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Guaranteed Investment Certificates

Competitive rates. Government guaranteed.

Our Guaranteed Investment Certificates (GICs) give you a competitive rate of return and the safety of government-guaranteed deposit insurance.

We offer a variety of GICs with terms from three months to five years and with different levels of flexibility. 

With GICs, your principal is secure and your interest is guaranteed for the term. You can hold all of our term investments in non-registered form or in RRSP, RRIF and TFSA plans. Some types of term investments are eligible for RESPs.

Take a look at your options. If you have any questions, give us a call.  We're happy to make an appointment for you to come in and chat. 

WHICH ONE IS RIGHT FOR YOU?

Short-Term Guaranteed Investments

Overview

Put your money somewhere safe for a short time.

Key Features
  • Short terms from 30 to 364 days

  • Competitive rates offer guaranteed growth

  • Available in non-registered form or in RRSP, RRIF and TFSA accounts

  • Deposit insurance: government-guaranteed up to $250,000 for unregistered investments; unlimited on registered plans

Long-Term Guaranteed Investments

Overview

Build a foundation for your long-term plans. 

Key Features
  • Redeemable and non-redeemable terms from one to five years
  • Our laddering strategy maximizes returns and reduces sensitivity to changing interest rates

  • Non-registered or RRSP, RRIF, TFSA and RESP options

  • Government-guaranteed deposit insurance protects you up to $250,000

Premium Choice Investments

Overview

When you need access to your money sooner than expected.

Key Features
  • One-year investment certificates at competitive rates

  • Access funds after 90 days, penalty-free, redeeming principal and interest to date

  • Deposit insurance: government-guaranteed up to $250,000 for unregistered investments; unlimited on registered plans

Market Index GIC

Overview

If you want higher returns but you don’t want to risk your principal.  

Key Features
  • Rate of return based on major market performance over a three-year or five-year period
  • Equity investment that carries no fees or commissions

  • Diversified investment in Canadian corporations per the S&P/TSX 60 Index

  • 100% principal guarantee without the risk of direct investment in stocks or mutual funds

Accelerator

Overview

Grow your investment at the maximum rate, with an option to redeem a portion before maturity.

Key Features
  • Offers higher interest rates in every year of its five-year term

  • Convertible to a regular GIC on its third and fourth year for the remainder of the term, or longer

  • Take advantage of rising rates by re-investing your deposit at a higher rate

  • Option to redeem up to 20% of the principal with no penalty, once a year

  • Government-guaranteed deposit insurance up to $250,000 for unregistered investments and unlimited on registered plans

​Speak with one of our Member Consultants

Let's talk about your options. 

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