Protect and Grow Your Money with this Special Rate
Save towards your goals with a guaranteed investment certificate (GIC) and feel confident knowing that your original investment is protected.
For a limited time, get 4.25% interest when you purchase a new 3-year Non-Redeemable GIC. Your special rate is locked for the full 3-year term. Plus, enjoy personalized advice from an RBC advisor to help you reach your goals.
Earn 4.25%
Interest
Millions of Canadians have trusted RBC to safeguard over $145 billion in GICs in the past year3.
Offer FAQs
Yes! You can buy as many 3-year Non-Redeemable GICs as you want within the promotional period and you will earn 4.25% interest.
Interest payments can be made monthly, semi-annually, annually or at maturity. The choice is yours. However, entire bonus interest earned will be forfeited if the GIC is redeemed prior to maturity.
Yes! Our 3-year Non-Redeemable GIC can be held in registered plans such as an FHSA, RRSP or TFSA or purchased as a non-registered investment.
Our 3-year Non-Redeemable GIC may be ideal if you:
- Want to invest for three years at a fixed rate
- Are looking to choose from a variety of investment options and interest payment frequencies
- Prefer to avoid interest rate swings
If you’re not sure what’s right for you, an RBC advisor can help you choose an investment solution that meets your needs.
For a Limited Time, Earn 4.25% Interest
When you buy a 3-year Non-Redeemable GIC.1
Offer expires September 4, 2024.
I’m Ready to Invest:
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Call 1-866-580-0391
Registered trademarks of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
To participate in this offer and receive the 4.25% Promotional Interest Rate on a new 3-Year Non-Redeemable GIC, you must:
- Be a resident of Canada and of the age of majority in the province or territory in which you reside
- Be the Primary Owner on a new personal 3-Year Non-Redeemable Guaranteed Investment Certificate (“GIC”) purchased between August 7, 2024 and September 4, 2024 from RBC or such further time as we may determine in our sole discretion; (“Qualifying Period”). Auto-renewed GICs are ineligible for this offer.
- Make a minimum investment of $500 for a GIC purchased in a registered investment and $1,000 for a non-registered GIC up to $1,000,000 in your Eligible GIC; and,
- Maintain the GIC until its maturity (36 months from the date the 3-Year Non-Redeemable GIC is purchased).
Offer applicable to personal GICs in Canadian dollars only and includes new purchases of GICs held in registered and non-registered plans/accounts. (Offer not available for GICs in U.S. dollars.)
Offer may be changed or withdrawn at any time without notice and cannot be combined with other promotional rate offers. Offer subject to a minimum investment of $500 for GICs purchased in a registered investment and $1,000 for a non-registered GIC up to $1,000,000 in your Eligible GIC. Interest rates shown at time of purchase are calculated on a per annum basis and may vary depending on the principal investment amount selected. Interest will be paid monthly, semi-annually or at maturity (compounded annually), depending on the interest payment option selected. GIC must be held to maturity to receive the Promotional Interest Rate. View full Terms and Conditions
GICs are products of Royal Bank of Canada and some affiliates. Additional product terms and conditions apply and will be presented at the time of purchase. For more information on RBC GICs, visit an RBC Royal Bank branch, call 1-800-463-3863, or go online to rbcroyalbank.com/gic
Principal is 100% guaranteed when held to maturity and your investment is CDIC-insured for up to $100,000. Find out more: Canada Deposit Insurance Corporation - RBC (rbcroyalbank.com).
Source: OFSI (Regulated Domestic Banks), September 2023