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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You might be interested in these other savings solutions

Cash Advantage Solution

Ideal for those who want to enjoy increasing interest rate tiers while keeping their funds accessible.

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NBI Money Market Funds

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

Discover these funds

High Interest Savings Account

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

Discover this account

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

Featured GIC rates are subject to change at any time.