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Guaranteed Investment Certificates (GICs)

Invest with Peace of Mind

A Guaranteed Investment Certificate (GIC) is a secure investment that guarantees 100% of the original amount that you invested. Your investment earns interest, at either a fixed or a variable rate, or based on a pre-determined formula.

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GIC Selector

Use the GIC Selector to find the GIC that's right for you.

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	Save for an emergency
	Save for future purchase
	Receive interest income
	Growth

	$1,000 to $4,999
	$5,000 plus

	Yes
	No

	Less than 1 yr
	1 to 3 yrs
	More than 3 yrs



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GIC Categories

Guaranteed-Return GICs

Offer a fixed rate return for a specific term, with both principal and interest guaranteed.

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Guaranteed-Return GICs	Details
Non-Redeemable & Redeemable GICs	Offer a fixed rate of return for a specific term, with both principal and interest guaranteed.
One-Year Cashable GIC	Cashable at any time with interest paid if held for 30 days or longer.
RateAdvantage GIC^®	Guaranteed interest rate increases at each anniversary date.
Five-in-One GIC^®	Your principal is divided into five equal portions with maturities of one to five years.
Building Block GIC^®	Designed for you to automatically save regularly while earning the same guaranteed rate as you accumulate funds.
U.S. Dollar Term Deposits	Offers a fixed rate of interest for a specific term.

Interest Rate-Linked GIC

Benefit from any increase in Royal Bank Prime without having to adjust your investments.

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Interest Rate-Linked GIC	Details
Prime-Linked Cashable GIC^®	A cashable GIC whose interest rate is linked to the RBC Royal Bank Canadian prime interest rate. Interest is paid if held for 30 days or longer.

RBC Market Access GICs™

Offer the growth potential of equity markets with guaranteed principal protection.

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RBC Market Access GICs™	Details
Canadian Market-Linked GICs^®	Participate in the growth potential of the Canadian equity market with 100% principal protection.
Global Market-Linked GICs^®	Participate in the growth potential of major international equity markets with 100% principal protection.
RBC Canadian Dividend Fund-Linked GICs™	Participate in the returns of the RBC Canadian Dividend Fund with 100% principal protection.
RBC O'Shaughnessy International Equity Fund-Linked GICs™	Participate in the returns of the RBC O'Shaughnessy International Equity Fund with 100% principal protection.

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Tools and Calculators

Did You Know?

You can renew your GIC, update maturity instructions, or change your interest disbursement account using RBC Online Banking.

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Guaranteed Investment Certificates (GICs)

Invest with Peace of Mind

GIC Selector

GIC Categories

Guaranteed-Return GICs

Interest Rate-Linked GIC

RBC Market Access GICs™

Ready to Buy a GIC or Need Advice?

Tools and Calculators

Did You Know?

About RBC

Other Tools & Resources

GIC Interest Rates

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