CIBC Guaranteed Investment Certificates (GICs) provide you with safe and flexible investment options. You're guaranteed to keep what you invest, while earning competitive interest on your money.
Need help choosing a GIC?
Cashable GICs
Cashable GICs give you the flexibility to access your money if needed, while still earning a competitive rate of return.
| CIBC Flexible GIC® | A guaranteed fixed interest rate and the flexibility to access your money at any time. Purchase now |
| CIBC Cashable Escalating Rate GIC® (3- or 5-year) | Increasing annual interest rates over the term and access to your money on each anniversary date. Purchase now |
| CIBC Variable Rate GIC | An interest rate that is linked to the CIBC Prime Rate, plus the flexibility to withdraw funds at any time after 30 days, with interest. Purchase now |
| CIBC Redeemable GIC | A guaranteed fixed rate; withdraw your money at any time with specific early redemption rates. Purchase now |
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Non-redeemable GICs
Non-redeemable GICs usually offer a higher rate of return. They are ideal if you don't need to access your funds before maturity.
| CIBC Bonus Rate GIC | Earn a rate above our regular rates on select short and long terms (available periodically). Purchase now |
| CIBC Escalating Rate GIC® (3- or 5-year) | Premium returns over a 3- or 5-year term, with increasing annual rates. Purchase now |
| CIBC Long-Term GIC | A guaranteed fixed rate for terms from 1 to 7 years. Purchase now |
| CIBC Short-Term GIC | A guaranteed fixed rate for terms from 30 to 364 days. Purchase now |
| CIBC Save-Up GIC | Save up for specific goals with the discipline of a regular investment plan. |
| CIBC EasyBuilder GIC™ | Maximizes returns, provides annual access to funds and reduces exposure to changing interest rates. |
| CIBC T-Bill Rate GIC | Make the most of your larger investment from 90 to 100 days; offers higher interest rates for higher balances. |
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Index-linked GICs1
Allows you to take advantage of the unlimited growth potential of investing in Canadian and global stock markets, but with full protection of your principal.
| CIBC Stock Market Advantage® GIC | Higher return potential based on the performance of a leading Canadian market index. |
| CIBC Market Mix GIC | Added diversification and higher return potential based on the performance of global market indices from Canada, Europe, Japan and the U.S. |
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1 On index-linked GICs, your initial investment is guaranteed; however, the rate of return is not guaranteed other than the minimum guaranteed interest rate on the Market Mix GIC.
**Terms greater than 5 years are not insured by CDIC Insurance. See the CIBC Deposit Register for a listing of deposits eligible for CDIC Deposit Insurance.
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