Business GIC rates

Expanding your business?

Whatever your business needs, grow your money at a rate of RDS%rate[4].BBLT.Published(12_null_null_Months_T,1000.0_-_4999.99_CAD_Balance,21,6)(#O2#)%¹ with a 12-month Bonus Rate GIC.

Learn more about the CIBC Special Offer GIC. Contact our Business Client Advice Centre

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FHSA rates

Promotional GIC rates

CIBC Bonus Rate GIC

RDS%rate[4].BBLT.Published(12_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,17,6)(#R#)% + %rate[4].BBLT.Published(12_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,21,6)(#R#)%^{†, 1}

12-month term

Posted rate: RDS%rate[4].BBLT.Published(12_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,21,6)(#O2#)%¹

Choose from a variety of terms
Guaranteed principal and interest

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CIBC Bonus Rate GIC

RDS%rate[4].BBLT.Published(24_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,21,6)(#O2#)% + %rate[4].BBLT.Published(24_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,17,6)(#O2#)%^{†, 1}

24-month term

Posted rate: RDS%rate[4].BBLT.Published(24_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,21,6)(#R#)%¹

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CIBC Bonus Rate GIC

RDS%rate[4].BBLT.Published(36_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,21,6)(#R#)% + %rate[4].BBLT.Published(36_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,17,6)(#R#)%^{†, 1}

36-month term

Posted rate: RDS%rate[4].BBLT.Published(36_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,21,6)(#R#)%¹

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CIBC Bonus Rate GIC

RDS%rate[4].BBLT.Published(48_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,21,6)(#R#)% + %rate[4].BBLT.Published(48_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,17,6)(#R#)%^{†, 3}

48-month term

Posted rate: RDS%rate[4].BBLT.Published(48_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,21,6)(#R#)%¹

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CIBC Bonus Rate GIC

RDS%rate[4].BBLT.Published(60_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,21,6)(#R#)% + %rate[4].BBLT.Published(60_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,17,6)(#R#)%^†,3

60-month term

Posted rate: RDS%rate[4].BBLT.Published(60_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,21,6)(#O2#)%¹

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CIBC Variable Rate GIC

RDS%rate[4].VRGIC.Published(1_null_null_Year_T,25000.0_-_99999.99_CAD_Balance,21,6)(#O2#)% + %rate[4].VRGIC.Published(1_null_null_Year_T,25000.0_-_99999.99_CAD_Balance,17,6)(#O2#)%^{†, 2}

1-year term

Posted rate (linked to CIBC Prime Rate)

Earn more when the CIBC Prime Rate goes up
Cash out when you want
uaranteed principal and interest

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CIBC Flexible GIC

RDS%rate[4].FLGIC.Published(365_-_375_Days_D,25000.0_-_99999.99_CAD_Balance,21,6)(#R#)% + %rate[4].FLGIC.Published(365_-_375_Days_D,5000.0_-_24999.99_CAD_Balance,17,6)(#R#)%^{†, 9}

1-year term

Posted rate: RDS%rate[4].FLGIC.Published(365_-_375_Days_D,25000.0_-_99999.99_CAD_Balance,21,6)(#R#)%

Access your money at any time
Minimum investment of $1,000
Guaranteed principal and interest

Learn more

GIC interest rates shown below are prevailing rates. Prevailing rates are also referred to as posted rates.

The below rates do not include any promotional rates that may be applicable. If you already work with one of our Relationship Managers, contact them to learn more about promotional GIC rates. If you don’t work with one, contact our Business Client Advice Centre to learn about promotional GIC rates..

Rates shown are calculated on an annual basis and are for the annual interest and at-maturity interest payment options. Rates may change at any time without prior notice. For GICs with different interest payment options, call us at 1-866-525-8622 Opens your phone app..

Rates as of RDS%SYSTEM_DATE(#M# #d#, #Y#)%

CIBC Short-Term GIC ⁴

The CIBC Short-Term GIC is a safe place to park your money for a short period of time, while enjoying a guaranteed rate of interest and fully-protected principal.

