Guaranteed Investment Certificates (GICs)

GICs offer a fixed rate of interest for a specific term, and both principal and interest payments are guaranteed.

  • Security and safety - All GICs are backed by the financial strength of their organizations.
  • Competitive interest rates - guaranteed for the full term of the investment
  • Flexible investment terms - ranging from 1 year to 5 years
  • Choice of interest payment frequencies
  • Bonus rates on certain dollar amount purchases
  • Choose from a selection of GIC companies
  • CDIC protection - opportunity to maximize CDIC coverage

GICs issued by non-affiliated GIC issuers.

GIC Rates - Partners

GUARANTEED INVESTMENT CERTIFICATESEFFECTIVE DATE:2019/04/10
Term In Months:122436‑47
4860
Montreal Trust - Minimum $5000.00 Deposit     
COMPOUND GICs     
RRSP/OPEN/TFSA2.1002.2302.2602.3402.400
Term In Months:122436‑47
4860
Bank of Montreal - Minimum $5000.00 Deposit     
COMPOUND GICs     
RRSP/OPEN/TFSA2.2202.2402.2802.3502.460
Income GICs     
Annual2.4002.4502.5002.6002.700
Semi-Annual2.1202.1402.1802.2502.360
Monthly2.0702.0902.1302.2002.310