CIBC Flexible GIC®

The CIBC Flexible GIC guarantees your principal and interest, while giving you the option to cash out early without penalty.

With a CIBC Flexible GIC, you deposit money for one year. At the end of the term, we return your deposit, guaranteed. During the term, you earn interest at a guaranteed rate with the flexibility to withdraw funds at any time - with full interest earned to the date of redemption if you withdraw 30 days or more after the issue date.


  • Cashable

Minimum investment

  • $1,000

Terms available

  • 1 Year

Access to funds

  • You can access your money at any time
  • If you withdraw funds prior to maturity, there is a minimum withdrawal amount based on your original investment


  • Simple Interest is paid at maturity
  • Larger balances are generally rewarded with higher interest rates
  • In the event of early withdrawal 30 days or more after the issue date, full interest to the date of redemption is paid.
  • If you withdraw funds within the first 29 days, no interest is paid

Is this GIC right for your business?

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

  • You want the ability to access funds at any time while earning a competitive rate of interest
  • You want a secure investment

Useful information:

  • Principal and interest can be automatically renewed or deposited into your bank account
  • If you need access to some but not all of your funds, consider placing some money in a Flexible GIC, and the rest in a Long-Term GIC
  • This GIC is issued by CIBC and qualifies as collateral for loans

Know how to Start Strong

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

Learn moreabout the CIBC Start Strong Program for Business

Interested in a CIBC Flexible GIC?

Visit your local CIBC Banking CentreOpens a new window in your browser and talk to a business advisor.

Contact us

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