Cookie notice: We use first- and third-party cookies to customize content and advertising, to collect anonymous web traffic data to ensure our site is running smoothly, and to remember user choices, where it applies.

Fixed rate GIC at 5.00% for a 28-month term.
A plant blooming with coins.

FIXED-RATE GIC

Watch your savings bloom.

Attractive returns with a guaranteed principal and rates over a fixed period. With our GICs, you can look forward to greater consistency and stability as your investments grow and grow.

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.

4.25%

9-month term

4.90%

15-month term

5.00%

28-month 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.


2.00


3.25


4.25

4.65


4.90


4.60


5.00


4.35


4.35


4.25


4.25


4.25


Term

3 months

Annual % rate

Maturity % rate

6 months

Annual % rate

Maturity % rate

9 months

Annual % rate

Maturity % rate

1 year

Annual % rate

Maturity % rate

15 months

Annual % rate

Maturity % rate

2 years

Annual % rate

Maturity % rate

28 months

Annual % rate

Maturity % rate

3 years

Annual % rate

Maturity % rate

4 years

Annual % rate

Maturity % rate

5 years

Annual % rate

Maturity % rate

7 years

Annual % rate

Maturity % rate

10 years

Annual % rate

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.

A mother sits in front of a laptop with her grown daughter standing behind her. The daughter’s arms are wrapped around her mother’s shoulders. They look at the laptop while smiling.

Ready to invest?

Helpful tips and resources.

Your questions answered.