A fully redeemable investment with guaranteed returns.
Grow your money
Deposit your money for a set period of time and earn a predictable return—it's investing with less risk.
Rest assured
Your original investment amount (principal) and returns are fully guaranteed, so you don't need to worry about a fluctuating stock market.
Have easy access
Withdraw money at any time with no penalty. Withdrawals made before the end of your term may reduce the rate of return on your investment.
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 Redeemable GIC can be held as a joint investment between two or more co-signers.
No, but you can invest in a Tax Free Savings Account, which offers similar ease of access to funds.
When you cash a GIC, you get your principal back along with interest earned at the GIC's standard rate. That means that if you have a GIC designed to be 'cashable' before the end of its term, your principal earns full interest for as long as the money remains in your GIC for the required term.
Some cashable GICs have restrictions on specific portions of your term during which you can access your funds at the full rate of return.
When you have a GIC designed to be 'redeemable' before the end of its term, you can still get your full principal back, but with interest earned at a lower rate than if you left your principal in the GIC for the full term.
Redeemable GICs are typically redeemable in any point—though how soon you redeem your principal may affect how much interest you earn.
Yes. Your original investment must be a minimum of $500 on terms 1 year or greater, or $1,000 on terms less than 1 year.
Find the retirement investments that work for you.
Save and earn
RRSP Daily Interest Account
This account is an easy and affordable way to save for retirement by making regular contributions with tax deferral benefits.
Invest for a fixed term
Non-Redeemable GIC
Feel secure knowing your returns are guaranteed. With available terms from 30 days to 5 years, select one that's right for your retirement goals.
Available for a limited time
Grow Alberta GIC
Choose peace of mind in times of economic uncertainty. Get solid returns and boost Alberta's economy at the same time with ATB’s Grow Alberta GIC.
Invest with access
Redeemable GIC
A guaranteed investment certificate with an option to redeem before your term ends. Within an RRSP, your retirement savings grow tax-free.
Invest by year
Springboard GIC®
A GIC with flexible terms and reliable returns. Redeemable annually—invest within an RRSP or TFSA to grow your savings tax-free.
Invest for sure and steady growth
Compass™ Balanced Growth Portfolio
Weather market fluctuations with a diverse group of equities balancing low-to-medium-risk investments designed for stable growth.
Invest for stable, steady returns
Compass™ Conservative Portfolio
Get a high percentage of fixed-income securities plus a small exposure to equity to help shield you from market fluctuations.
Invest for income and steady growth
Compass™ Conservative Balanced Portfolio
Build income and capital appreciation with fixed-income investments and a small exposure to equity for steady growth potential.
Invest for the long haul
Compass™ Balanced Portfolio
Balance risk and reward with longer-term, lower-risk income investments that produce modest, stable returns.
Invest for higher equity, higher rewards
Compass™ Growth Portfolio
Play the long game with a collection of Canadian and international equities with higher risk and higher potential returns.
Invest for the greatest potential growth
Compass™ Maximum Growth Portfolio
Invest in an internationally-diversified group of equities offering the highest potential growth of any Compass Portfolio.
Invest in fixed-income securities
Fixed Income Pool
Enjoy a steady stream of income with modest growth aimed at preserving your savings.
Invest in Canadian equities
Canadian Equity Pool
Round out your portfolio with Canadian equities. Customize the balance of your investments and your exposure to Canadian markets.
Invest in US equities
US Equity Pool
Round out your portfolio with US equities. Customize the balance of your investments and your exposure to US markets.
Invest in international equities
International Equity Pool
Invest beyond borders with international equities. Customize the balance of your investments and your exposure to global markets.
Invest with access
Redeemable GIC
On conversion of your mature RRSP into a RRIF, you get the access of a Redeemable GIC—while your savings accumulate tax-free.
Invest for stable, steady returns
Compass™ Conservative Portfolio
Get a high percentage of fixed-income securities plus a small exposure to equity to help shield you from market fluctuations.
Invest for income and steady growth
Compass™ Conservative Balanced Portfolio
Build income and capital appreciation with fixed-income investments and a small exposure to equity for steady growth potential.
Invest for a fixed term
Non-Redeemable GIC
On conversion of a mature RRSP into a RRIF, you'll continue earning guaranteed, tax-deferred interest on your savings to term.
Invest with more access
Cashable GIC
Pay no penalty for early withdrawals offering you flexibility to meet unforeseen expenses. Grow savings tax-free in a RRIF.
Invest for the long haul
Compass™ Balanced Portfolio
Balance risk and reward with longer-term, lower-risk income investments that produce modest, stable returns.
Invest for sure and steady growth
Compass™ Balanced Growth Portfolio
Weather market fluctuations with a diverse group of equities balancing low-to-medium-risk investments designed for stable growth.
Invest for higher equity, higher rewards
Compass™ Growth Portfolio
Play the long game with a collection of Canadian and international equities with higher risk and higher potential returns.
Invest for the greatest potential growth
Compass™ Maximum Growth Portfolio
Invest in an internationally-diversified group of equities offering the highest potential growth of any Compass Portfolio.
Invest in fixed-income securities
Fixed Income Pool
Enjoy a steady stream of income with modest growth aimed at preserving your savings.
Invest in Canadian equities
Canadian Equity Pool
Round out your portfolio with Canadian equities. Customize the balance of your investments and your exposure to Canadian markets.
Invest in US equities
US Equity Pool
Round out your portfolio with US equities. Customize the balance of your investments and your exposure to US markets.
Invest in international equities
International Equity Pool
Invest beyond borders with international equities. Customize the balance of your investments and your exposure to global markets.
-
Rates can depend on the term and interest frequency you select.
-
$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.
-
RRIF and RRSP investments are available for 1-5 year terms.
-
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.