Guaranteed Investment Certificate (GIC)
Guarantee your investment, bring your projects to life
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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.
The initial investment and interest are guaranteed at maturity
The ability to know how your investment is performing early on.
Access to a wide range of terms and types of interest to meet your financial needs.
Additional protection on your investments with CDIC deposit insurance.
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).
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.
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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.
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
Redeemable GICs
Access your investment whenever you need cash.
- Fixed and guaranteed rates
- Predictable performance
- Access to liquidity in case of unexpected events
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
USD GICs
Grow your savings using USD.
- Direct investment of your USD investments in our U.S. accounts
- Guaranteed returns
Explore our other savings and investment solutions
Managed solutions and investment funds
You can trust our experts to manage your investments. They’re here to help you find our best investment solutions according to your profile, goals, and risk tolerance.
Savings account
Great for short-term saving—access your funds at any time.
Ready to start saving?
Contact us for personalized support, or invest online by signing in.
1-888-270-3941
Monday to Thursday,
8 a.m. to 6 p.m. (ET)
Friday, 8 a.m. to 5 p.m. (ET)
Little details that matter
- Interest is calculated on an annual basis. Your deposits in a Guaranteed Investment Certificate are insurable by the Canada Deposit Insurance Corporation (CDIC). Discover the protection offered by CDIC.
Featured GIC rates are subject to change at any time.
