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Every first offer should be met with a polite "no".
Never accept your bank’s first offer without asking if a better deal is available.
Whether you’re buying a GIC or negotiating a mortgage, bank reps usually have a bit of room to negotiate. If you’re a good customer, be sure to bring this up—and suggest that you’ll look elsewhere if you can’t get a slightly better interest rate on your GIC or mortgage.
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what best interest rate you can offer for 1 to 5 yr, gic for $ 2 million
Do GIC’s interest rates differ if they are thru a business or if they are thru a personal account.