GIC Rates

limited time offer

Enjoy an irresistible GIC rate

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

Want to purchase a GIC?

Apply Now

1-800-465-3863

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CIBC Current Prime Rate % as of

CIBC Bonus
Rate GIC

%

6-month term

  • Earn interest at a premium rate for a limited time
  • Choose from a variety of terms
  • Guaranteed principal and interest

CIBC Escalating Rate GIC (3- or 5-year)

%

3-year effective yield

  • Choose between a 3- or 5-year term
  • Start with as low as $500
  • Guaranteed principal and interest

CIBC Cashable Escalating Rate GIC (3- or 5-year term)

%

3-year effective yield

  • Have access to your money
  • Choose between 3- or 5-year term
  • Guaranteed principal and interest

CIBC Flexible
GIC

%

1-year term

  • Withdraw funds at any time, with no penalty after 30 days
  • Short-term investment
  • Guaranteed principal and interest

GIC interest rates shown are for the annual interest and at-maturity interest payment options and may change without prior notice. For GICs with different interest payment options, please contact us at 1-866-525-8622.

Rates as of

For a limited time, enjoy a premium %* rate. Available on a 17-month term. Learn more

Term $1,000 - $4,999 $5,000 - $999,999 Special Offers
12 months % %
14 months % %
17 months % %
18 months % %
25 months % %
36 months % %
48 months % %

There are no CIBC Special Offer GIC terms available at this time.

Term $1,000 - $4,999 $5,000 - $24,999 $25,000 - $99,999 $100,000 - $249,999 $250,000 - $999,999 Special Offers
1 - 29 days
30 - 59 days % % % %
60 - 89 days % % % % %
90 - 119 days % % % % %
120 - 179 days % % % % %
180 - 269 days % % % % %
270 - 364 days % % % % %
Term $1,000 - $99,999 $100,000 - $249,999 $250,000 - $999,999 Special Offers
12 - 16 months % % %
17 months % % %
18 - 23 months % % %
24 - 29 months % % %
30 - 35 months % % %
36 - 41 months % % %
42 - 47 months % % %
48 - 53 months % % %
54 - 59 months % % %
60 - 65 months % % %
66 - 71 months % % %
72 - 77 months % % %
78 - 83 months % % %
84 months % % %
Investment Amount Year 1 Year 2 Year 3 Effective Yield Special Offers
$500 - $99,999 % % % %
$100,000 - $249,999 % % % %
$250,000 - $999,999 % % % %
Investment Amount Year 1 Year 2 Year 3 Year 4 Year 5 Effective Yield Special Offers
$500 - $99,999 % % % % % %
$100,000 - $249,999 % % % % % %
$250,000 - $999,999 % % % % % %
Term $1,000 - $4,999 $5,000 - $999,999 Special Offers
30 days1 % Call 1-800-465-3863
90 days1 % % Call 1-800-465-3863
180 days1 % %
270 days1 % %
12 months1 % % Call 1-800-465-3863
14 months % %
17 months % %
18 months1 % % Call 1-800-465-3863
24 months1 % % Call 1-800-465-3863
25 months % %
30 months % %
36 months1 % %
48 months1 % % Call 1-800-465-3863
60 months % % Call 1-800-465-3863

Term $500 - $999,999 Special Offers
1 year %
2 years %
3 years %
4 years %
5 years %
Term $25,000 - $49,999 $50,000 - $99,999 $100,000 - $200,000 Special Offers
90 - 100 days % % %
Term On Maturity Special Offers
30 - 59 days %
60 - 89 days %
90 days %
Investment Amount Year 1 Year 2 Year 3 Effective Yield Special Offers
$500 - $99,999 % % % %
$100,000 - $249,999 % % % %
$250,000 - $999,999 % % % %
Investment Amount Year 1 Year 2 Year 3 Year 4 Year 5 Effective Yield Special Offers
$500 - $99,999 % % % % % %
$100,000 - $249,999 % % % % % %
$250,000 - $999,999 % % % % % %
Term (days)
$1,000 -
$4,999
$5,000 -
$24,999
$25,000 -
$99,999
$100,000 -
$249,999
$250,000 -
$499,999
$500,000 -
$999,999
Special Offers
365 - 375 % % % % % %
Term $1,000 - $24,999 $25,000 - $99,999 $100,000 - $249,999 $250,000 - $499,999 $500,000 - $999,999 Special Offers
1 year % % % % %
Term $500 - $999 $1,000 - $4,999 $5,000 - $99,999 $100,000 - $249,999 $250,000 - $999,999 Special Offers
1 - 29 days
30 - 59 days % % %
60 - 89 days % % % %
90 - 119 days % % % %
120 - 179 days % % % %
180 - 269 days % % % %
270 - 364 days % % % %
12 - 17 months % % % %
18 - 23 months % % % %
24 - 29 months % % % %
30 - 35 months % % % %
36 - 41 months % % % %
42 - 47 months % % % %
48 - 53 months % % % %
54 - 59 months % % % %
60 - 65 months % % % %
66 - 71 months % % % %
72 - 77 months % % % %
78 - 83 months % % % %
84 months % % % %

See also: TFSA Rates, RRSP Rates, Mutual Fund Rates, RRIF/LIF Rates

Terms and conditions

* Rates may be changed or withdrawn at any time without notice. 17-month annual rate is current as of July 4, 2016, and applies only to a non-registered CIBC Special Offer GIC, 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.

To learn more about this GIC call 1-800-465-2422 or visit a CIBC Banking Centre near you.

Interest rates quoted are for Special Offer GICs with interest paid annually or at maturity. For Special Offer GICs with simple interest paid semi-annually, interest rates are 0.125% less than the rates shown above; for the Special Offer GICs with simple interest paid monthly (except those held by CIBC 60 Plus Advantage® customers), the rates are 0.25% less than the rates shown above. Rate may be changed or withdrawn at any time without notice. Conditions apply.

To buy through telephone banking, you need to have a CIBC bank account or CIBC GIC already.

1 Les offres de CPG à taux bonifié CIBC sont actuellement en vigueur pour ces durées.

1 CIBC Bonus Rate GIC rate offers are currently available on these terms.

2 A minimum investment of $2,500 ($500 for each of the 5 terms) is required to invest in this product.

3 Rates shown are annual rates, and apply to new Variable Rate GICs only. Rates are equal to the CIBC Prime Rate less a fixed spread and will change one day after the CIBC Prime Rate changes.