Get a fixed return on your investment and choose from a variety of terms depending on your investment horizon.
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Bonification
Enjoy a market-linked interest rate
Minimum investment
Interest
Rate
Term
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Bonification
Enjoy a market-linked interest rate
Minimum investment
Interest
Rate
Term
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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.
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Our advisors can help you choose the GIC that's right for you.
Looking to cash in a portion of your investment each year and take advantage of higher interest rates? Learn about the GIC laddering strategy.
Non-registered plan
Interest payment options
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%.
RRSP
Interest payment options
Transferability
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).
TFSA
Interest payments
Interest paid annually and at maturity.
Transferability
Cannot be transferred.
Additional information
Fixed interest rate for the entire term. Interest is calculated annually.
Automatic renewal for RRSPs and non-registered GICs: 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.
For information on fees related to RRSPs and TFSAs, refer to our brochure: Fees – Your Guide to Personal Banking Solutions [PDF], under "Registered Plans."
National Bank is a member of the Canada Deposit Insurance Corporation (CDIC).
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 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.
Legal Disclaimers
The rate offered for bonus rate GICs does not automatically apply to GIC renewals. Upon renewal, the then current rate applicable to your product will apply.
Trust our experts to manage your investments.
Talk to an advisor for personalized advice or sign in to your online bank to invest.
