GUARANTEED INVESTMENT CERTIFICATES (GICs)

INVEST
GICs

SAFE & SECURE

No need to worry about market shifts. Your initial investment is 100% guaranteed, and protected by deposit insurance.

GUARANTEED RETURN

Saving in one of our GICs ensures you’ll always make a great return on your investment.

FLEXIBLE TO FIT YOU

Not sure if you’ll need the funds? We have options that allow you to redeem before your GIC term ends.

SAVE YOUR WAY

From market-linked and escalator to fixed rate and redeemable, we have a GIC option to suit you.

GROW YOUR SAVINGS GUARANTEED

Fixed Rate GICs
Market-Linked GICs
Escalator GICs

FIXED RATE GICs

REDEEMABLE GIC

Enjoy guaranteed returns with the freedom to withdraw your funds at any time.

KEY FEATURES

No fees
Term lengths from 30 to 179 days, with a minimum initial investment of $5,000
Term lengths from 180 days to 5 years with a minimum initial investment of $1,000
No penalty for redeeming within 30 days or a penalty of 50% of the interest gained after that point
Guaranteed interest rate paid annually or semi-annually
Withdraw or reinvest your earnings at the end of the term

BOOK A CHAT

NON-REDEEMABLE GIC

Lock in your savings and watch them grow, with a great interest rate guaranteed.

KEY FEATURES

No fees
Term lengths from 1 to 5 years
Minimum initial investment of $1,000
Guaranteed interest rate paid annually or semi-annually
Withdraw or reinvest your earnings at the end of the term

APPLY NOW

MARKET-LINKED GIC – GLOBAL DIVERSIFIED

Want the security of a standard GIC, while earning more interest? This option’s for you. It uses the securities’ average price on three specific business days to avoid the pain of market fluctuations and help maximize your return.

KEY FEATURES

• Up to 12% interest (3.85% annual equivalent)

• 3-year term length

• Your principal investment is 100% guaranteed

• Offers the potential for significantly higher returns than standard GICs. Read our Market-Linked GIC Performance Report to learn more.

To apply, visit your local branch or call 1-866-413-7071.

ESCALATOR GIC

Invest your savings securely and watch your interest climb the longer you leave them.

KEY FEATURES

Term lengths from 3 to 5 years
Rates rise each year throughout your term
Choose between annual or compounding interest (RRSP and RRIF deposits are always compounding)
Redeem all or part of your investment each year on your anniversary date, or up to 7 days after without penalty