Guaranteed Investment Certificates (GICs) for businesses

Protect and grow your investment

Guaranteed investment certificates

GICs are secure investments with a guaranteed return and terms ranging from one month to five years. National Bank is a member of the Canada Deposit Insurance Corporation.¹

The advantages of a GIC

The principal is fully protected.
A fixed interest rate for the entire term, so you know the final return in advance.

Choose your GIC

Non-redeemable GICs

Special promotional rates on these GICs make them a very attractive investment. You can choose from several set investment terms.

What we offer

Terms ranging from 30 days to 5 years.
Higher interest rates than our redeemable GICs with the same term.
Your investment is fully protected up to $100,000.¹
No redemptions allowed before maturity.
Only available to our business clients.²
The funds invested in a GIC cannot originate from a Business Investment Account.

Term of less than 1 year

Minimum investment: $500
Interest: Payable at maturity

Term of 1 to 5 years

Minimum investment: $500
Simple interest: Choice of monthly, semi-annual or annual payments

Redeemable GICs

This is the ideal product if you need to access your funds, but don't know exactly when.

What we offer³

Funds can be accessed at any time in case of unforeseen events, subject to a penalty based on the time elapsed.
Partial redemption is allowed.
Your investment is fully protected up to $100,000.¹

Buy a GIC online

Our articles

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Helpful services

Business Investment Account

Looking for an investment that gives you access to your funds?

Open a BIA

Mutual funds

Looking for different investment solutions?

Learn more about our mutual funds

Global Trade Solutions

Want to protect your international transactions?

Learn more about our international solution

The little details that matter

Guaranteed investment certificates held in a business account are covered by the Canada Deposit Insurance Corporation (CDIC). Find out more about the coverage offered by CDIC.
Clients in the education, health and municipal sectors and public or Crown corporations should contact their Account Manager for more information concerning these investments.
The redemption conditions are as follows:
- Redemption allowed subject to a penalty based on the redemption table on the rates bulletin (F.12074)
- Redeemable before maturity at a reduced interest rate
- No interest if cashed within 30 days of the issue date

Non-registered