Enjoy safe investing

Guaranteed Investment Certificate (GIC)

Discover guaranteed returns with a GIC. It’s one of the safest investment options around. 

Join the 57,000+ members who bank digitally with us!

Enjoy safe investing

Discover the benefits!

  • Keep your money safe
  • Enjoy flexible options
  • Pay no monthly fees
  • Earn cash dividends

Achieve your savings goals!



Invest safely

Unlike other forms of investments, a GIC guarantees your full investment which is very rare. 

Choose from many options

Our GICs are designed to fit your needs. Select the one that’s right for you:

  • Redeemable options: access your money without penalty
  • Non-redeemable options: earn more interest
  • 1 to 5-year term options
  • Convertible options: switch your investment to a higher rate if the market changes
  • Laddering options: access your money AND earn more. It’s a win-win!

Enjoy free banking

There’s no charge for investing in a GIC. And you’ll always have free access to friendly advisors who can help you reach your savings goals.

Earn cash for everyday banking

With our Member Rewards program, you’ll earn cash dividends by having your GIC with us. The more you bank with us, the more you benefit!




Questions?

GICs are available to any Canadian resident age 18 and older with a Social Insurance Number.

The initial deposit must be $1,000 or more. 

Your initial investment is split equally into 1-year, 2-year, 3-year, 4-year, and 5-year investments. You’ll be able to access your shorter-term investments should you need the money while your longer-term investments earn you more interest. It combines the benefit of access to cash without penalty and getting the most interest on your investment.


Enjoy easy, safe investing

Get peace of mind that your money is protected while earning interest at a great rate. 


Need more help choosing the right savings product?

Try our Savings Selector.