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
Long-Term
Market-linked GIC
Accelerator
24-Month Escalator
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
- Government guaranteed deposit insurance 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
- Available in non-registered form or in RRSP, RRIF, RESP and TFSA accounts
- 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 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 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
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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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