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Guaranteed Investment Certificates (GICs)

Power your ideas with a guaranteed investment

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Want to learn more about GICs?

Read our step-by-step guide.


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What is a GIC?

You entrust a sum of money to the bank for a specific period of time—terms range from 30 days to 10 years.

Your investment earns you interest and the original amount (principal) is 100% protected.

Perfect if you are looking to:

  • Guarantee your original investment
  • Invest in a low-risk option
  • Get a guaranteed return on your investment
  • Take advantage of market potential

Choosing the right GIC

Fixed-rate GIC


Get a fixed rate of return for a specific term.

Why choose it
Get a guaranteed return on your investment.

Market-linked GIC


Interest is tied to the performance of stocks and stock market indices.

Why choose it
Leverage market potential.

Non-redeemable GIC


You can’t cash in your investment before the maturity date.

Why choose it
Enjoy a competitive interest rate.

Redeemable GIC


You can cash in your investment at any time.

Why choose it
Funds can be accessed as needed, although the interest rate is slightly lower than that of a non-redeemable GIC.