Non-redeemable GICs

Power your short- and long-term projects
 

At a glance

What is a Non-Redeemable GIC?

Get a fixed return on your investment and choose from a variety of terms depending on your investment horizon.

Perfect if you are looking to:

  • Earn interest at a competitive rate, risk-free
  • Choose from a number of terms (one month to five years)
  • Get a guaranteed return on your investment

Rate: Fixed

Minimum investment: $500 (RRSP, TFSA) or $1,000 (non-registered plan)

Access to funds: No

Investment horizon: 1 month to 5 years

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Featured GICs

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GIC options

Select the term and interest type of your non-redeemable GIC. If you’re already a client, you can choose the plan in which to invest your GIC (TFSA, RRSP or non-registered account) in a second step. 

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Choose this GIC

Our advisors can help you choose the GIC that's right for you.

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Tip

Looking to cash in a portion of your investment each year and take advantage of higher interest rates? Learn about the GIC laddering strategy.

Little details that matter

  • Minimum Investment of 500$
  • Offered in non registered and in all plans except the RESP
  • The GIC in the RRSP can be transferred to a RIFF
  • Offered under NBC, NATCAN, and TRUST subsidiaries
    • For online purchases of GIC, only the NBC option is available as subsidiary.

Deposit in bank account at maturity only for non-registered accounts.

  • For online purchase of GIC, only annual payment of interest is available.

Non-Redeemable Guaranteed Investment Certificate (GIC) and Non-Redeemable US dollars Guaranteed Investment Certificate (GIC) [PDF]

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