Guaranteed Investment Certificate

Make your money work for you with no risk of losing your investment.

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; you will earn a guaranteed rate of return for the term of your investment. You can choose to hold your GICs in a Registered Retirement Savings Plan (RRSP), Registered Retirement Income Fund (RRIF), or a Tax-Free Savings Account (TFSA).

Many people think that in order to invest they have to put money away for at least a year but we have many options to meet your needs.

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 to start investing

Long-Term GIC

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

Term: 1 - 5 years

Interest Rate: Fixed

Great for:

  • Earning higher rate of return on investments

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

  • Saving for a long term goal

  • More stability in your investment portfolio

U.S. Dollar GIC

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

Term: 30 days - 1 year

Interest Rate: Variable


  • 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

Benefits Of GICs

Safe and Secure

Your principal investment and interest are guaranteed.


Pick the term that works with your financial goals.

Higher Interest

GICs offer higher interest rates than a savings account.

Eligible for Registered Plans i.e. TFSA, RRSP, RDSP etc.

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Tax-Free Savings Accounts

Hold your GIC in a TFSA and watch it grow tax-free. Perfect for mid to long-term savings goals.

Retirement Savings Plan

It’s never too early or too late to start planning for retirement. Use GICs for low‑risk retirement savings growth.

Mutual Funds

Mutual funds and related financial planning services are offered through Credential Asset Management Inc. Online brokerage services are offered through Qtrade Direct Investing, a division of Credential Qtrade Securities Inc. Qtrade and Qtrade Direct Investing are trade names and trademarks of Aviso Wealth. Qtrade Guided Portfolios is a trade name of Credential Qtrade Securities Inc. Aviso Wealth Inc. ('Aviso') is a wholly owned subsidiary of Aviso Wealth LP, which in turn is owned 50% by Desjardins Financial Holding Inc. and 50% by a limited partnership owned by the five Provincial Credit Union Centrals and The CUMIS Group Limited. The following entities are subsidiaries of Aviso: Credential Qtrade Securities Inc. (including Credential Securities, Qtrade Direct Investing, Qtrade Advisor, Qtrade Guided Portfolios and Aviso Correspondent Partners), Credential Asset Management Inc., Credential Insurance Services Inc., Credential Financial Strategies Inc., and Northwest & Ethical Investments L.P.

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