Investment Savings

Non-Redeemable 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.

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
(non-registered)
1

See current rates (registered)1
RRSP | TFSA | RRIF | RESP
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.

ATB Virtual Assistant
The ATB Virtual Assistant doesn't support landscape mode. Please tilt your device vertically to portrait mode.
×