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 years2
  • Returns:
    • Guaranteed principal and interest rate3
  • Interest Payment Options4:
    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: Yes2

Benefits

Security and Safety

Both the original investment and interest payments are guaranteed.

Competitive Interest Rates

Guaranteed for the full term of the investment3
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

Ready to Get Started?

Call our 24/7 Business Helpline
1-800-463-3863
Locate a Branch Near You
Find a Branch
If You Already Have an RBC Account You Can Purchase Now
Sign in to Online Banking