CIBC Bonus Rate GIC

The CIBC Bonus Rate GIC offers interest at a premium rate on selected terms and guarantees your principal.


  • Non-redeemable

Minimum investment

  • $1,000 for terms greater than 30 days
  • $5,000 for 30 day term

Terms available

  • Wide range of terms available periodically, from 30 days to 60 months, on a time-limited basis - View terms available now

Access to funds

  • At maturity only


  • For terms of 12 months or less, simple interest is paid at maturity
  • For terms of more than 12 months, interest is paid semi-annually, annually or at maturity

Is this GIC right for your business?

The CIBC Bonus Rate GIC could right be for your business if any of the following apply:

  • You seek a premium rate for a non-redeemable GIC on selected terms offered on a time-limited basis
  • You value the stability and security of a fixed-term investment
  • You want to put funds aside to meet future goals such as a major purchase
  • You will not need access to your money prior to the GIC's maturity

Useful information:

  • Principal and interest can be automatically renewed or deposited into your bank account
  • For terms of less than 1 year, simple interest is paid at maturity
  • For terms of 1 year or more, simple interest is paid when you select the monthly, quarterly, semi-annual or annual interest payment option; or, compound interest is calculated annually and paid at maturity

Know how to Start Strong

 Kick-start your new business with these planning ideas and expert guidance from the CIBC Start Strong Program for Business.

Learn more

Interested in a CIBC Bonus Rate GIC?

Visit your local CIBC Banking Centre and talk to a business advisor.

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