Guaranteed Investment Certificates (GICs)

Power your ideas with a guaranteed investment

Choose a GIC

 

What is a GIC?

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.

Perfect if you are looking to:

  • Guarantee your original investment
  • Get a guaranteed return on your investment
  • Take advantage of market potential

Choosing the right GIC

Fixed-rate GIC

Fixed-rate

Get a fixed rate of return for a specific term.

Why choose it
Get a guaranteed return on your investment.

Market-linked GIC

Market-linked

Interest is tied to the performance of stocks and stock market indices.

Why choose it
Leverage market potential.

Non-redeemable GIC

Non-redeemable

You can’t cash in your investment before the maturity date.

Why choose it
Enjoy a competitive interest rate.

Redeemable GIC

Redeemable

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.

Compound interest GIC

Compound interest

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.

Simple interest GIC

Simple interest

Interest is only calculated on your initial investment.

Why choose it
Interest is payable throughout the term of your GIC.

Registered plan GIC

Registered plan

Your GIC can be placed in an RRSP or TFSA.

Why choose it
Grow your investment tax-free.

Unregistered account GIC

Unregistered account

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.

Featured GICs

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Choose a GIC

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

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        Four categories of GIC

        Redeemable GICs


        Access your investment when you need cash.

        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


        Enjoy a competitive interest rate and variable terms.

        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.

         

        Optimarket GIC™ (market-linked)


        Offers great growth potential.
         

        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.