Power your ideas with a guaranteed investment
You entrust a sum of money to the bank for a specific period of time—terms range from 30 days to 10 years.
Your investment earns you interest and the original amount (principal) is 100% protected.
Get a fixed rate of return for a specific term.
Why choose it
Get a guaranteed return on your investment.
Interest is tied to the performance of stocks and stock market indices.
Why choose it
Leverage market potential.
You can’t cash in your investment before the maturity date.
Why choose it
Enjoy a competitive interest rate.
You can cash in your investment at any time.
Why choose it
Funds can be accessed as needed, although the interest rate is slightly lower than that of a non-redeemable GIC.
Interest is earned on your initial investment as well as on the interest generated over time.
Why choose it
Get the most out of your GIC by earning interest on your interest.
Interest is only calculated on your initial investment.
Why choose it
Interest is payable throughout the term of your GIC.
Your investment is held in an unregistered account (without a plan).
Why choose it
Save without having to worry about contribution limits, withholding taxes or withdrawal fees.
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Bonification
Get great rates with our promotional offers
Minimum investment
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Performance
Enjoy a market-linked interest rate
Minimum investment
Term
Guaranteed interested at maturity
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Redeemable GIC
Can be cashed in at any time.
Redeemable Without Penalty GIC
Redeemable after 30 days or 6 months.
Redeemable Plus GIC
Can be redeemed every year.
Non-redeemable GICs
Short, medium or long-term investment.
Monthly Cash Management GIC
Cash in your GIC after 30 days.
Extra GIC
Cash in your GIC after 90 days.
Diversified GIC Flex Series
Combine two market-linked GICs and a fixed-rate GIC with predictable returns.
Canadian Bank GIC Flex Series
Leverage the growth potential of Canadian banks.
Canadian Market GIC Flex Series
Leverage the potential of the S&P/TSX 60 Index.
American Market GIC Series Flex, Serie 1
Leverage the growth potential of the S&P 500 Index.
Non-Redeemable USD GIC
Benefit from a competitive interest rate.
Redeemable USD GIC
Access your funds when you want.
Get help choosing your GIC from one of our expert advisors.
Featured GIC rates are subject to change at any time.
TM National Bank Optimarket GIC is a trademark of National Bank of Canada.
Interest is calculated annually.
Guaranteed investment certificates (GICs) are covered by the Canada Deposit Insurance Corporation (CDIC). Find out more about the coverage offered by CDIC.
The rate offered for bonus rate GICs does not automatically apply to GIC renewals. Upon renewal, the then current rate applicable to your product will apply.
Trust our experts to manage your investments.
Talk to an advisor for personalized advice or sign in to your online bank to invest.
