Get up to 5.20% on a non-redeemable GIC* for a limited time
Get the GIC
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. *Special bonus rate. For a limited time, earn 5.20% for 90 days on 1, 2, or 3-year non-redeemable GICs.
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.
Key product details
| Limited time bonus offer on select non-redeemable GICs | Get a 1, 2 or 3 year non-redeemable GIC before December 31, 2025 and earn 5.20%* for a 90-day premium period. |
| Interest earned |
See current rates (non-registered)1 + earn a 2.20% bonus rate on net new funds for a 90-day premium period with 1, 2 and 3 year non-registered, non-redeemable GICs. The bonus rate GIC is not available for TFSA, RRSP, FHSA, RRIF or RESP products. See current rates (registered)1 RRSP | TFSA | RRIF | RESP |
| Term | 30 days - 5 years |
| Minimum investment | $100, $500 or $1,0002. For the bonus rate GIC offer, a minimum $1,000 investment is required. |
| Redeemable during term | No |
| Registered investment options | TFSA, RESP, RRSP, RRIF |
Special bonus rate GIC* of up to 5.20%
If you’re ready to grow your savings with a limited time offer on a non-redeemable GIC, we’d love to meet with you.
Frequently Asked Questions
This bonus rate GIC is available starting November 3, 2025 until December 31, 2025.
The bonus rate is available to anyone with an active ATB chequing or savings account. To receive the bonus payment, you must maintain an active account in your name throughout the 90-day premium period, as this is where the bonus payment will be deposited. Eligible accounts include: Unlimited, ATB Advantage, No-Fee All-In Digital, Freedom, Generation, Basic, Pay As You Go and Springboard Savings.
The GIC bonus rate is available on the 1, 2 and 3-year non-redeemable, non-registered GIC.
The bonus payout is calculated on your eligible funds (principal balance) using an annualized bonus rate of 2.20%, prorated for the initial 90-day period of the GIC term. The formula used is: Bonus Payment = Principal Balance x Bonus Interest Rate (annualized) x 90 days / 365 days.
The bonus payment will be made as a one-time lump sum deposit into your active ATB chequing or savings account that was used to fund the GIC, after the 90-day bonus period of the GIC has elapsed.
The bonus rate applies to the funds you are placing into the new eligible GIC opened during the offer period. Funds can originate either externally or from a separate ATB transactional account.
The bonus rate GIC offer requires a minimum investment of $1,000, up to a maximum of $1,000,000 per client.
After the 90-day premium period, your GIC will continue to earn the current base rate for the remainder of your chosen term (1, 2, or 3 years).
Yes. The base interest rate for the remainder of your 1, 2, or 3-year term is guaranteed when you purchase the GIC. The rate will not change until the GIC matures.
No, this GIC is non-redeemable, which means your money is locked in for the entire term (1, 2, or 3 years). You cannot withdraw any portion of your principal or earned interest before the maturity date.
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.
Please note, the bonus rate GIC offer is only available on non-registered GICs and does not apply to registered investments (TFSA, RRSP, FHSA, RRIF, or RESP).
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.
Ready to get started?
There are enough risks in life without risking your hard-earned money. Secure and grow your money with a Non-Redeemable GIC.
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.
$100 for Generation Account holders. For all other investors, $1,000 for non-registered and $500 for registered investments.
* This is a special deposit offer designed to reward clients with a competitive, guaranteed return on Net New Funds (also referred to as Eligible Funds*) deposited into an eligible fixed-term Guaranteed Investment Certificate (GIC) product.
Eligibility and Offer Period
To participate, the Bonus Rate GIC must be purchased between November 3 and December 31, 2025. This promotion is open to all clients who purchase an eligible non-registered Non-Redeemable GIC with a 1-year, 2-year, or 3-year term. The term of the GIC commences on the date of purchase.
The Bonus Rate applied exclusively to deposits that qualify as Eligible Funds placed into the GIC opened during the campaign period, with a minimum deposit of $1,000 and up to a maximum of $1,000,000 per client. The $1,000,000 limit is an aggregate maximum for all GIC purchased by one person (client) between November 3 and December 31, 2025, regardless of whether they buy one GIC or multiple GICs (1-year, 2-year, or 3-year).
*Eligible Funds Definition (Eligible Funds): The Bonus Rate applies exclusively to deposits that qualify as Eligible Funds, which are considered new to this GIC and represent an increase in your investment under this specific offer. Eligible Funds include money transferred from an existing ATB Chequing (Unlimited, ATB Advantage, No-Fee All-In Digital, Freedom, Generation, Basic, Pay As You Go) and Savings Account (Springboard), funds brought in from another financial institution, or funds from another ATB GIC that has matured and is being renewed under this special offer.
Clients must also have an active ATB chequing or savings account open under their name at the time the bonus payment is made, as the bonus amount will be transferred into this account. Eligible accounts include Chequing Accounts (Unlimited, ATB Advantage, No-Fee All-In Digital, Freedom, Generation, Basic, Pay As You Go) and Savings Account (Springboard). Clients must have an active ATB chequing or savings account for the bonus payout (used to fund the GIC).GIC Rate Structure and Bonus Payout
The GIC offers a promotional rate achieved through a combination of a fixed base rate and a temporary bonus interest rate of 2.20% annualized applied to your principal for the initial 90 calendar days. The Base Rate interest for the remainder of the GIC term will be calculated as per the standard product terms [e.g., annually/at maturity]. The bonus payment is calculated as the principal balance multiplied by the annualized Bonus Interest Rate, prorated for the 90-day period:
Bonus Payment = Principal Balance x Bonus Interest Rate (annualized) x 90 days / 365 days. (Example: A $10,000 investment with a 2.20% annualized bonus rate yields at $54.25 bonus payment).
Bonus rates can only be applied to GICs booked with posted rates; any discretion applied to the interest rate will make the GIC ineligible. The bonus interest is calculated separately on the full principal amount and the resulting bonus payment will be a one-time lump sum deposit into the active, eligible ATB chequing or savings account, paid after the 90-day bonus period has elapsed.
General Conditions
It is important to note that this GIC is non-redeemable, meaning funds cannot be withdrawn before the maturity date, and standard minimum deposit requirements apply. This GIC is also subject to the full terms and conditions outlined in the ATB Financial Personal Account Agreement (PDF), Additional Services and Associated Charges (PDF). Interest rates for this GIC are subject to change at any time without advance notice. This is a limited-time promotion currently scheduled to expire on December 31, 2025, and ATB retains the right to change, extend, or withdraw this offer at any time. Clients are responsible for all applicable taxes on interest earned, and ATB reserves the right to suspend or revoke the offer for any client suspected of abusing the terms of the campaign.