Security and Peace-of-mind

With Guaranteed Return GICs, your interest rate is guaranteed, so you don’t need to worry about any changes in the markets or the economy. With a number of different products, Guaranteed Return GICs offer a wide range of features and options, including:

Flexible terms

A Guaranteed Return GIC can be purchased for a term of as little as one day or up to 10 years.

Access to funds

Depending on the product you choose, you can cash in earlier than your maturity date. The One-Year Cashable GIC is cashable at any time with no penalty⁽¹⁾ while the Redeemable GIC is cashable at any time at a reduced interest rate. With the Cashable Rate Advantage GIC, you have full access to your money on each anniversary, while the Five-in-One GIC provides partial access to your funds on each anniversary date.

Different interest payment options

If you’re looking for a specific interest payment option, we likely have a GIC product that meets your needs, with interest payments available monthly, semi-annually, annually, or at maturity.

Escalating Rates

Looking for a product that has an interest rate that increases over the term of the product? Look no further than the Rate Advantage GIC.

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.

1) Cashable at any time with interest paid if held for 30 days or longer.