A GIC is an investment that offers a guaranteed rate of return over a specific period of time.

ATB GICs are unique because when you invest your money in an ATB GIC, your deposit—principal and interest—is 100% guaranteed by the Government of Alberta.

Safety and security features make GICs an attractive option for creating a balanced investment portfolio. Accessibility and guaranteed return make them appealing for your savings goals.

ATB traditional GICs

• Guarantee your principal investment 100%
• Pay a guaranteed return
• Can be purchased as part of a registered plan or on their own
• Require only a $1,000 initial investment (or $500 in a registered plan)
• Have a variety of investment terms and redemption options

Market-linked GICs (currently not available)

ATB market-linked GICs offer you the best of both worlds—guaranteed principal protection coupled with strong growth potential—all in one investment solution. That's because the interest rates of market-linked GICs are determined by the rate of growth of a specific basket of commodities and/or companies (based on the performance of stock markets, such as the TSX or S&P 500).

Features

• Have the potential to achieve significant returns based on the performance of the underlying basket of equities
• Guarantee your principal investment 100%
• Can be purchased as part of a registered plan or on their own
• Require only a $1,000 initial investment (or $500 in a registered plan)
• Have locked-in terms of 3 or 5 years