Guaranteed Investment Certificate (GIC)

Guarantee your investment, bring your projects to life

Check out our featured GICs

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). 

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


Grow your savings using USD.

  • Direct investment of your USD investments in our U.S. accounts
  • Guaranteed returns
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Are you planning on studying in Canada?

Our GICs for international students can potentially speed up your Student Direct Stream program application with the Department of Immigration, Refugees and Citizenship Canada.

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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NBI Money Market Funds

Ideal for short-term investments by using low-risk funds that are easily transferable.

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High Interest Savings Account

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

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Ready to start saving?

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

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Monday to Thursday,
8 a.m. to 6 p.m. (ET)
Friday, 8 a.m. to 5 p.m. (ET)

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Little details that matter


  1. 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.