Non-redeemable GICs

Power your short- and long-term projects
 

At a glance

What is a Non-Redeemable GIC?

Get a fixed return on your investment and choose from a variety of terms depending on your investment horizon.

Perfect if you are looking to:

  • Earn interest at a competitive rate, risk-free
  • Choose from a number of terms (one month to five years)
  • Get a guaranteed return on your investment

Rate: Fixed

Minimum investment: $500 (RRSP, TFSA) or $1,000 (non-registered plan)

Access to funds: No

Investment horizon: 1 month to 5 years

Investment horizon image


Featured GICs

${p1.promoPastille | promo}

${p1.nomFamille}

Bonification

Enjoy a market-linked interest rate

$${p1.productCriteria.AMTRANGE.criteriaLowerValue}

Minimum investment

${p1.interet}

Interest


 

${p1.tauxTotal | percent:"true"}

Rate

${p1.productCriteria.TERMRANGE.criteriaNumericValue} months

Term

${p1.urlBoiteLogin|link:"Choose this GIC":"modal-token index-p1"}

${p1.promoPastille | promo}

${p1.nomFamille}

Bonification

Enjoy a market-linked interest rate

$${p1.productCriteria.AMTRANGE.criteriaLowerValue}

Minimum investment

${p1.interet}

Interest


 

${p1.tauxTotal | percent:"true"}

Rate

${p1.productCriteria.TERMRANGE.criteriaNumericValue} months

Term

${p1.urlBoiteLogin|link:"Choose this GIC":"modal-token index-p1"}

${p1.promoPastille | promo}

${p1.nomFamille}

Bonification

Enjoy a market-linked interest rate

$${p1.productCriteria.AMTRANGE.criteriaLowerValue}

Minimum investment

${p1.interet}

Interest


 

${p1.tauxTotal | percent:"true"}

Rate

${p1.productCriteria.TERMRANGE.criteriaNumericValue} months

Term

${p1.urlBoiteLogin|link:"Choose this GIC":"modal-token index-p1"}

GIC options

Select the term and interest type of your non-redeemable GIC. If you’re already a client, you can choose the plan in which to invest your GIC (TFSA, RRSP or non-registered account) in a second step. 

Term
Interest type
Term Minimum investment Rate Interest type Get this GIC
${productCriteria.TERMRANGE.criteriaNumericValue} month(s)
$${productCriteria.AMTRANGE.criteriaLowerValue} ${taux|percent:"true"} ${interet}

Choose this GIC

Our advisors can help you choose the GIC that's right for you.

Make an appointment
Magic wand tip icon

Tip

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

  • Minimum Investment of 500$
  • Offered in non registered and in all plans except the RESP
  • The GIC in the RRSP can be transferred to a RIFF
  • Offered under NBC, NATCAN, and TRUST subsidiaries
    • For online purchases of GIC, only the NBC option is available as subsidiary.

Deposit in bank account at maturity only for non-registered accounts.

  • For online purchase of GIC, only annual payment of interest is available.

Non-Redeemable Guaranteed Investment Certificate (GIC) and Non-Redeemable US dollars Guaranteed Investment Certificate (GIC) [PDF]

Explore our other savings and investment solutions

Managed solutions and investment funds

Trust our experts to manage your investments.

 

Check out our managed solutions and investment funds

Savings account

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

 

See savings account

See all our solutions

Ready to start saving?

Talk to an advisor for personalized advice or sign in to your online bank to invest.

Make an appointment

Sign in

Telephone icon
Picto of a question mark in a circle