Access Cash Anytime with a One-Year Cashable GIC

Competitive Returns Without a Long-Term Commitment

The One-Year Cashable GIC offers a competitive interest rate and maximum flexibility, without the need for a long-term commitment. It’s cashable at any time, and interest is paid right up to the date it’s cashed as long as you’ve held the investment for 30 days or more.

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If You Already Have an RBC Account You Can Purchase Now

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1-800-463-3863

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Is This GIC Right for You?

The One-Year Cashable GIC is an ideal investment alternative if you want to earn a guaranteed competitive return while maintaining maximum access to your funds.

Key Features

Minimum Investment: $1,000¹^,²
Terms: 1 year
Returns: The rate of return is fixed, and the principal is guaranteed.
Interest Payment Options:
- Monthly²
- Semi-annually
- At maturity
- At time of redemption if held 30 days or longer
Access to Funds: Fully or partially cashable at any time.³
CDIC Eligible: Yes²

Benefits

Competitive Interest Rates

Competitive interest rates without long-term commitment – one-year term.

Flexibility

Easy access to your money when you need it.

Security

Guaranteed rate of return

Penalty Free

Cashable in Full or in Part after 30 Days

No interest paid if cashed in the first 29 days
Interest is calculated on a daily basis for early redemption, if held a minimum of 30 days

Interest Rates

View Interest Rates

Rates for 24 April 2025

One-Year Cashable GIC

Interest Paid Semi-Annually

Term to Maturity	$1,000 to $99,999.99 [%]	$100,000 to $249,999.99 [%]	$250,000 to $999,999.99 [%]
1 year	2.000	2.000	2.000

Interest At Maturity

Term to Maturity	$1,000 to $99,999.99 [%]	$100,000 to $249,999.99 [%]	$250,000 to $999,999.99 [%]
1 year	2.000	2.000	2.000

Interest Paid Monthly

Term to Maturity	$5,000 to $99,999.99 [%]	$100,000 to $249,999.99 [%]	$250,000 to $999,999.99 [%]
1 year	1.875	1.875	1.875

Prior Redemption Rates

Elapsed Term	Redemption Rate [%]
1 to 29 days	0.000

Notes

Interest rates are subject to change without notice at any time.
Rates shown are calculated on a per annum basis.
To purchase these GICs, Sign in to Online Banking, call 1-800-769-2599 or visit an RBC Royal Bank branch. You can find the location and phone number of the nearest RBC Royal Bank branch by using our Branch Locator. Please call and arrange to have one of our investment specialists meet with you at your convenience.

Ready to Get Started?

Call our 24/7 Business Helpline

1-800-463-3863

Locate a Branch Near You

Find a Branch

One-Year Cashable GIC

Competitive Returns Without a Long-Term Commitment

Ready to Get Started?

Is This GIC Right for You?

Key Features

Benefits

Competitive Interest Rates

Flexibility

Security

Penalty Free

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

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