GIC Express

A quick and easy way to purchase a CIBC GIC in minutes.

Select from one of the options below to apply right now.

Cashable GICs

Cashable GICs provide you with the flexibility to access your money if needed, while still earning a competitive rate of return.
A guaranteed fixed interest rate and the flexibility to access your money at any time.
Increasing annual interest rates over the term and access to your money on each anniversary date.
An interest rate linked to the CIBC Prime Rate, plus the flexibility to withdrawal funds at any time after 30 days, with interest.
A guaranteed fixed rate; withdraw your money at any time with specific early redemption rates.

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.
Earn a rate above our regular rates on select short and long terms (available periodically).
Premium returns over a 3- or 5-year term, with increasing annual rates.
A guaranteed fixed rate for terms from 1 to 7 years.
A guaranteed fixed rate for terms from 30 to 364 days.
CIBC Save-Up GIC

To purchase, visit a branch
or call 1-800-465-3863.
Save up for specific goals with the discipline of a regular investment plan.
CIBC EasyBuilder GIC ™

To purchase, visit a branch
or call 1-800-465-3863.
Maximizes returns, provides annual access to funds and reduces exposure to changing interest rates.
CIBC T-Bill Rate GIC

To purchase, visit a branch
or call 1-800-465-3863.
Makes the most of your larger investment from 90 to 100 days, and offers higher interest rates for higher balances

Index-linked GICs 1

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

To purchase, visit a branch
or call 1-888-480-2422, option 2.
Higher return potential based on the performance of a leading Canadian market index.

Market-linked GICs

Allows you to take advantage of the growth potential of a market-linked return, but with full protection of your principal.
  • * Rates may be changed or withdrawn at any time without notice. Annual rates are current as of September 15, 2017, and applies only to a non-registered CIBC Special Offer GIC, available to CIBC personal and non-personal clients only (12-month term available to personal clients only), with interest paid annually or at maturity. If you want interest paid semi-annually or monthly, a lower rate may apply. Compound interest is calculated annually and paid at maturity; simple interest is paid monthly, semi-annually or annually. Minimum investment of $1,000.
  • 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.
  • ™ Trademark of CIBC
  • ® Registered Trademark of CIBC

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Limited time offer

Enjoy an irresistible GIC rate

Now’s the time to invest in a GIC – get a premium %* rate.

Learn more about investing in the CIBC Special Offer GIC with a premium rate.