RRSP GICs
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Purchase online with RRSP |
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CIBC Guaranteed Investment Certificates (GICs) provide you with safe and flexible investment options. You're guaranteed to keep what you invest, while earning competitive interest1 on your money.
Learn more about GICs
Which RRSP GIC is for me?
CIBC has an outstanding selection of innovative RRSP GICs, with terms ranging from 2 months to 7 years. Typically, the longer the term, the higher the rate of interest earned.
CIBC offers three main types of GICs: Cashable, Non-Redeemable and Index-Linked.
Cashable GICs - Access to your money
Cashable GICs provide the flexibility to redeem early to cover an unforeseen expense (such as house repairs, job loss, or medical crisis), or to take advantage of an opportunity.3.
| 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 
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| CIBC Cashable Escalating Rate RRSP GIC™ | Increasing annual rates over a 3- or 5- year term, and access to your money with interest on each anniversary4
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| CIBC RRSP GIC (Redeemable) | Guaranteed fixed rate; withdraw your money at any time at specific early redemption rates
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Non-redeemable GICs - Maximize your returns
Non-redeemable GICs usually offer a higher rate of return. They are ideal when you know you won't need to access your money for a certain period of time and can be used to help reach financial goals, such as retirement or saving for a major purchase.
| CIBC Escalating Rate RRSP GIC™ | Premium returns over a 3- or 5- year term, with increasing annual rates
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| CIBC Bonus Rate RRSP GIC | Earn a premium rate above our regular rates on select short and long terms (available periodically)
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| CIBC RRSP GIC (Non-Redeemable) | Total security of guaranteed interest plus full protection of your principal
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Index-Linked GICs1 - Unlimited growth potential
Index-linked GICs are a safe way to benefit from the potential returns of investing in the stock markets. As with all GICs, your principal is 100% guaranteed.
| CIBC Stock Market Advantage RRSP® GIC | Higher return potential based on the performance of a leading Canadian market index
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| 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.
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Trademarks and Disclaimers
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.
2 To buy through Telephone Banking or online, you need to have a CIBC bank account or CIBC GIC already.
3 If you withdraw funds from your RRSP, tax will apply to the withdrawn funds.
4 Early redemption is available on each anniversary of the puchase date or within 7 days after each anniversary; redemption is not otherwise available.
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