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Wealth Management

Non-Redeemable Irregular Term GIC

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At a glance

What is the Non-Redeemable Irregular Term GIC?

With the Non-Redeemable Irregular Term GIC, you get great interest rates and choose from a number of terms.

Perfect if you're looking to:

  • Get special rates
  • Protect your investment
  • Choose a term from 14 to 58 months
  • Get a guaranteed return on your investment

Rate: Fixed

Minimum investment: $1,000

Access to funds: No

Investment horizon: 14 to 58 months

Investment horizon image

GIC options

Decide whether you want a registered or non-registered GIC, then select a term and interest type.

Where do you want to invest
Term (in months)
Interest type
Term Plan Minimum investment Rate Interest type Get this GIC
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Looking to cash in a portion of your investment each year and take advantage of higher interest rates? Learn about the GIC laddering strategy.

Little details that matter

Non-registered plan

Interest payment options

  • Monthly: calculated and payable based on the date the investment was issued ($1,000 minimum).
  • Twice a year: calculated and payable based on the date the investment was issued ($1,000 minimum).
  • Annually: calculated and payable based on the date the investment was issued, or compounded annually based on the date the investment was issued and payable at maturity.

For GICs purchased online, interest will only be paid annually.

Access to funds

Cannot be cashed in before maturity.

Posted rates are for annual interest calculations. For monthly interest, the rate is reduced by 0.125%. For quarterly interest, the rate is reduced by 0.05%.


Interest payments

Compounded annually on the investment date and payable at maturity.


Can be transferred from an RRSP to an RRIF.

Access to funds

Cannot be cashed in before maturity.

Posted rates are for interest payable at maturity (compounded annually).

Additional information

Fixed interest rate for the entire term. Interest is calculated annually.

Automatic renewal: Unless otherwise instructed, we will automatically renew your GIC at maturity for the same amount (principal and interest) and term at the prevailing rate. You will have 10 business days after the new GIC is issued to cancel the renewal.

National Bank is a member of the Canada Deposit Insurance Corporation (CDIC).

For information on fees related to RRSPs, refer to our brochure: Fees – Your Guide to Personal Banking Solutions [PDF], under "Registered Plans."

For information on our rate increase or new fee notification procedure, refer to our brochure: Fees – General Information and Agreement [PDF], under "Notice of Changes to Fees Listed in Your Guide to Personal Banking Solutions."

For information on the procedure for submitting claims regarding RRSP product fees, click here.

To invest online, you need to have a bank account with National Bank. Don't have an account? Contact a National Bank branch.


Another great option



Pair the security of a GIC with the growth potential of the stock markets


Minimum investment

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Guaranteed interested at maturity



Maximum interest at maturity



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