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Get a GIC with the term that best suits your goals. See our competitive rates or book an appointment today.

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.

Key product details

Interest earned See current rates

See current rates (registered)1
Term 30 days - 5 years
Minimum investment $100, $500 or $1,0002
Redeemable during term No
Registered investment options TFSA, RESP, RRSP, RRIF

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.

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.

Need help?

Our Client Care team will be happy to assist.