Guaranteed Investment Certificates (GICs)

GICs offer a fixed rate of interest for a specific term, and both principal and interest payments are guaranteed.

  • Security and safety - All GICs are backed by the financial strength of their organizations.
  • Competitive interest rates - guaranteed for the full term of the investment
  • Flexible investment terms - ranging from 1 year to 5 years
  • Choice of interest payment frequencies
  • Bonus rates on certain dollar amount purchases
  • Choose from a selection of GIC companies
  • CDIC protection - opportunity to maximize CDIC coverage

GICs issued by non-affiliated GIC issuers.

GIC Rates - Partners

GUARANTEED INVESTMENT CERTIFICATES EFFECTIVE DATE: 2019/04/10
Term In Months: 12 24 36‑47
48 60
Montreal Trust - Minimum $5000.00 Deposit          
COMPOUND GICs          
RRSP/OPEN/TFSA 2.100 2.230 2.260 2.340 2.400
Term In Months: 12 24 36‑47
48 60
Bank of Montreal - Minimum $5000.00 Deposit          
COMPOUND GICs          
RRSP/OPEN/TFSA 2.220 2.240 2.280 2.350 2.460
Income GICs          
Annual 2.400 2.450 2.500 2.600 2.700
Semi-Annual 2.120 2.140 2.180 2.250 2.360
Monthly 2.070 2.090 2.130 2.200 2.310