Learn moreLearn more about CIBC Short Term G I C

Term	$1,000 to $4,999	$5,000 to $24,999	$25,000 to $99,999	$100,000 to $249,999	$250,00 to $999,999
1 to 29 days	-	-	-	-	-
30 to 59 days	-	RDS%rate[4].STGIC.Published(30_-_59_Days_D,5000.0_-_24999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].STGIC.Published(30_-_59_Days_D,25000.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].STGIC.Published(30_-_59_Days_D,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].STGIC.Published(30_-_59_Days_D,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%
60 to 89 days	RDS%rate[4].STGIC.Published(60_-_89_Days_D,1000.0_-_4999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].STGIC.Published(60_-_89_Days_D,5000.0_-_24999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].STGIC.Published(60_-_89_Days_D,25000.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].STGIC.Published(60_-_89_Days_D,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].STGIC.Published(60_-_89_Days_D,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%
90 to 119 days	RDS%rate[4].STGIC.Published(90_-_119_Days_D,1000.0_-_4999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].STGIC.Published(90_-_119_Days_D,5000.0_-_24999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].STGIC.Published(90_-_119_Days_D,25000.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].STGIC.Published(90_-_119_Days_D,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].STGIC.Published(90_-_119_Days_D,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%
120 to 179 days	RDS%rate[4].STGIC.Published(120_-_179_Days_D,1000.0_-_4999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].STGIC.Published(120_-_179_Days_D,5000.0_-_24999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].STGIC.Published(120_-_179_Days_D,25000.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].STGIC.Published(120_-_179_Days_D,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].STGIC.Published(120_-_179_Days_D,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%
180 to 269 days	RDS%rate[4].STGIC.Published(180_-_269_Days_D,1000.0_-_4999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].STGIC.Published(180_-_269_Days_D,5000.0_-_24999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].STGIC.Published(180_-_269_Days_D,25000.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].STGIC.Published(180_-_269_Days_D,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].STGIC.Published(180_-_269_Days_D,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%
270 to 364 days	RDS%rate[4].STGIC.Published(270_-_364_Days_D,1000.0_-_4999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].STGIC.Published(270_-_364_Days_D,5000.0_-_24999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].STGIC.Published(270_-_364_Days_D,25000.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].STGIC.Published(270_-_364_Days_D,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].STGIC.Published(270_-_364_Days_D,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%

CIBC Long-Term GIC ⁵

With a CIBC Long-Term GIC, you deposit money with us for 1 to 7 years, during which time you earn a guaranteed rate of interest.

