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

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

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

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