Guaranteed Investment Certificate (GIC)

Guaranteed Investment Certificates (GIC)

Key benefits:

  • Five CDIC issuers offer multiple accounts
  • Flexibility for laddering and other financial planning strategies
  • Cashable and non-redeemable terms available
  • Easy to buy with terms from 30 days to 10 years
  • Attractive broker rates and commissions

For more information, contact an GIC Specialist today.

Advisor Deposit Services are protected up to $100,000, per category, per depositor.

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Rates

 

Currency Interest Payment Frequency Minimum 30-59 days 60-89 days 90-179 days 180-364 days
Currency Interest Payment Frequency Minimum 1 Year 2 Years 3 Years 4 Years 5 Years 10 Years

All rates are subject to change without notice.
All GICs are non-redeemable except 'Cashable' GICs.
Cashable GICs - matures in 1 year with flexibility to redeem at any time. No interest will be paid if a withdrawal is made within 30 calendar days of the issue date; full interest will be paid to the date of redemption if the funds are on deposit for 31 calendar days or more. Available from all issuing companies except from SMC.
USD GICs are only available through AdvisorDeposit and must be purchased with US funds. We do not convert Canadian dollars to make purchases. 

Rates on amounts over $5,000,000 are available on request.
Broker GIC rates are available to existing clients who are registered with us. To become a client, please ask your head office to contact us.

GIC Issuers 

 


Broker GIC rates are available to existing clients who are registered with us. To become a client, please ask your head office to contact us.
The terms and conditions of these accounts are located under the Resources & Support tab.