Non-Redeemable and Redeemable GICs

Investing Without the Risk

Non-Redeemable and Redeemable GICs offer a fixed rate of return for a specific term, with both principal and interest guaranteed.

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Is This GIC Right for You?

This GIC may be an appropriate choice if you are looking to:

Invest for a specific term at a guaranteed rate without risk
Have a choice of a wide variety of investment terms and interest payment frequencies
Minimize the impact of interest rate swings and tailor your investments to your personal needs

Key Features

Minimum Investment:
- $1,000¹
- $5,000 (for terms between 30 – 364 days)
- $100,000 (for less than 30 days)
Terms:
- 1 to 364 days
- 1 - 5, 7 or 10 years
Returns:
- Guaranteed principal and interest rate²
Interest Payment Options³:
Terms less than one year are payable:
- At maturity
Terms greater than or equal to one year are payable:
- Monthly¹
- Semi-annually
- Annually
- At maturity (interest compounded annually)
Access to Funds:
- Non-redeemable GIC – No
- Redeemable GIC – Yes, at a reduced rate
CDIC Eligible: Yes

Benefits

Security and Safety

Both the original investment and interest payments are guaranteed.

Competitive Interest Rates

Guaranteed for the full term of the investment²
View today’s rates: Redeemable and Non-Redeemable

Flexibility

Choice of terms, interest payment options, and plan eligibility.

Interest Rates

View today’s rates: Redeemable and Non-Redeemable

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1-800-463-3863

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Term to Maturity	$5,000 to $99,999.99 [%]	$100,000 to $249,999.99 [%]	$250,000 to $999,999.99 [%]	$1,000,000 to $4,999,999.99+ [%]
1 to 29 days	n/a¹	0.250	0.250	0.250
30 to 59 days	1.900	1.900	1.900	1.900
60 to 89 days	2.100	2.100	2.100	2.100
90 to 179 days	2.150	2.150	2.150	2.150
180 to 269 days	2.150	2.150	2.150	2.150
270 to 364 days	2.150	2.150	2.150	2.150

Term to Maturity	$500 to $99,999.99 [%]	$100,000 to $249,999.99 [%]	$250,000 to $999,999.99 [%]	$1,000,000 to $4,999,999.99+ [%]
1 to 1.5 years less a day	2.350	2.350	2.350	2.350
1.5 to 2 years less a day	2.400	2.400	2.400	2.400
2 to 2.5 years less a day	2.450	2.450	2.450	2.450
2.5 to 3 years less a day	2.450	2.450	2.450	2.450
3 to 3.5 years less a day	2.450	2.450	2.450	2.450
3.5 to 4 years less a day	2.450	2.450	2.450	2.450
4 to 4.5 years less a day	2.600	2.600	2.600	2.600
4.5 to 5 years less a day	2.600	2.600	2.600	2.600
5 years	2.650	2.650	2.650	2.650
7 years	2.900	2.900	2.900	2.900
10 years	2.900	2.900	2.900	2.900

Term to Maturity	$1,000 to $99,999.99 [%]	$100,000 to $249,999.99 [%]	$250,000 to $999,999.99 [%]	$1,000,000 to $4,999,999.99+ [%]
1 to 1.5 years less a day	2.350	2.350	2.350	2.350
1.5 to 2 years less a day	2.400	2.400	2.400	2.400
2 to 2.5 years less a day	2.450	2.450	2.450	2.450
2.5 to 3 years less a day	2.450	2.450	2.450	2.450
3 to 3.5 years less a day	2.450	2.450	2.450	2.450
3.5 to 4 years less a day	2.450	2.450	2.450	2.450
4 to 4.5 years less a day	2.600	2.600	2.600	2.600
4.5 to 5 years less a day	2.600	2.600	2.600	2.600
5 years	2.650	2.650	2.650	2.650
7 years	2.900	2.900	2.900	2.900
10 years	2.900	2.900	2.900	2.900

Term to Maturity	$5,000 to $99,999.99 [%]	$100,000 to $249,999.99 [%]	$250,000 to $999,999.99 [%]	$1,000,000 to $4,999,999.99+ [%]
1 to 1.5 years less a day	2.225	2.225	2.225	2.225
1.5 to 2 years less a day	2.275	2.275	2.275	2.275
2 to 2.5 years less a day	2.325	2.325	2.325	2.325
2.5 to 3 years less a day	2.325	2.325	2.325	2.325
3 to 3.5 years less a day	2.325	2.325	2.325	2.325
3.5 to 4 years less a day	2.325	2.325	2.325	2.325
4 to 4.5 years less a day	2.475	2.475	2.475	2.475
4.5 to 5 years less a day	2.475	2.475	2.475	2.475
5 years	2.525	2.525	2.525	2.525
7 years	2.775	2.775	2.775	2.775
10 years	2.775	2.775	2.775	2.775

Elapsed Term	Redemption Rate [%]
1 to 29 days	0.000
30 to 59 days	0.750
60 to 179 days	1.000
180 to 364 days	1.500
1 to 2 years less a day	0.050
2 to 3 years less a day	0.100
3 to 4 years less a day	0.150
4 to 5 years less a day	0.250
5 years and greater	0.500

Non-Redeemable and Redeemable GICs

Investing Without the Risk

Ready to Get Started?

Is This GIC Right for You?

Key Features

Benefits

Security and Safety

Competitive Interest Rates

Flexibility

Interest Rates

Ready to Get Started?

Call our 24/7 Business Helpline

Locate a Branch Near You

If You Already Have an RBC Account You Can Purchase Now

You Might Also Be Interested In:

Resources

Non-Redeemable and Redeemable GICs

Investing Without the Risk

Ready to Get Started?

Is This GIC Right for You?

Key Features

Benefits

Security and Safety

Competitive Interest Rates

Flexibility

Interest Rates

Ready to Get Started?

Call our 24/7 Business Helpline

Locate a Branch Near You

If You Already Have an RBC Account You Can Purchase Now

You Might Also Be Interested In:

Resources

Redeemable GIC

Interest Paid at Maturity

Interest Paid Semi-Annually

Interest Paid Annually

Interest Paid Monthly

Prior Redemption Rates

Notes

Non-Redeemable GIC

Interest Paid at Maturity

Interest Paid Semi-Annually

Interest Paid Annually

Compounded Annually and Paid at Maturity

Interest Paid Monthly

Notes