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  1. Business
  2. Investing
  3. Guaranteed Investment Certificate (GIC)
Guaranteed Investment Certificate (GIC)
Feel confident knowing your money is working for you with a guaranteed rate of return.
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What is a GIC?

A Guaranteed Investment Certificate (GIC) or term deposit is a low-risk investment that guarantees the return of your initial investment.

GICs have a number of benefits, including:

  • Safe and Secure - Your principle investment and interest are guaranteed.

  • Convenient - Choose the term that works with your financial goals.

  • Higher Interest - GICs offer higher interest rates than a savings account.

  • Eligible for Registered Plans


Depending on your business investment needs, you can choose from a variety of long and short-term GICs.

Short-Term GIC

Don’t have money to put away for a long time? Try a Short Term GIC.

Term: 30 - 270 Days

Interest Rate: Fixed

Great for:

  • Saving for a large purchase

  • Maintaining some liquidity in a portfolio

  • Looking to invest, but need access to cash sooner than later

  • Paying off multiple debts, but looking start investing

See Rates

Long-Term GIC

The longer the term, the higher the rate of return.

Term: 1 - 5 years

Interest Rate: Fixed

Great for:

  • Earning a higher rate of return on investments

  • If you are comfortable locking in for a longer period of time

  • Saving for a long term goal

  • More stability in your investment portfolio

See Rates

U.S. Dollar GIC

Maximize your U.S. funds with a guaranteed rate of interest.

Term: 30 days - 1 year

Interest Rate: Variable

Features:

  • Choose conveniently from 30, 60, 90, or 180 days*

  • Interest is paid at the end of the term

  • Interest is paid in U.S. funds

*with a minimum investment of $5000 USD; or $500 USD for 1 year

See Rates

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