Learn moreLearn more about CIBC Long Term G I C

Term	$1,000 to $99,999	$100,000 to $249,999	$250,000 to $999,999	$1,000,000 to $999,999,999
12 to 16 months	RDS%rate[4].LT.Published(12_<_17_Months_D,1000.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].LT.Published(12_<_17_Months_D,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].LT.Published(12_<_17_Months_D,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].LT.Published(12_<_17_Months_D,1000000.0_-_9.9999999999E8_CAD_Balance,21,6)(#O3#)%
17 months	RDS%rate[4].LT.Published(17_null_null_Months_T,1000.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].LT.Published(17_null_null_Months_T,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].LT.Published(17_null_null_Months_T,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].LT.Published(17_null_null_Months_T,1000000.0_-_9.9999999999E8_CAD_Balance,21,6)(#O3#)%
18 to 23 months	RDS%rate[4].LT.Published(18_<_24_Months_D,1000.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].LT.Published(18_<_24_Months_D,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].LT.Published(18_<_24_Months_D,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].LT.Published(18_<_24_Months_D,1000000.0_-_9.9999999999E8_CAD_Balance,21,6)(#O3#)%
24 to 29 months	RDS%rate[4].LT.Published(24_<_30_Months_D,1000.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].LT.Published(24_<_30_Months_D,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].LT.Published(24_<_30_Months_D,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].LT.Published(24_<_30_Months_D,1000000.0_-_9.9999999999E8_CAD_Balance,21,6)(#O3#)%
30 to 35 months	RDS%rate[4].LT.Published(30_<_36_Months_D,1000.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].LT.Published(30_<_36_Months_D,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].LT.Published(30_<_36_Months_D,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].LT.Published(30_<_36_Months_D,1000000.0_-_9.9999999999E8_CAD_Balance,21,6)(#O3#)%
36 to 41 months	RDS%rate[4].LT.Published(36_<_42_Months_D,1000.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].LT.Published(36_<_42_Months_D,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].LT.Published(36_<_42_Months_D,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].LT.Published(36_<_42_Months_D,1000000.0_-_9.9999999999E8_CAD_Balance,21,6)(#O3#)%
42 to 47 months	RDS%rate[4].LT.Published(42_<_48_Months_D,1000.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].LT.Published(42_<_48_Months_D,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].LT.Published(42_<_48_Months_D,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].LT.Published(42_<_48_Months_D,1000000.0_-_9.9999999999E8_CAD_Balance,21,6)(#O3#)%
48 to 53 months	RDS%rate[4].LT.Published(48_<_54_Months_D,1000.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].LT.Published(48_<_54_Months_D,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].LT.Published(48_<_54_Months_D,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].LT.Published(48_<_54_Months_D,1000000.0_-_9.9999999999E8_CAD_Balance,21,6)(#O3#)%
54 to 59 months	RDS%rate[4].LT.Published(54_<_60_Months_D,1000.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].LT.Published(54_<_60_Months_D,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].LT.Published(54_<_60_Months_D,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].LT.Published(54_<_60_Months_D,1000000.0_-_9.9999999999E8_CAD_Balance,21,6)(#O3#)%
60 to 65 months	RDS%rate[4].LT.Published(60_<_66_Months_D,1000.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].LT.Published(60_<_66_Months_D,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].LT.Published(60_<_66_Months_D,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].LT.Published(60_<_66_Months_D,1000000.0_-_9.9999999999E8_CAD_Balance,21,6)(#O3#)%
66 to 71 months	RDS%rate[4].LT.Published(66_<_72_Months_D,1000.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].LT.Published(66_<_72_Months_D,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].LT.Published(66_<_72_Months_D,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].LT.Published(66_<_72_Months_D,1000000.0_-_9.9999999999E8_CAD_Balance,21,6)(#O3#)%
72 to 77 months	RDS%rate[4].LT.Published(72_<_78_Months_D,1000.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].LT.Published(72_<_78_Months_D,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].LT.Published(72_<_78_Months_D,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].LT.Published(72_<_78_Months_D,1000000.0_-_9.9999999999E8_CAD_Balance,21,6)(#O3#)%
78 to 83 months	RDS%rate[4].LT.Published(78_<_84_Months_D,1000.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].LT.Published(78_<_84_Months_D,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].LT.Published(78_<_84_Months_D,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].LT.Published(78_<_84_Months_D,1000000.0_-_9.9999999999E8_CAD_Balance,21,6)(#O3#)%
84 months	RDS%rate[4].LT.Published(84_null_null_Months_T,1000.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].LT.Published(84_null_null_Months_T,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].LT.Published(84_null_null_Months_T,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].LT.Published(84_null_null_Months_T,1000000.0_-_9.9999999999E8_CAD_Balance,21,6)(#O3#)%

