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​Guaranteed Investment Certificates (GICs)

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

With Guaranteed Investment Certificates, 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 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-linked GIC

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

  • Principal is 100% guaranteed at maturity
  • Market-linked GICs can provide a higher return than a fixed-rate term investment
  • No monitoring is needed
  • No fees to calculate or deduct from returns

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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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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​​Speak with one of our Member consultants

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RRSPs

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

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