Commercial Banking GICs and Business Investment Accounts

Informative investment meeting

CIBC Guaranteed Investment Certificates (GICs) offer flexible investment options for your business. Keep what you invest, earn competitive interest, and select from cashable or non-redeemable options to suit your business needs.

CIBC business investment accounts offer a range of investment options that put your money to work and encourage faster and more efficient business growth.

Cashable GICs - Access to your money

CIBC Flexible GIC®

Enjoy the freedom to cash out early - without penalty - after only 30 days

CIBC Redeemable GIC

Withdraw your money at any time with specific early redemption rates and a guaranteed fixed rate

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

Increasing annual rates over a 3- or 5-year term, and access to your money (with interest) on anniversaries

CIBC Variable Rate GIC

The interest rate is linked to the CIBC Prime Rate, and you can access your money at any time

Non-redeemable GICs - Maximize your returns

Non-redeemable GICs typically provide a higher interest rate and can help you reach your business’ financial goals faster. An ideal choice if you don’t need immediate access to funds for day-to-day operations.

CIBC Short-Term GIC

A guaranteed fixed rate for terms from 30 to 364 days

CIBC Long-Term GIC

A guaranteed fixed rate for terms from 1 to 7 years

CIBC T-Bill Rate GIC

Make the most of your larger investment from 90 to 100 days

CIBC Bonus Rate GIC

Earn a rate above our regular rates on select short and long terms (available periodically)

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

Premium returns over a 3- or 5-year term, with increasing annual rates

CIBC EasyBuilder GIC™

Maximizes returns, provides annual accessibility to funds and reduces exposure to interest rate fluctuations

Special Offer GIC

The CIBC Special Offer GIC allows you to earn a fixed rate, adding security and predictability to your portfolio

CIBC Business Investment Growth Account®

The CIBC Business Investment Growth Account helps you achieve growth on surplus funds, encouraging faster business growth. An ideal complement to your Business Operating Account TM (BOA), the Business Investment Growth Account gives you easy access to your funds when you need them.

CIBC AgriInvest Account

An interest-bearing account with no monthly account fees or day-to-day transaction fees, designed specifically for farmers participating in the Canadian federal government's AgriInvest Program.

Key Benefits

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