Guaranteed Investment Certificates (GICs)
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-linked GIC
Accelerator
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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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.
RRSPs
Your retirement savings will grow tax-free with a Registered Retirement Savings Plan.