Guaranteed Investment Certificate (GIC) Rates
Personal Rates
Rates in this section are only available for clients investing in Personal Banking products.
Commercial, Business and Agriculture clients are encouraged to reach out to their Relationship Manager or Account Manager for current rates.
ATB special GIC rates and offers
Non-redeemable GIC bonus.
Special bonus rate GIC* of up to 5.20%
Earn this special rate with our 1, 2, or 3-year non-redeemable GICs. Limited time only.
Competitive rate, limited time offer.
Grow Alberta GIC
Invest in Alberta with an 18 month non-registered or RRSP GIC and an interest rate of 3.40%.
Non-Redeemable GIC: Earn up to 5.20%* for a limited time.
For a limited time, the 1, 2 and 3 year base rates listed below are enhanced by a 2.20% bonus for the first 90 days, resulting in a total initial rate of up to 5.20%*.
| Terms in years | Paid monthly/quarterly | Paid semi-annually | Paid annually |
|---|---|---|---|
| 1 year | 2.550% | 2.675% | 2.800% |
| 2 year | 2.750% | 2.850% | 3.000% |
| 3 year | 2.750% | 2.875% | 3.000% |
| 4 year | 2.750% | 2.875% | 3.000% |
| 5 year | 3.100% | 3.225% | 3.350% |
| Terms in days | Rates |
|---|---|
| 30 - 59 days | 2.00% |
| 60 - 89 days | 2.00% |
| 90 - 119 days | 2.25% |
| 120 - 179 days | 2.25% |
| 180 - 269 days | 2.50% |
| 270 - 364 days | 2.50% |
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.
The Grow Alberta GIC. Available for a limited time.
| Term | Rates |
|---|---|
| Grow Alberta 18 month GIC | 3.40% |
The Grow Alberta GIC
Invest in your province and grow your savings with a stable, guaranteed investment. Available for a limited time.
Redeemable GIC: Term Deposits
| Terms in years | Rates |
|---|---|
| 1 year | 2.00% |
| 2 year | 2.00% |
| 3 year | 2.00% |
| 4 year | 2.00% |
| 5 year | 2.00% |
| Terms in days | Rates |
|---|---|
| 30 - 59 days | 0.50% |
| 60 - 89 days | 0.50% |
| 90 - 119 days | 0.50% |
| 120 - 179 days | 0.50% |
| 180 - 269 days | 0.50% |
| 270 - 364 days | 0.50% |
Redeemable GIC: 3-Year Springboard
| Year | Rates |
|---|---|
| Year 1 | 2.800% |
| Year 2 | 2.900% |
| Year 3 | 3.000% |
| Blended interest rate | 2.900% |
Redeemable GIC: 5-Year Springboard
| Year | Rates |
|---|---|
| Year 1 | 2.800% |
| Year 2 | 2.850% |
| Year 3 | 2.950% |
| Year 4 | 3.000% |
| Year 5 | 3.050% |
| Blended interest rate | 2.930% |
Redeemable Personal GIC: 1-Year Cashable
| Term | Rates |
|---|---|
| Full term | 2.35% |
| 90 days or greater | 1.35% |
| 30 - 89 days | 0.35% |
| 0 -29 days | 0.00% |
US Dollar Non-Redeemable GIC
| Terms in years | Rates |
|---|---|
| 1 year | 3.00% |
| 2 year | 3.00% |
| 3 year | 3.00% |
| 4 year | 3.00% |
| 5 year | 3.00% |
| Terms in days | Rates |
|---|---|
| 30 days | 2.60% |
| 60 days | 2.60% |
| 90 days | 2.70% |
| 120 days | 2.70% |
| 180 days | 2.90% |
| 270 days | 2.90% |
US Dollar Redeemable GIC
| Terms in years | Rates |
|---|---|
| 1 year | 2.50% |
| 2 year | 2.50% |
| 3 year | 2.50% |
| 4 year | 2.50% |
| 5 year | 2.50% |
| Terms in days | Rates |
|---|---|
| 30 - 59 days | 2.00% |
| 60 - 89 days | 2.00% |
| 90 - 119 days | 2.00% |
| 120 - 179 days | 2.20% |
| 180 - 269 days | 2.20% |
| 270 - 364 days | 2.20% |
Business Rates
Rates in this section are only available for Agriculture, Business and Commercial clients. In some cases, maximum balance limits apply. Please reach out to your Relationship Manager or Account Manger for current limits.
Amplify Business GIC
| Term | Rates |
|---|---|
| 0 - 29 days | 0.00% |
| 30 - 365 days | 1.90% |
Non-Redeemable Business GIC
| Terms in years | Paid monthly/quarterly | Paid semi-annually | Paid annually |
|---|---|---|---|
| 1 year | 2.250% | 2.375% | 2.500% |
| 15 months | 2.250% | 2.375% | 2.500% |
| 18 months | 2.250% | 2.375% | 2.500% |
| 2 and under 3 years | 2.350% | 2.475% | 2.600% |
| 3 and under 4 years | 2.400% | 2.525% | 2.650% |
| 4 and under 5 years | 2.450% | 2.575% | 2.700% |
| 5 years and over | 2.750% | 2.875% | 3.000% |
| Terms in days | Rates |
|---|---|
| 0 - 29 days | 0.000% |
| 30 - 59 days | 1.250% |
| 60 - 89 days | 1.550% |
| 90 - 119 days | 2.100% |
| 120 - 179 days | 2.200% |
| 180 - 269 days | 2.300% |
| 270 - 364 days | 2.400% |
Redeemable Business GIC: Term Deposits
| Terms in days | Rates |
|---|---|
| 30 - 59 days | 1.90% |
| 60 - 89 days | 1.90% |
| 90 - 119 days | 1.90% |
| 120 - 179 days | 1.90% |
| 180 - 269 days | 1.90% |
| 270 - 364 days | 1.90% |
US Dollar Non-Redeemable Business GIC
| Terms in years | Rates |
|---|---|
| 1 year | 3.00% |
| 2 year | 3.00% |
| 3 year | 3.00% |
| 4 year | 3.00% |
| 5 year | 3.00% |
| Terms in days | Rates |
|---|---|
| 30 days | 2.60% |
| 60 days | 2.60% |
| 90 days | 2.70% |
| 120 days | 2.70% |
| 180 days | 2.90% |
| 270 days | 2.90% |
US Dollar Redeemable Business GIC
| Terms in years | Rates |
|---|---|
| 1 and under 2 years | 2.50% |
| 2 and under 3 years | 2.50% |
| 3 and under 4 years | 2.50% |
| 4 and under 5 years | 2.50% |
| 5 years and over | 2.50% |
| Terms in days | Rates |
|---|---|
| 30 - 59 days | 2.00% |
| 60 - 89 days | 2.00% |
| 90 - 119 days | 2.00% |
| 120 - 179 days | 2.20% |
| 180 - 269 days | 2.20% |
| 270 - 364 days | 2.20% |
Rates are subject to change without notice.
* 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.