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​Guaranteed Investment Certificates (GICs)

Competitive rates. Government guaranteed.

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

With Guaranteed Investment Certificates (GICs), your principal is secure and your interest is guaranteed for the term. 

You can hold all of our term investments in non-registered form or in RRSP, RRIF and TFSA plans. Some types of term investments are eligible for RESPs.

Select a GIC

Short-Term
Long-Term
Market Index GIC
Accelerator
Escalator

Short-term Guaranteed Investments

Put your money somewhere safe for a short time.

  • Short terms from 30 to 364 days
  • Competitive rates offer guaranteed growth
  • Available in non-registered form or in RRSP, RRIF and TFSA accounts
  • Deposit insurance: government-guaranteed up to $250,000 for unregistered investments; unlimited on registered plans

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Long-term Guaranteed Investments

Build a foundation for your long-term plans.

  • Redeemable and non-redeemable terms from one to five years
  • Our laddering strategy maximizes returns and reduces sensitivity to changing interest rates
  • Non-registered or RRSP, RRIF, TFSA and RESP options
  • Government-guaranteed deposit insurance protects you up to $250,000

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Market Index GIC

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

  • Rate of return based on major market performance over a three-year or five-year period
  • Equity investment that carries no fees or commissions
  • Diversified investment in Canadian corporations per the S&P/TSX 60 Index
  • 100% principal guarantee without the risk of direct investment in stocks or mutual funds​

Accelerator

Grow your investment at the maximum rate, with an option to redeem a portion before maturity

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

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Escalator*

Redeem in part or in full, every eight months over the 2-year term to meet your changing needs. 

  • Can be held as a registered or non-registered investment giving you options based on your goals
  • Interest compounds every eight months – earn interest on your interest!
  • Investments redeemed early will earn the prevailing rate up to the day of redemption 

*$1,000 minimum deposit required for non-registered investment and $500 for registered

​Speak with one of our Member consultants

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Financial planning 

Let our investment advisors guide you on the right path to your financial success. 

​TFSAs

Grow your savings tax-free with a Tax-Free Savings Account.  

RRSPs

Your retirement savings will grow tax-free with a Registered Retirement Savings Plan.