​Guaranteed Investment Certificates (GICs)

GIC Specials

Boost your savings with our GIC specials:

Short-term Guaranteed Investments

Put your money somewhere safe for a short time.

• Terms go from 30 to 364 days
• Competitive rates offer guaranteed growth
• Available in non-registered form or in RRSP, RRIF and TFSA accounts

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
• Available in non-registered form or in RRSP, RRIF, RESP and TFSA accounts

13-month FlexSavings Cashable GIC

Enjoy the peace of mind of a guaranteed return—with the freedom to cash out early if your plans change.

• Earn 3.25%*
• Fully cashable after 90 days, without penalty
• Available in non-registered form or in TFSA and FHSA accounts

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

Accelerator Guaranteed Investment Certficate

Grow your investment at the maximum rate, with an 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 on the 3rd and 4th anniversary dates of the term
• 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

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)