Which GIC should I choose?

Discover our GICs and choose the one that best fits your needs

Choose your GIC

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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

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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Our investment advice

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Explore our other savings and investment solutions

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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.

Managed solutions and investment funds

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Savings account

Great for short-term saving—access your funds at any time.

Explore the High Interest Savings Account

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


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.