A safe

Enjoy safe investing

Guaranteed Investment Certificate (GIC)

Discover guaranteed returns with a GIC. It’s one of the safest investment options around. 

Join the 57,000+ members who bank with us!



Discover the benefits!

  • Keep your money safe
  • Enjoy flexible options
  • Pay no monthly fees
  • Earn cash dividends


Achieve your savings goals!



See market updates

Market Insights is an expert commentary covering Canadian, U.S., European, and Asian markets. See key economic data and keep up to date with the latest market conditions.

Invest safely

Unlike other forms of investments, a GIC guarantees your full investment which is very rare. 

Choose from many options

Our GICs are designed to fit your needs. Select the one that’s right for you:

  • Redeemable options: access your money without penalty
  • Non-redeemable options: earn more interest
  • 1 to 5-year term options
  • Convertible options: switch your investment to a higher rate if the market changes
  • Laddering options: access your money AND earn more. It’s a win-win!


GIC Options

Enjoy flexible access to your money!

  • Interest paid annually and/or at maturity to your GIC or chequing account
  • See current rates
  • No redemption penalty
  • Additional deposits are permitted in any amount at any time during the investment length
  • Minimum deposit - $1,000
  • Minimum partial withdrawal - $1,000
  • Minimum balance of $1,000 must be maintained 

Apply Today

Lock in to earn more!

  • Interest paid annually and/or at maturity to your GIC or chequing account
  • See current rates
  • Minimum deposit - $1,000

Apply Today

Save for your $1,000 minimum!

  • Interest paid annually and/or at maturity to GIC or chequing account
  • See current rates
  • Pre-authorized transfers are required and may be set up at any frequency and for any amount
  • Additional deposits are permitted in any amount at any time during the investment length
  • Minimum initial deposit - $5.00
  • Minimum balance by maturity - $1,000 

Apply Today 

Take advantage of rate increases!

  • Interest paid annually and/or at maturity to your GIC or chequing account 
  • See current rates
  • Convertible option only available once during the originating investment length
  • Convert into a non-redeemable investment of equal or greater than the remaining investment length
  • Minimum deposit - $1,000

Apply Today

Earn more PLUS easily access your funds. It's a win-win!

  • 1 year, 2 year, 3 year, 4 year, and 5 year (must have minimum of $1,000 in each investment length)
  • Interest paid annually and/or at maturity to your GIC or chequing account
  • See current rates
  • Minimum deposit – $5,000

Apply Today



Enjoy free banking

There’s no charge for investing in a GIC. And you’ll always have free access to friendly advisors who can help you reach your savings goals.




Earn cash for everyday banking

With our Member Rewards program, you’ll earn cash dividends by having your GIC with us. The more you bank with us, the more you benefit!



Get professional advice

Needing some help with your investment decision?

Our Innovation Wealth team can work with you to develop an investment strategy. Contact them for a coffee and consultation today!



Save

Our No-Fee Bank Account has no monthly fees and no balance requirements. Save as much as $360/year in fees!

Earn

You earn cash dividends simply by doing your everyday banking with us. The more you bank with us, the more you benefit.

Give

Your business helps us support your community. We allocate 2% to 4% of pre-tax profits/year to our communities.


Questions?

GICs are available to any Canadian resident age 18 and older with a Social Insurance Number.

The initial deposit must be $1,000 or more. 

Your initial investment is split equally into 1-year, 2-year, 3-year, 4-year, and 5-year investments. You’ll be able to access your shorter-term investments should you need the money while your longer-term investments earn you more interest. It combines the benefit of access to cash without penalty and getting the most interest on your investment.


Enjoy easy, safe investing

Get peace of mind that your money is protected while earning interest at a great rate. 


Need more help choosing the right savings product?

Try our Savings Selector.

Rates subject to change without notice.

Calculators on the site are made available to you as tools for independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy. All examples are hypothetical and are for illustrative purposes only. Please contact us directly to seek personalized advice from qualified professionals for all personal finance issues.

Investments require a minimum deposit of $1,000. Interest is earned in the currency of the account and calculated on a per annum basis. Rates are subject to change without notice. Interest rates are annual interest rates. Interest is calculated daily on the closing credit balance. If term is withdrawn in full, the accrued interest is paid in full based on prior day's amount. If partial withdrawals are processed, there is no payment of accrued interest as it's paid according to the original terms. Interest for products can either be paid to a separate account or added to the principal on each anniversary date and at maturity.

Learn more about our accounts and services. Review our Account and Fee Information (pdf).