A GIC with escalating interest, redeemable on each anniversary date.
Enjoy increasing interest rates
Your interest rate increases each year of your term. The longer your money stays invested, the harder it works for you.
Rest easy
Your original investment amount (principal) and returns are fully guaranteed, so you don't need to worry about a fluctuating stock market.
Decide for yourself
This GIC is redeemable on each anniversary date. So you decide if you’ll keep your money invested or withdraw it to get early access to your funds.
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 Springboard GIC can be held as a joint investment between two co-signers when purchasing a non-registered GIC. RRSPs are available with individual or spousal plans. RESPs are available under individual or family plans (multiple beneficiaries). TFSAs are available under individual plans only.
Yes. You can hold a Springboard GIC within a government-registered investment plan (like a Tax-Free Savings Account (TSFA), a Registered Education Savings Plan (RESP) or a Registered Retirement Savings Plan (RRSP)). You'll pay no income tax on the interest you earn within a TFSA; and the interest you earn within an RESP or RRSP 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.
The Springboard GIC is redeemable in the event of the account holder's death—there's no need to wait for an anniversary of opening the GIC to redeem it. Interest will be prorated and paid up to the date redeemed, no penalty will be incurred for redeeming this GIC in the event of death.
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.
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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.
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The $7,000 TFSA annual contribution limit is effective January 1, 2024. Check out TFSA contribution limits to see what you qualify for. Keep in mind, How much you can contribute also depends on when you turned 18.
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Springboard GIC is a registered trademark of ATB Financial.
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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.