Non-Redeemable Irregular Term GIC

Because it features attractive interest rates

The Non-Redeemable Irregular Term GIC comes with a variety of attractive promotional interest rates. Choose amongst a selection of predefined investment terms. 

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NON-REGISTERED


Minimal Investment

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Interest Rate

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Term

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Rate

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Simple interest rate

Compound interest rates

RRSP


Minimal Investment

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Interest Rate

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Term

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Rate

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Compound interest rates

TFSA


Minimal Investment

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Interest Rate

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Term

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Rate

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Select a term or a rate

Simple interest rates

Compound interest rates

Additional information
 

Non-Registered

Interest paiement options

Monthly: Calculated and payable on the deposit date ($1,000 minimum investment).
Semi-annually: Calculated and payable on the deposit date ($1,000 minimum investment).
Annually: Calculated and payable on the anniversary date, or compounded annually on the anniversary date and payable at maturity.

N.B.: Only the annual interest payment option is available when an investment is made online.
 

Access to funds

Not redeemable before maturity.
 


The interest rates posted are the interest calculated annually. For monthly interest, the rate is reduced by 0.125%. For semi-annual interest, the rate is reduced by 0.05%.

RRSP

Interest paiement options

Compounded annually on the anniversary date and payable at maturity.
 

Transferability

Can be transferred from an RRSP to a RRIF.
 

Access to funds

Not redeemable before maturity.
 


The interest rates posted are paid at maturity.

TSFA

Interest paiement options

Interest paid annually.

 

> 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 the desired 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 an RRSP or a TFSA, please consult our brochure to this purpose, being: Fees - Your Guide to Personal Banking Solutions, section "Registered Plans".


*Equivalent to the initial term, or any other term, available within the product chosen and specified by the depositor.

> To know our process of notification of charge increases or the introduction of new fees, please consult the 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 or a TFSA product, click here.

To be able to contribute, you need a National Bank account. To open an account, please visit one of our branches.

 

 

Find out more 

RRSPs and taxes

Contributing to an RRSP allows you to reduce the fiscal impact of your investments. First by diminishing the amount owed in taxes for the RRSP contribution year, then by keeping the invested amount sheltered from taxation until retirement.

Reducing the taxes

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RRSP ot TFSA?

RRSPs and TFSAs were designed to meet different objectives. The RRSP is a vehicle to help save for retirement, while the TFSA was created to help save for more short-term projects, like buying a car.

See details

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Does retirement seem a long way off? By starting early to save for your older age, you have time on your side to accumulate what you need to maintain your standard of living… Maybe until you’re 100!

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