CIBC Escalating Rate GIC^® (3 year) ³

Investment Amount	Year 1	Year 2	Year 3	Effective Yield
$500 to $99,999	RDS%rate[4].ENGIC.Published(1_null_null_Year_T,500.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].ENGIC.Published(2_null_null_Year_T,500.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].ENGIC.Published(3_null_null_Year_T,500.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].ENGIC.Published(null,500.0_-_99999.99_CAD_Balance,11,6)(#R#)%
$100,000 to $249,999	RDS%rate[4].ENGIC.Published(1_null_null_Year_T,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].ENGIC.Published(2_null_null_Year_T,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].ENGIC.Published(3_null_null_Year_T,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].ENGIC.Published(null,100000.0_-_249999.99_CAD_Balance,11,6)(#R#)%
$250,000 to $999,999	RDS%rate[4].ENGIC.Published(1_null_null_Year_T,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].ENGIC.Published(2_null_null_Year_T,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].ENGIC.Published(3_null_null_Year_T,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].ENGIC.Published(null,250000.0_-_999999.99_CAD_Balance,11,6)(#R#)%

CIBC Escalating Rate GIC^® (5 year) ³

The CIBC Escalating Rate GIC offers guaranteed premium returns and rates that increase each year.

Learn more about the 5-year CIBC Escalating Rate GIC.

Investment Amount	Year 1	Year 2	Year 3	Year 4	Year 5	Effective Yield
$500 to $99,999	RDS%rate[4].EN5.Published(1_null_null_Year_T,500.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].EN5.Published(2_null_null_Year_T,500.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].EN5.Published(3_null_null_Year_T,500.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].EN5.Published(4_null_null_Year_T,500.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].EN5.Published(5_null_null_Year_T,500.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].EN5.Published(null,500.0_-_99999.99_CAD_Balance,11,6)(#R#)%
$100,000 to $249,999	RDS%rate[4].EN5.Published(1_null_null_Year_T,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].EN5.Published(2_null_null_Year_T,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].EN5.Published(3_null_null_Year_T,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].EN5.Published(4_null_null_Year_T,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].EN5.Published(5_null_null_Year_T,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].EN5.Published(null,100000.0_-_249999.99_CAD_Balance,11,6)(#R#)%
$250,000 to $999,999	RDS%rate[4].EN5.Published(1_null_null_Year_T,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].EN5.Published(2_null_null_Year_T,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].EN5.Published(3_null_null_Year_T,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].EN5.Published(4_null_null_Year_T,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].EN5.Published(5_null_null_Year_T,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].EN5.Published(null,250000.0_-_999999.99_CAD_Balance,11,6)(#R#)%

CIBC Bonus Rate GIC (Short Term) ¹

Term	$1,000 to $4,999	$5,000 to $999,999
30 days	-	RDS%rate[4].BBST.Published(30_null_null_Days_T,5000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%
90 days	RDS%rate[4].BBST.Published(90_null_null_Days_T,1000.0_-_4999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].BBST.Published(90_null_null_Days_T,5000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%
180 days	RDS%rate[4].BBST.Published(180_null_null_Days_T,1000.0_-_4999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].BBST.Published(180_null_null_Days_T,5000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%
270 days	RDS%rate[4].BBST.Published(270_null_null_Days_T,1000.0_-_4999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].BBST.Published(270_null_null_Days_T,5000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%

CIBC Bonus Rate GIC (Long Term) ¹

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

Learn more about the CIBC Bonus Rate GIC.

Term	$1,000 to $4,999	$5,000 to $999,999
12 months	RDS%rate[4].BBLT.Published(12_null_null_Months_T,1000.0_-_4999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].BBLT.Published(12_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%
14 months	RDS%rate[4].BBLT.Published(14_null_null_Months_T,1000.0_-_4999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].BBLT.Published(14_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%
17 months	RDS%rate[4].BBLT.Published(17_null_null_Months_T,1000.0_-_4999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].BBLT.Published(17_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%
18 months	RDS%rate[4].BBLT.Published(18_null_null_Months_T,1000.0_-_4999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].BBLT.Published(18_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%
24 months	RDS%rate[4].BBLT.Published(24_null_null_Months_T,1000.0_-_4999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].BBLT.Published(24_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%
25 months	RDS%rate[4].BBLT.Published(25_null_null_Months_T,1000.0_-_4999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].BBLT.Published(25_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%
30 months	RDS%rate[4].BBLT.Published(30_null_null_Months_T,1000.0_-_4999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].BBLT.Published(30_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%
36 months	RDS%rate[4].BBLT.Published(36_null_null_Months_T,1000.0_-_4999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].BBLT.Published(36_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%
48 months	RDS%rate[4].BBLT.Published(48_null_null_Months_T,1000.0_-_4999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].BBLT.Published(48_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%
60 months	RDS%rate[4].BBLT.Published(60_null_null_Months_T,1000.0_-_4999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].BBLT.Published(60_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%

