Couple High Fiving in Celebration of Investment Savings

Guaranteed Investment Certificate (GIC)

Get a competitive rate of return and government-guaranteed deposit insurance

When you invest in a GIC, your principal is secure and your interest in guaranteed for the term. You can hold term investments in non-registered form or in an RRSP, TFSA or RRIF.

Some types of term investments are eligible for RESPs too.

Select a GIC

Short-term Guaranteed Investment Certificates

Put your money somewhere safe if you think you might need it sooner than later.

  • Terms go from 30 to 364 days
  • Competitive rates offer guaranteed growth
  • Available in non-registered form or in a RRSP, RRIF and TFSA
  • Government guaranteed deposit insurance up to $250,000 for unregistered investments, unlimited on registered plans

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Long-term Guaranteed Investment Certificates

Build a foundation for your financial plans that may take some time.

  • Redeemable and non-redeemable terms from one to five years
  • Our laddering strategy maximizes returns and reduces sensitivity to changing interest rates
  • Available in non-registered form or in a RRSP, RRIF, RESP and TFSA
  • Government guaranteed deposit insurance up to $250,000 for unregistered investments, unlimited on registered plans

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Market-linked Guaranteed Investment Certificates

If you want higher returns but you don’t want to risk your principal.

  • Principal is 100% guaranteed at maturity
  • Can provide a higher return than a fixed-rate term investment
  • No monitoring needed
  • No fees to calculate or deduct from returns
  • Government guaranteed deposit insurance up to $250,000 for unregistered investments, unlimited on registered plans


Accelerator Guaranteed Investment Certificate

Watch your investment grow at a great rate with the option to redeem a portion before maturity.

  • Offers high interest rates in every year of the five-year term
  • Option to convert to a regular GIC in third and fourth year for remainder of the term (or longer)
  • Take advantage of rising rates by re-investing your deposit at a higher rate
  • Redeem up to 20% of the principal with no penalty, once a year
  • Government guaranteed deposit insurance up to $250,000 for unregistered investments, unlimited on registered plans
GIC SpecialsRate
15 Month
1.00

24-Month Escalator Guaranteed Investment

A smart way to save!

  • Two-year term, split into three, eight-month intervals – enjoy rising rates for the two-year period
  • Interest compounds every eight months – earn interest on your interest
  • Available in non-registered form or in RRSP, RRIF and TFSA accounts (excluding RESPs)
  • Deposit insurance: government-guaranteed up to $250,000 for unregistered investments; unlimited on registered plans

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