A hands-off investment with guaranteed returns.
Grow your money
Deposit your money for a set term and earn a predictable return at a competitive rate.
Sit back and relax
Your original investment amount (principal) and returns are fully guaranteed, so you don't need to worry about a fluctuating stock market.
Choose your own terms
This GIC is non-cashable during the investment term, so choose a term length that works for you—from 30 days to five years.
Special offer
Transfer an eligible registered account to ATB.
Transfer a registered account to get up to $10,000*. Talk to an everyday banking advisor to learn more and to choose the right investment for you.
How to invest in a GIC
Lock in guaranteed returns today. Find your situation below to get tailored advice, manage tax limits, or invest in a GIC online.
New to ATB
Come in and meet us to discuss your options, set up your account and lock in your rate.
ATB client buying a registered GIC
Talk by phone, video, or in branch so an ATB team member can confirm limits and account fit.
ATB client buying a non-registered GIC
Existing clients can now purchase all non-registered GICs online—securely and conveniently.
Frequently Asked Questions
Yes, you can. The Non-Redeemable GIC can be held as a joint investment between two or more co-signers.
Yes. You can hold a Non-Redeemable GIC within a government-registered investment plan (like a Tax-Free Savings Account (TFSA), a Registered Education Savings Plan (RESP), Registered Retirement Savings Plan (RRSP), or Registered Retirement Income Fund (RRIF)). You'll pay no income tax on the interest you earn within a TFSA; and the interest you earn within an RESP, RRSP or RRIF is tax-deferred, which means you pay income tax on it only when you withdraw it.
Based on the plan you're investing within, maximum investment amounts may apply.
Even though this is called a "non-redeemable" GIC, it can be redeemed in the event of the holder's death—even if the term hasn't ended.
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Rates can depend on the term, interest frequency and investment option you select and are subject to change without notice.
*Rate subject to change without notice.
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$100 for Generation Account holders. For all other investors, $1,000 for non-registered and $500 for registered investments.
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The ATB Financial FY27 Registered Deposit Offer (the “Offer”) runs from October 19, 2026, to March 1, 2027 (the “Offer Period”). By participating in this Offer, eligible clients can earn a one-time cash bonus ranging from $100 to $10,000 depending on the cumulative net value of external funds transferred into eligible ATB Daily Interest (DI) registered accounts during the Offer Period, subject to the conditions outlined below. Transfer requests must be formally initiated through ATB (via an ATB team member) between October 19, 2026, and March 1, 2027, and received by ATB no later than March 31, 2027, to qualify. Clients transferring funds into DI registered accounts may also allocate or move those funds into an eligible Guaranteed Investment Certificate (GIC) while remaining eligible for the Cash Bonus.
Eligibility Criteria
This Offer is open to Canadian residents who have reached the age of majority in Alberta and hold a new or existing eligible ATB Registered Daily Interest account. Eligible DI account types include Tax-Free Saver Account, Registered Retirement Savings Plan Daily Interest Account, First Home Savings Account and Locked In Retirement Account. RRSP Builder accounts are excluded from this Offer. This Offer is available exclusively to individual account holders; joint account ownership is strictly excluded for this Offer.
To qualify for a Cash Bonus, clients must transfer a minimum cumulative net amount of $10,000 (across up to four eligible DI accounts) in registered funds from one or multiple external financial institutions into up to four (4) eligible ATB DI account types during the Offer Period. Qualifying funds may be transferred into any combination of eligible ATB registered account types (TFSA, RRSP, FHSA, LIRA), regardless of the registered account type held at the transferring financial institutions. Internal transfers from existing ATB Financial, ATB Wealth, or ATB Daily Interest accounts are strictly excluded. Clients are solely responsible for monitoring their personal CRA contribution and transfer limits across all registered plans. ATB Financial assumes no responsibility or liability for any tax penalties or excess contribution charges incurred.
Qualifying Bonus Tiers
Cash bonuses are classified as a cash bonus (not interest income) and will not generate a T5 tax slip from ATB Financial. Bonuses are calculated based on the total cumulative net transfer-in amount aggregated across all eligible registered accounts per client during the qualification period:
- $10,000 to $19,999.99: $100 Cash Bonus
- $20,000 to $29,999.99: $200 Cash Bonus
- $30,000 to $39,999.99: $300 Cash Bonus
- $40,000 to $49,999.99: $400 Cash Bonus
- $50,000 to $74,999.99: $500 Cash Bonus
- $75,000 to $99,999.99: $750 Cash Bonus
- $100,000 to $149,999.99: $1,000 Cash Bonus
- $150,000 to $199,999.99: $1,500 Cash Bonus
- $200,000 to $349,999.99: $2,000 Cash Bonus
- $350,000 to $499,999.99: $3,500 Cash Bonus
- $500,000 to $749,999.99: $5,000 Cash Bonus
- $750,000 to $999,999.99: $7,500 Cash Bonus
- $1,000,000 or more: $10,000 Cash Bonus
Active Chequing Account Banking Requirements
To receive the Cash Bonus payout, qualifying clients must open or maintain any active ATB chequing account in good standing at the time of bonus distribution. Payouts will only be deposited into the following eligible chequing account types: ATB Advantage, Unlimited, Basic, Generation and No-Fee All-In Digital accounts.
Retention & Hold Period
All external funds transferred in to qualify for this Offer must remain in the eligible registered account(s) until February 29, 2028. The final Cash Bonus amount will be calculated based on the net cumulative value of eligible transferred funds remaining in the account through February 29, 2028 (total qualifying external transfers-in minus any withdrawals or external transfers-out made during the offer and retention period). If withdrawals reduce the cumulative net amount below $10,000, the client will be disqualified from receiving a Cash Bonus.
Transfer Fee Reimbursement Policy
ATB Financial will provide a flat $150 reimbursement per client for external transfer-out fees incurred at another financial institution on qualifying account transfers valued at $10,000 CAD or greater initiated during the Offer Period. Eligible transfers will be tracked and qualified.
Payout & General Terms
The Cash Bonus and any applicable $150 transfer fee reimbursement will be combined and will be credited directly to the client's active ATB chequing account as a single, one-time lump-sum payment between March 1, 2028, and March 31, 2028. Early payouts will not be issued prior to this set period. Limit of one (1) Cash Bonus payout per client, provided all qualification criteria conditions are met. Offer cannot be combined with any other promotional deposit or transfer offers unless explicitly authorized by ATB Financial. ATB Financial reserves the right, in its sole discretion, to cancel, terminate, modify, extend, or suspend this Offer, or amend these Terms & Conditions, in whole or in part, at any time without prior notice.