking · GIC review
Hubert Financial GIC review
A top-tier rate, a quarter-point loyalty bump at renewal, and an unlimited Manitoba deposit guarantee that is open to every Canadian — not just Manitobans.
Best for: Any Canadian who wants a top rate with no $100,000 insurance ceiling
Pros
- Posts among the highest 1-year GIC rates in the country
- Unlimited Manitoba deposit guarantee — and open to all Canadians, not just residents
- Quarter-percent loyalty bump on some renewals
- TFSA, RRSP, RRIF and non-registered GICs, no monthly fees
Cons
- $1,000 minimum to open
- Provincial guarantee (Manitoba), not CDIC — a different backstop than a bank
- Online-only, with a deliberately no-frills experience
Who Hubert Financial is
Hubert Financial is the online arm of Access Credit Union in Manitoba. Unlike most provincial credit unions, Hubert is open to Canadians anywhere — you do not have to live in Manitoba to join — which is what makes it nationally relevant.
It runs lean and online-only, and it has built a long track record as a no-nonsense, high-rate place to hold cash and GICs. For a saver outside Manitoba, it is one of the few ways to access an unlimited provincial guarantee.
The rates — and a renewal perk
Hubert posts non-redeemable GIC rates that sit firmly in the leading group, usually within a few hundredths of the table-topper on the 1-year term. It is a permanent contender, not an occasional promo.
It also offers a quarter-percent loyalty bump on some renewals, which quietly improves your effective rate if you keep money there across terms — handy for a GIC ladder you intend to roll. Compare its live rate on our best GIC rates page.
The standout: unlimited coverage, open to all
Hubert's deposits are guaranteed by the Deposit Guarantee Corporation of Manitoba, which covers Manitoba credit-union deposits 100% with no dollar limit. There is no $100,000 ceiling — your entire balance, principal and interest, is guaranteed.
Because Hubert is open to all Canadians, this is one of the simplest ways for a large balance to stay fully insured without splitting it across institutions. The trade-off is that this is a provincial guarantee rather than the federal CDIC scheme — see our CDIC guide for how the two compare.
Frequently asked questions
What are Hubert Financial's GIC rates today?
As of June 13, 2026, Hubert Financial posts 3.45% on a 1-year term, 3.55% on a 2-year term, 3.65% on a 3-year term, 3.70% on a 4-year term, 3.80% on a 5-year term on non-redeemable GICs. Rates change without notice — see how they compare against every issuer on our best GIC rates table, refreshed daily.
What is the minimum to open a Hubert Financial GIC?
$1,000. Hubert Financial also offers registered versions, so you can hold these GICs inside a TFSA, RRSP or RRIF.
Are Hubert Financial GICs protected if the bank fails?
Manitoba credit-union deposits are 100% guaranteed with no dollar limit by the Deposit Guarantee Corporation of Manitoba. See our deposit-insurance guide for how to structure larger amounts.
The bottom line
Hubert Financial is one of the best-kept secrets in Canadian deposits: a consistently top rate, a loyalty bump that rewards you for staying, and an unlimited guarantee available to every Canadian. If you are comfortable with a provincial backstop instead of CDIC, it is especially compelling for balances over $100,000. See where its rate sits today on the comparison table.
Ready to compare Hubert Financial against the field?
See where its rate sits today across every issuer and term.
This review is for educational purposes only and is not financial advice. Rates shown are posted non-redeemable rates compiled by hand and last checked June 13, 2026; they change frequently. Our editorial rating reflects rate competitiveness, coverage, minimums, and account features — it is never paid for. Confirm current rates, terms, and CDIC or provincial deposit-insurance details on the issuer's website before investing. See our methodology for how we rate products and make money.