Which GIC should I choose?

Discover our GICs and choose the one that best fits your needs

Choose your GIC

Illustration of a piggy bank

Choose a GIC

Select the term and interest type of your GIC. If you’re already a client, you can choose the plan in which to place your GIC (TFSA, RRSP or non-registered account) in a second step. 

Which category ?
Term
What Interest type?
GIC Term Minimum investment Rate Interest type Get this GIC
${productName} ${productCriteria.TERMRANGE.criteriaNumericValue} month(s)
$${productCriteria.AMTRANGE.criteriaLowerValue} ${tauxTotal|percent:"true"}
${interet} Choose this GIC

How should I choose a GIC?

The best GIC is the one that best suits your financial situation and investment goals. Before choosing, consider different criteria such as initial investment, type of return, investment horizon, etc. To help you decide, here are the terms and conditions of the different types of GICs we offer.

Non-redeemable GICs

Take advantage of competitive fixed-rate interest rates and varied terms.

 
  • Fixed and guaranteed rates
  • Predictable performance
  • Superior rates compared to redeemable GICs

Redeemable GICs

Access your investment whenever you need cash.

 
  • Fixed and guaranteed rates
  • Predictable performance
  • Access to liquidity in case of unexpected events

Market-linked GIC

Benefit from a return linked to the growth potential of the markets.

 
  • Visibility on market-related growth potential
  • High-return potential
  • Guaranteed investment

USD GICs

Grow your savings using USD.

 
  • Direct investment of your USD investments in our U.S. accounts
  • Guaranteed returns

Our investment advice

Woman in a hammock surfing the Internet on a tablet
Man in a suit sitting at a desk looks at his phone
Man looking at papers in his kitchen

You might be interested in these other savings solutions

Cash Advantage Solution

Ideal for those who want to enjoy increasing interest rate tiers while keeping their funds accessible.

Discover this solution

NBI Money Market Funds

Ideal for short-term investments by using low-risk funds that are easily transferable.

Discover these funds

High Interest Savings Account

Ideal for putting money aside while also being able to immediately access your funds in case of unexpected events.  

Discover this account

Ready to start saving?

Contact us for personalized support or invest online by signing in.

Telephone icon

1-888-270-3941

Monday to Thursday,
8 a.m. to 6 p.m. (ET)
Friday, 8 a.m. to 5 p.m. (ET)

Picto of a question mark in a circle

Little details that matter

 

Interest is calculated on an annual basis. Your deposits in a Guaranteed Investment Certificate are insurable by the Canada Deposit Insurance Corporation (CDIC). Discover the protection offered by CDIC

Featured GIC rates are subject to change at any time.