CIBC EasyBuilder GIC^{TM, 6}

Term	$500 to $999,999
1 year	RDS%rate[4].EZGIC.Published(1_null_null_Year_T,500.0_-_999999.99_CAD_Balance,21,6)(#O3#)%
2 years	RDS%rate[4].EZGIC.Published(2_null_null_Year_T,500.0_-_999999.99_CAD_Balance,21,6)(#O3#)%
3 years	RDS%rate[4].EZGIC.Published(3_null_null_Year_T,500.0_-_999999.99_CAD_Balance,21,6)(#O3#)%
4 years	RDS%rate[4].EZGIC.Published(4_null_null_Year_T,500.0_-_999999.99_CAD_Balance,21,6)(#O3#)%
5 years	RDS%rate[4].EZGIC.Published(5_null_null_Year_T,500.0_-_999999.99_CAD_Balance,21,6)(#O3#)%

CIBC T-Bill Rate GIC ⁷

Term	$25,000 to $49,999	$50,000 to $99,999	$100,000 to $199,999	$200,000 to $999,999
90 to 100 days	RDS%rate[4].TBGIC.Published(90_-_100_Days_D,25000.0_-_49999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].TBGIC.Published(90_-_100_Days_D,50000.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].TBGIC.Published(90_-_100_Days_D,100000.0_-_199999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].TBGIC.Published(90_-_100_Days_D,200000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%

CIBC Cashable Escalating Rate GIC^® (3 year) ⁸

Investment Amount	Year 1	Year 2	Year 3	Effective Yield
$500 to $99,999	RDS%rate[4].ERGIC.Published(1_null_null_Year_T,500.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].ERGIC.Published(2_null_null_Year_T,500.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].ERGIC.Published(3_null_null_Year_T,500.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].ERGIC.Published(null,500.0_-_99999.99_CAD_Balance,11,6)(#R#)%
$100,000 to $249,999	RDS%rate[4].ERGIC.Published(1_null_null_Year_T,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].ERGIC.Published(2_null_null_Year_T,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].ERGIC.Published(3_null_null_Year_T,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].ERGIC.Published(null,100000.0_-_249999.99_CAD_Balance,11,6)(#R#)%
$250,000 to $999,999	RDS%rate[4].ERGIC.Published(1_null_null_Year_T,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].ERGIC.Published(2_null_null_Year_T,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].ERGIC.Published(3_null_null_Year_T,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].ERGIC.Published(null,250000.0_-_999999.99_CAD_Balance,11,6)(#R#)%

CIBC Cashable Escalating Rate GIC^® (5 year) ⁸

The CIBC Cashable Escalating Rate GIC offers guaranteed premium returns, rates that increase each year, and access to your money on each anniversary date or up to 7 days after.

Learn more about the 5-year CIBC Cashable Escalating Rate GIC.

