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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Types of GICs

Cashable GICs
Cashable GICs give you 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. Purchase now
 
Increasing annual interest rates over the term and access to your money on each anniversary date. Purchase now
 
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
 
A guaranteed fixed rate; withdraw your money at any time with specific early redemption rates. Purchase now
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). Purchase now
 
Premium returns over a 3- or 5-year term, with increasing annual rates. Purchase now
 
A guaranteed fixed rate for terms from 1 to 7 years. Purchase now
 
A guaranteed fixed rate for terms from 30 to 364 days. Purchase now
 
Save up for specific goals with the discipline of a regular investment plan.
 
Maximizes returns, provides annual access to funds and reduces exposure to changing interest rates.
 
Make the most of your larger investment from 90 to 100 days; offers higher interest rates for higher balances.
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.
 
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.



GIC Rates

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