Non-Redeemable GIC
Redeemable GIC
TermNote Plus GIC

Providing the security of a fixed interest rate for the entire term, as well as predictable returns, non-redeemable GICs are an excellent choice for investors who want to deposit their money for a set period.

Type	Guaranteed-capital
Investment horizon	3 months to 5 years
Risk level
Minimum investment	$500
Interest payment	Compounded annually on the anniversary date and payable at maturity.                                  For terms under 1 year, payable at maturity only.
Transferability	Can be transferred from a RRSP to a RRIF
Access to funds	Not redeemable before maturity
Return (%)	Term	Rate
	3 months % 6 months % 1 year % 18 months % 2 years % 3 years % 4 years % 5 years %

N.B: The interest rates posted are paid at maturity.

• The interest rate is fixed for the entire term.
• Authorization to renew at maturity: At maturity, unless otherwise notified by the depositor, the GIC and any renewal thereof will be renewed for the same amount (including accrued and unpaid interest) and for a term equivalent to the initial term, at the interest rate in effect at that time.  The depositor has 10 business days following the date of issuance of the renewed deposit type instrument to cancel it.
• National Bank is a member of the Canada Deposit Insurance Corporation (CDIC).
• To know the charges related to a RRSP, please consult our brochure to this purpose, being: Fees - Your Guide to Personal Banking Solutions, section "Registred Plans".
• To know our process of notification of charge increases or the introduction of new fees, please consult our brochure to this purpose, being: General Information and Agreement, section "Notice of Changes to Fees Listed in Your Guide to Personal Banking Solutions".
• To know our process in dealing with complaints relating to the processing of  charges for a  RRSP product, click here.
• To contribute, you need a National Bank account. To open an account, please visit one of our branches.

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This GIC is redeemable at any time with an interest rate payable based on the length of the investment. This product is perfect for investors who know they will need cash but not exactly when.

Type	Guaranteed-capital
Investment horizon	1 month to 5 years
Risk level
Minimum investment	$1000 (1 year or more) or $5000 (less than 1 year)
Interest payment	Compounded annually on the anniversary date and payable at maturity.                                  For terms under 1 year, payable at maturity only.
Transferability	Can be transferred from a RRSP to a RRIF
Access to funds	Redeemable before maturity.  Reduced interest rate applied to the portion of the principal redeemed. This rate will be based on the term elapsed as posted at the branch. No interest is paid if the GIC is redeemed during the first 30 days after the issue date. Full redemption only.
Return (%)	Term	Rate
	1 month % 3 months % 6 months % 1 year % 2 years % 3 years % 4 years % 5 years %

N.B: The interest rates posted are paid at maturity.

• The interest rate is fixed for the entire term.
• Authorization to renew at maturity: At maturity, unless otherwise notified by the depositor, the GIC and any renewal thereof will be renewed for the same amount (including accrued and unpaid interest) and for a term equivalent to the initial term, at the interest rate in effect at that time.  The depositor has 10 business days following the date of issuance of the renewed deposit type instrument to cancel it.
• National Bank is a member of the  Canada Deposit Insurance Corporation (CDIC).
• To know the charges related to a RRSP, please consult our brochure to this purpose, being: Fees - Your Guide to Personal Banking Solutions, section "Registred Plans".
• To know our process of notification of charge increases or the introduction of new fees, please consult our brochure to this purpose, being: General Information and Agreement, section "Notice of Changes to Fees Listed in Your Guide to Personal Banking Solutions".
• To know our process in dealing with complaints relating to the processing of  charges for a  RRSP product, click here.
• To contribute, you need a National Bank account . To open an account, please visit one of our branches .

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Fixed-term GIC with a superior interest rate. This non-redeemable GIC is an excellent choice for investors who want to benefit from a higher interest rate by depositing their money for a longer term. Enjoy the security of a fixed interest rate for the entire term of the investment as well as a guaranteed return.

Type	Guaranteed-capital
Investment horizon	61 months to 10 years
Risk level
Minimum investment	$1,000
Interest payment	Compounded annually on the anniversary date and payable at maturity.
Transferability	Can be transferred from a RRSP to a RRIF (61 months excluded)
Access to funds	Not redeemable before maturity
Return (%)	Term	Rate
	61 months % 6 years % 7 years % 8 years % 9 years % 10 years %

N.B: The interest rates posted are paid at maturity.

• Fixed-term GIC offering a higher return than conventional GICs because the term is longer.
• The interest rate is fixed for the entire term.
• Authorization to renew at maturity: At maturity, unless otherwise notified by the depositor, the GIC and any renewal thereof will be renewed for the same amount (including accrued and unpaid interest) and for a term equivalent to the initial term, at the interest rate in effect at that time.  The depositor has 10 business days following the date of issuance of the renewed deposit type instrument to cancel it.
• Does not constitute a deposit that is insured under the Canada Deposit Insurance Corporation Act.  Fully guaranteed by National Bank.
• To know the charges related to a RRSP, please consult our brochure to this purpose, being: Fees - Your Guide to Personal Banking Solutions, section "Registred Plans".
• To know our process of notification of charge increases or the introduction of new fees, please consult our brochure to this purpose, being: General Information and Agreement, section "Notice of Changes to Fees Listed in Your Guide to Personal Banking Solutions".
• To know our process in dealing with complaints relating to the processing of  charges for a  RRSP product, click here.
• To contribute, you need a National Bank account. To open an account, please visit one of our branches.

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