Our best GIC offers
A hands-off investment with guaranteed returns.
Grow your money
Deposit your money for a set term and earn a predictable return at a competitive rate.
Sit back and relax
Your original investment amount (principal) and returns are fully guaranteed, so you don't need to worry about a fluctuating stock market.
Choose your own terms
This GIC is non-cashable during the investment term, so choose a term length that works for you—from 30 days to five years.
Frequently Asked Questions
Yes, you can. The Non-Redeemable GIC can be held as a joint investment between two or more co-signers.
Yes. You can hold a Non-Redeemable GIC within a government-registered investment plan (like a Tax-Free Savings Account (TFSA), a Registered Education Savings Plan (RESP), Registered Retirement Savings Plan (RRSP), or Registered Retirement Income Fund (RRIF)). You'll pay no income tax on the interest you earn within a TFSA; and the interest you earn within an RESP, RRSP or RRIF is tax-deferred, which means you pay income tax on it only when you withdraw it.
Based on the plan you're investing within, maximum investment amounts may apply.
Even though this is called a "non-redeemable" GIC, it can be redeemed in the event of the holder's death—even if the term hasn't ended.
Ready to get started?
There are enough risks in life without risking your hard-earned money. Secure and grow your money with a Non-Redeemable GIC.
Rates can depend on the term, interest frequency and investment option you select and are subject to change without notice.
*Rate subject to change without notice.
$100 for Generation Account holders. For all other investors, $1,000 for non-registered and $500 for registered investments.