GICs
A Guaranteed Investment Certificate (GIC) offers 100% principal protection, guaranteed returns, and registered or non-registered options.
Limited time offer
Grow Alberta GIC: 3.70%
Invest in Alberta with an 18 month non-registered or RRSP GIC and a special interest rate of 3.70%.
Three choices to help you select your GIC
Choose registered vs. non-registered
Use registered accounts like a TFSA, RRSP, or FHSA for tax-sheltered goal savings. Pick a non-registered account for unlimited contribution room and total flexibility across your portfolio.
Pick non-redeemable or redeemable
Choose non-redeemable if you will not touch the money and want higher earnings. Choose redeemable or cashable if you might need early access, even if it means earning less interest.
Select your term length
Match your investment timeframe to your savings goals. Available terms vary by the type of GIC you choose, typically ranging from as short as 30 days up to 5 years.
Compare our GICs and CIC
Rates are variable and dependent on the term and registered investment plan you select. Rates are subject to change without advance notice.
$100 for Generation Account holders. For all other investors, $1,000 for non-registered and $500 for registered investments.
Grow Alberta GIC rate applies to a 18 month promotional non-redeemable GIC. The offer is available on non-registered GICs and RRSP GICs only. Offer not available on TFSA, FHSA or RRIF products. Rate subject to change without notice. Minimum investment amounts apply. Related documents: ATB Financial Personal Account Agreement (PDF), Additional Services and Associated Charges (PDF)
Related documents: ATB Financial Personal Account Agreement (PDF), Additional Services and Associated Charges (PDF)
Rates are variable and dependent on the term and interest frequency you select. Rates are subject to change without advance notice.
$100 for Generation Account holders, $1,000 for non-registered products.
Related documents: ATB Financial Personal Account Agreement (PDF), Additional Services & Associated Charges (PDF).
There are currently no service fees or charges payable to ATB Financial for the operation of the Account or for conducting any transactions. However, fees may be payable to your Dealer. ATB Financial may impose fees in the future on the Account, but you will be provided with notice prior to fees being added or changed. You will be required to pay taxes on withdrawals not used for the purchase of your first home. Any such fees and any taxes, interest or penalties payable by you may be deducted from your funds in the Account. Redeem your GIC at any time with no fees or penalties time into your FHSA Daily Interest Account. Note, you will be required to pay taxes on withdrawals from your FHSA Daily Interest Account not used for the purchase of your first home. Any such fees and any taxes, interest or penalties payable by you may be deducted from your funds in the Account. Related documents: Little Book of FHSA (PDF)
$100 for Generation Account holders. For all other investors, when purchasing a non-registered investment, $500 for terms 1-year or greater and $1,000 for terms less than 1-year; $500 when purchasing a registered investment.
Springboard GIC is a registered trademark of ATB Financial. Related documents: ATB Financial Personal Account Agreement (PDF), Additional Services and Associated Charges (PDF)
The interest earned is based on the length of time your funds remain in the GIC.
$100 for Generation Account holders. For all other investors, $500 for terms 1 year or longer and $1,000 for terms less than 1 year.
Rates are subject to change without notice.
What our GICs have to offer
No uncertainty
Enjoy guaranteed returns without the stress of market fluctuations. Your money stays safe, secure, and aligned with your savings goals.
See GIC rates
Tax-smart investing
Registered accounts offer special tax breaks from the government. Holding your GIC in a registered account, such as an RRSP, FHSA or TFSA helps you hold onto more of your return.
GICs by registered account
ATB Deposit Guarantee
With ATB Financial’s Deposit Guarantee, all deposits are fully guaranteed by the Province of Alberta.
Your GIC, your moves
Pick the term, payout frequency and accessibility option that works best for you, or try a laddering strategy to get higher rates on longer terms while keeping regular access to cash.
Easy online access
Track your balance, rate, and maturity date in ATB Personal. If your savings goals change, update your renewal instructions online before your term ends.
How to choose a GIC
| Considerations | Non-redeemable GIC | Redeemable GIC | Cashable GIC |
|---|---|---|---|
| Best for you if | You want to maximize growth on funds you do not need to access. | You solid returns with the option for early withdrawal. | You want complete peace of mind with full, penalty-free access to funds. |
| Access to funds | No access. | Yes, usually accessible at any time. | Yes, but usually only after a waiting period (e.g., 30 to 90 days). |
| How do I earn interest? | Fixed rate paid out regularly or at maturity. | Full rate at maturity; reduced rate if withdrawn early. | No interest under 30 days; rates increase in tiers the longer you stay invested. |
| Term length options | 30 days to 5 years | 30 days to 5 years | 1 to 5 years (GIC dependent) |
| Available GICs |
Non-redeemable GIC Grow Alberta GIC US Dollar Non-redeemable GIC |
Redeemable GIC Springboard GIC First Home Savings GIC US Dollar Redeemable GIC |
Personal Cashable GIC |
We are here to help you choose.
Meet with an everyday banking specialist to review your goals and what investments make the most sense for you.
Explore GICs by registered account or plan
Frequently asked questions
A GIC is a secure investment that offers higher, guaranteed interest than an everyday savings account. Backed by 100% principal protection, it gives you the flexibility to choose the terms and rates that fit your timeline—whether held in a registered plan like a TFSA or RRSP, or a non-registered account—so you can sit back and let time do the heavy lifting.
Read our article: Is a GIC right for you?
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Rates are variable and dependent on the term and registered investment plan you select. Rates are subject to change without advance notice.
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$100 for Generation Account holders. For all other investors, $1,000 for non-registered and $500 for registered investments.
-
Rates are variable and dependent on the term and interest frequency you select. Rates are subject to change without advance notice.
-
$100 for Generation Account holders, $1,000 for non-registered products.
-
There are currently no service fees or charges payable to ATB Financial for the operation of the Account or for conducting any transactions. However, fees may be payable to your Dealer. ATB Financial may impose fees in the future on the Account, but you will be provided with notice prior to fees being added or changed. You will be required to pay taxes on withdrawals not used for the purchase of your first home. Any such fees and any taxes, interest or penalties payable by you may be deducted from your funds in the Account. Redeem your GIC at any time with no fees or penalties time into your FHSA Daily Interest Account. Note, you will be required to pay taxes on withdrawals from your FHSA Daily Interest Account not used for the purchase of your first home. Any such fees and any taxes, interest or penalties payable by you may be deducted from your funds in the Account. Related documents: Little Book of FHSA (PDF)
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$100 for Generation Account holders. For all other investors, when purchasing a non-registered investment, $500 for terms 1-year or greater and $1,000 for terms less than 1-year; $500 when purchasing a registered investment.
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The interest earned is based on the length of time your funds remain in the GIC.
-
$100 for Generation Account holders. For all other investors, $500 for terms 1 year or longer and $1,000 for terms less than 1 year.
-
Grow Alberta GIC rate applies to a 18 month promotional non-redeemable GIC. The offer is available on non-registered GICs and RRSP GICs only. Offer not available on TFSA, FHSA or RRIF products. Rate subject to change without notice. Minimum investment amounts apply. Related documents: ATB Financial Personal Account Agreement (PDF), Additional Services and Associated Charges (PDF)
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Springboard GIC is a registered trademark of ATB Financial. Related documents: ATB Financial Personal Account Agreement (PDF), Additional Services and Associated Charges (PDF)
Rates are subject to change without notice.
Rates are subject to change without notice.