CIBC - RRSP GICs

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.

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RRSP GICs
	Cashable RRSP GICs Guarantees your principal and allows you the flexibility to redeem early.1
	CIBC Flexible RRSP GIC™ A 1-year GIC with the ultimate in flexibility; access your money at any time, with interest if you redeem after 30 days. Purchase now
	CIBC Cashable Escalating Rate RRSP GIC™ (3- or 5-year) Increasing annual rates over a 3- or 5-year term and access to your money on each anniversary date.2 Purchase now
	CIBC RRSP Redeemable GIC A guaranteed fixed rate; withdraw your money at any time with specific early redemption rates. Purchase now
	Non-redeemable RRSP GICs Non-redeemable GICs usually offer a higher rate of return compared with our cashable RRSP GICs. They are ideal if you don’t need to access your funds before maturity.
	CIBC Bonus Rate RRSP GIC Earn a rate above our regular GIC rates on selected short- and long-terms offered on a time-limited basis. Purchase now
	CIBC Escalating Rate RRSP GIC® (3- or 5-year) Premium returns over a 3- or 5-year term, with increasing annual rates. Purchase now
	CIBC RRSP GIC (Non-Redeemable) Total security of guaranteed interest plus full protection of your principal. Purchase now
	Index-linked RRSP GICs3 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.
	Market-linked RRSP GICs Allows you to take advantage of the growth potential of a market-linked return, but with full protection of your principal.
	CIBC Stock Market Advantage® RRSP GIC Higher return potential based on the performance of a leading Canadian market index.
	CIBC Market Mix RRSP GIC Added diversification and higher return potential based on the performance of global market indices from Canada, Europe, Japan and the U.S.

Trademarks and disclaimers

1 If you withdraw funds from your RRSP, tax will apply to the withdrawn funds.

2 Early redemption is available on each anniversary of the purchase date or within 7 days after each anniversary; redemption is not otherwise available.

3 With 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.

4 To buy through Telephone Banking or online, you need to have a CIBC bank account or CIBC GIC already.

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