Investment Amount	Year 1	Year 2	Year 3	Year 4	Year 5	Effective Yield
$500 to $99,999	RDS%rate[4].ER5.Published(1_null_null_Year_T,500.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].ER5.Published(2_null_null_Year_T,500.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].ER5.Published(3_null_null_Year_T,500.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].ER5.Published(4_null_null_Year_T,500.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].ER5.Published(5_null_null_Year_T,500.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].ER5.Published(null,500.0_-_99999.99_CAD_Balance,11,6)(#R#)%
$100,000 to $249,999	RDS%rate[4].ER5.Published(1_null_null_Year_T,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].ER5.Published(2_null_null_Year_T,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].ER5.Published(3_null_null_Year_T,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].ER5.Published(4_null_null_Year_T,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].ER5.Published(5_null_null_Year_T,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].ER5.Published(null,100000.0_-_249999.99_CAD_Balance,11,6)(#R#)%
$250,000 to $999,999	RDS%rate[4].ER5.Published(1_null_null_Year_T,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].ER5.Published(2_null_null_Year_T,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].ER5.Published(3_null_null_Year_T,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].ER5.Published(4_null_null_Year_T,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].ER5.Published(5_null_null_Year_T,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].ER5.Published(null,250000.0_-_999999.99_CAD_Balance,11,6)(#R#)%

CIBC Flexible GIC ⁹

Term (days)	$1,000 to $4,999	$5,000 to $24,999	$25,000 to $99,999	$100,000 to $249,999	$250,000 to $499,999	$500,000 to $999,999	$1,000,000 to $999,999,999
365 to 375	RDS%rate[4].FLGIC.Published(365_-_375_Days_D,1000.0_-_4999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].FLGIC.Published(365_-_375_Days_D,5000.0_-_24999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].FLGIC.Published(365_-_375_Days_D,25000.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].FLGIC.Published(365_-_375_Days_D,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].FLGIC.Published(365_-_375_Days_D,250000.0_-_499999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].FLGIC.Published(365_-_375_Days_D,500000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].FLGIC.Published(365_-_375_Days_D,1000000.0_-_9.9999999999E8_CAD_Balance,21,6)(#O3#)%

CIBC Variable Rate GIC²

Term	$1,000 to $24,999	$25,000 to $99,999	$100,000 to $249,999	$250,000 to $499,999	$500,000 to $999,999	$1,000,000 to $999,999,999
1 year	RDS%rate[4].VRGIC.Published(1_null_null_Year_T,1000.0_-_24999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].VRGIC.Published(1_null_null_Year_T,25000.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].VRGIC.Published(1_null_null_Year_T,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].VRGIC.Published(1_null_null_Year_T,250000.0_-_499999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].VRGIC.Published(1_null_null_Year_T,500000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].VRGIC.Published(1_null_null_Year_T,1000000.0_-_9.9999999999E8_CAD_Balance,21,6)(#O3#)%

CIBC Redeemable GIC ¹⁰

The CIBC Redeemable GIC guarantees your principal and interest, while giving you the option to cash out at any time, at specified early redemption rates.

Learn more about the CIBC Redeemable GIC .

