Guaranteed Investment Certificates (GICs)

Available in Canadian and U.S. dollars, GICs are secure investments that protect your principal while offering attractive interest rates that are guaranteed for your chosen term.

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Protect and grow your investment

Guaranteed investment certificates

GICs are secure investments with a guaranteed return and terms ranging from one month to five years. National Bank of Canada is a member of the Canada Deposit Insurance Corporation.¹

The advantages of a GIC

Principal is fully protected
Fixed interest rate for the entire term (you know the final return in advance)

Choose a GIC

Non-redeemable GICs

Special promotional rates on these GICs make them a very attractive investment. You can choose from several set investment terms.

What we offer

Terms ranging from 30 days to 5 years
Higher interest rates than for our redeemable GICs with the same term
Your investment is fully protected up to $100,000¹
No redemptions allowed before maturity
Available only to our business clients²
The funds invested in a GIC cannot originate from a Business Investment Account

Term of less than 1 year

Minimum investment: $500

Interest: Payable at maturity

Term of 1 to 5 years

Minimum investment: $500

Simple interest: Choice of monthly, semi-annual or annual payments

Redeemable GICs

This is the ideal product if you expect to need cash but don't know exactly when.

What we offer³

Funds can be accessed any time in case of unforeseen events, subject to a penalty based on the term elapsed
Partial redemption allowed
Your investment is fully protected up to $100,000¹

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¹ Guaranteed investment certificates held in a business account are covered by the Canada Deposit Insurance Corporation (CDIC). Find out more about the coverage offered by CDIC.

² Clients in the education, health and municipal sectors and public or Crown corporations should contact their Account Manager for more information concerning these investments.

³ The redemption conditions are as follows:

Redemption allowed subject to a penalty based on the redemption table on the rates bulletin (F.12074)
Redeemable before maturity at a reduced interest rate
No interest if cashed within 30 days of the issue date

Non-registered