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FIXED-RATE GIC

Protect your investments.

Grow your investments securely with our fixed-rate Guaranteed Investment Certificates (GICs). Get attractive returns with a guaranteed principal and rates over a fixed period.

Book an appointment today. Or, call us at 1-844-329-6457.

Talk to an advisor

Or, call us at 1-844-329-6457.

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Not a customer yet?

For some of our products, you may need a Laurentian Bank account. If you don’t have one, you can check out our accounts.

An investment that pays off.

  • Worry-free investing.

    Both your return and initial investment are 100% guaranteed.

  • Predictable returns.

    Know exactly how much income you’ll earn with the choice of how to receive your payments.

  • Flexible terms.

    Available terms range from 90 days to 10 years.

Guaranteed returns await you.

Choose from our special rates.

5.00%

1-year term

5.00%

18-month term

4.50%

5-year term

Some conditions apply. Not cashable. Rates are subject to change.

Features

  • Minimum investment amount: $500

  • Cashable: No

  • Eligible for deposit insurance from the Canada Deposit Insurance Corporation (CDIC)

Short-term: less than 2 years

  • Simple interest: paid at maturity.

Medium and long-term: 2 to 10 years

  • Option of simple or compound interest.

  • Simple interest: paid annually.

  • Compound interest: compounded annually and paid at maturity.

All our GIC rates.

Some conditions apply. Non-redeemable. Rates are subject to change.

Term

3 months

Annual % rate


Maturity % rate

3.00

6 months

Annual % rate


Maturity % rate

3.50

9 months

Annual % rate


Maturity % rate

4.25

1 year

Annual % rate

5.00

Maturity % rate


18 months

Annual % rate

5.00

Maturity % rate


2 years

Annual % rate

4.90

Maturity % rate


3 years

Annual % rate

4.65

Maturity % rate


4 years

Annual % rate

4.45

Maturity % rate


5 years

Annual % rate

4.50

Maturity % rate


7 years

Annual % rate

4.25

Maturity % rate


10 years

Annual % rate

4.25

Maturity % rate


Registered or non-registered? You decide.

Registered

  • Eligible for registered plans such as TFSA, RRSP, RRIF, LIRA and LIF.
  • Interest income earned is tax-sheltered.

Non-registered

  • Interest income earned is taxable.
  • No contribution limits or age restrictions.

Select the plan type that meets your needs.

More information on all the available plans.

Helpful tips and resources.

Your questions answered.

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INDEXED GIC

Get the best of both worlds with ActionGICs.

It's about performance with peace of mind. Reap the rewards of market-linked returns with the comfort of knowing your principal is 100% guaranteed.