Guaranteed Investment Certificate (GIC)

Guarantee your investment, bring your projects to life
 

Check out our featured GICs

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What is a GIC? | Our GICs and their rates | What’s the best GIC for you? | Our investment advice

What is a Guaranteed Investment Certificate (GIC)?

 A Guaranteed Investment Certificate (GIC) is a safe investment that allows you to earn interest over a period ranging from as little as 30 days to 10 years. It’s a stable investment that offers many advantages.

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The initial investment and interest are guaranteed at maturity

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The ability to know how your investment is performing early on. 

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Access to a wide range of terms and types of interest to meet your financial needs.

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Additional protection on your investments with CDIC deposit insurance.

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Buy your GIC online

Already know which GIC you want? If you’re a National Bank client, you can purchase the GIC of your choice directly from your online bank. Sign in and choose which plan you want to use to invest in your GIC (TFSA, RRSP or non-registered account). 

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Our featured GICs and their rates

Discover our featured non-redeemable GICs and associated rates and terms 1 to choose the one that’s best for you. 

* All of our GICs require a minimum $500 investment.

2.80%

12-month term
 

Choose this GIC

2.90%

18-month term
 

Choose this GIC

3.05%

24-month term
 

Choose this GIC

3.20%

36-month term
 

Choose this GIC

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Are these GICs not what you’re looking for?

We offer a wide selection of GICs that can help you reach your financial goals.

Discover all our GICs

How should I choose a GIC?

The best GIC is the one that best suits your financial situation and investment goals. Before choosing, consider different criteria such as initial investment, type of return, investment horizon, etc. To help you decide, here are the terms and conditions of the different types of GICs we offer.

Non-redeemable GICs

Take advantage of competitive fixed-rate interest rates and varied terms.

 
  • Fixed and guaranteed rates
  • Predictable performance
  • Superior rates compared to redeemable GICs

Available GICs   

Non-redeemable GIC

Monthly cash management GIC

Extra GIC

Redeemable GICs

Access your investment whenever you need cash.

 
  • Fixed and guaranteed rates
  • Predictable performance
  • Access to liquidity in case of unexpected events

Available GICs   

Redeemable GIC

Redeemable without penalty GIC

Redeemable Plus GIC

Market-linked GIC

Benefit from a return linked to the growth potential of the markets.

 
  • Visibility on market-related growth potential
  • High-return potential
  • Guaranteed investment

Available GICs   

Diversified GICs

Canadian Banks GIC Flex Series

Canadian Sustainable Companies Flex GIC

USD GICs

Grow your savings using USD.

 
  • Direct investment of your USD investments in our U.S. accounts
  • Guaranteed returns

Available GICs   

Non-redeemable USD GIC

Redeemable USD GIC

Discover all our GICs

Our investment advice

You could maximize your returns while retaining access to a portion of your funds annually by staggering the maturity dates of your GICs. That means dividing the initial investment amount and placing them into equal, but separate GICs with maturity dates ranging from one to five years. For example, if you’re looking to invest $5,000, you would invest $1,000 in a 1-year GIC, $1,000 in a 2-year GIC, and so forth. 

Read our articles for more savings and investment tips.

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The rule of 72 and the magic of compound interest

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Our other investment products

Discover how our solutions can meet your financial goals and grow your savings.

Cash Advantage Solution

Ideal for protecting your savings while benefiting from an interest rate that increases across different tiers.

Discover this solution

Portfolio Solutions

Ideal for investing in a full, diverse ronge of mutual funds.

Discover our portfolios

High Interest Savings Account

Ideal for putting money aside while also being able to immediately access your funds in case of unexpected events.

Discover this account

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Responsible investment

Discover our NBI Sustainable Portfolios and invest in a diversified turnkey solution that aligns with your values and financial goals.

Learn more

Ready to start saving?

Contact us for personalized support, or invest online by signing in.

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Friday, 8 a.m. to 5 p.m. (ET)

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Little details that matter

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National Bank’s virtual assistant

When using our Virtual Assistant Service (the "Chatbot"), you accept these Terms of Use, which are subject to change without notice. Furthermore, you agree to consult these Terms of Use from time to time and acknowledge that your continuing use of the Chatbot means that you have accepted any changes that may have been made. Your continued use of the Chatbot means that you’ve read, understand and agree to these Terms of Use, the Terms of Use for our website, our Online transaction services, and to our privacy policy. You also understand any other agreements that you have with us will continue to apply when you use the Chatbot.

1. Our Services and your responsibilities

The Chatbot is an automated service which is integrated into our online banking platform.

The Chatbot is preprogrammed to answer general questions concerning the use of our online banking platform solely for informational purposes. The Chatbot is not able to answer questions on personal monetary transactions or products you hold with us.

By using the Chatbot, you understand and agree that:

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We cannot guarantee that the results obtained via the Chatbot will be accurate and reliable and that the answers provided will meet your expectations.

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