Which GIC should I choose?

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

Choose your GIC

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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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Choose from our range of GICs

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.

Redeemable GICs

Access your investment whenever you need cash.

 
  • Fixed and guaranteed rates
  • Predictable performance
  • Access to liquidity in case of unexpected events

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

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

Our investment advice

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Market-linked guaranteed investment certificates (MLGIC)

Enjoy returns linked to market growth potential while protecting your initial capital and retaining flexibility to withdraw your funds.

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Ready to start saving?

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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. 

1. Direct investment of your USD investments in our U.S. accounts.

Featured GIC rates are subject to change at any time.