Term	$500 to $999	$1,000 to $4,999	$5,000 to $99,999	$100,000 to $249,999	$250,000 to $999,999
1 to 29 days	-	-	-	-	-
30 to 59 days	-	-	RDS%rate[4].RGIC.Published(30_-_59_Days_D,5000.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(30_-_59_Days_D,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(30_-_59_Days_D,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%
60 to 89 days	-	RDS%rate[4].RGIC.Published(60_-_89_Days_D,1000.0_-_4999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(60_-_89_Days_D,5000.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(60_-_89_Days_D,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(60_-_89_Days_D,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%
90 to 119 days	-	RDS%rate[4].RGIC.Published(90_-_119_Days_D,1000.0_-_4999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(90_-_119_Days_D,5000.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(90_-_119_Days_D,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(90_-_119_Days_D,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%
120 to 179 days	-	RDS%rate[4].RGIC.Published(120_-_179_Days_D,1000.0_-_4999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(120_-_179_Days_D,5000.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(120_-_179_Days_D,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(120_-_179_Days_D,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%
180 to 269 days	-	RDS%rate[4].RGIC.Published(180_-_269_Days_D,1000.0_-_4999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(180_-_269_Days_D,5000.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(180_-_269_Days_D,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(180_-_269_Days_D,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%
270 to 364 days	-	RDS%rate[4].RGIC.Published(270_-_364_Days_D,1000.0_-_4999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(270_-_364_Days_D,5000.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(270_-_364_Days_D,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(270_-_364_Days_D,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%
12 to 17 months	-	RDS%rate[4].RGIC.Published(12_<_18_Months_D,1000.0_-_4999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(12_<_18_Months_D,5000.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(12_<_18_Months_D,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(12_<_18_Months_D,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%
18 to 23 months	-	RDS%rate[4].RGIC.Published(18_<_24_Months_D,1000.0_-_4999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(18_<_24_Months_D,5000.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(18_<_24_Months_D,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(18_<_24_Months_D,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%
24 to 29 months	-	RDS%rate[4].RGIC.Published(24_<_30_Months_D,1000.0_-_4999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(24_<_30_Months_D,5000.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(24_<_30_Months_D,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(24_<_30_Months_D,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%
30 to 35 months	-	RDS%rate[4].RGIC.Published(30_<_36_Months_D,1000.0_-_4999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(30_<_36_Months_D,5000.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(30_<_36_Months_D,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(30_<_36_Months_D,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%
36 to 41 months	-	RDS%rate[4].RGIC.Published(36_<_42_Months_D,1000.0_-_4999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(36_<_42_Months_D,5000.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(36_<_42_Months_D,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(36_<_42_Months_D,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%
42 to 47 months	-	RDS%rate[4].RGIC.Published(42_<_48_Months_D,1000.0_-_4999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(42_<_48_Months_D,5000.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(42_<_48_Months_D,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(42_<_48_Months_D,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%
48 to 53 months	-	RDS%rate[4].RGIC.Published(48_<_54_Months_D,1000.0_-_4999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(48_<_54_Months_D,5000.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(48_<_54_Months_D,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(48_<_54_Months_D,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%
54 to 59 months	-	RDS%rate[4].RGIC.Published(54_<_60_Months_D,1000.0_-_4999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(54_<_60_Months_D,5000.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(54_<_60_Months_D,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(54_<_60_Months_D,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%
60 to 65 months	-	RDS%rate[4].RGIC.Published(60_<_66_Months_D,1000.0_-_4999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(60_<_66_Months_D,5000.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(60_<_66_Months_D,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(60_<_66_Months_D,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%
66 to 71 months	-	RDS%rate[4].RGIC.Published(66_<_72_Months_D,1000.0_-_4999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(66_<_72_Months_D,5000.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(66_<_72_Months_D,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(66_<_72_Months_D,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%
72 to 77 months	-	RDS%rate[4].RGIC.Published(72_<_78_Months_D,1000.0_-_4999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(72_<_78_Months_D,5000.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(72_<_78_Months_D,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(72_<_78_Months_D,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%
78 to 83 months	-	RDS%rate[4].RGIC.Published(78_<_84_Months_D,1000.0_-_4999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(78_<_84_Months_D,5000.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(78_<_84_Months_D,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(78_<_84_Months_D,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%
84 months	-	RDS%rate[4].RGIC.Published(84_null_null_Months_T,1000.0_-_4999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(84_null_null_Months_T,5000.0_-_99999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(84_null_null_Months_T,100000.0_-_249999.99_CAD_Balance,21,6)(#O3#)%	RDS%rate[4].RGIC.Published(84_null_null_Months_T,250000.0_-_999999.99_CAD_Balance,21,6)(#O3#)%

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CIBC is a member of Canada Deposit Insurance Corporation (CDIC).

^† Total promotional interest rate shown is annual and calculated by adding the current posted rate and an incremental bonus interest rate.

Posted rates are annual rates and are current as of today’s date and may be changed or withdrawn at any time without notice.

Promotional Rates — The following section only applies if above indicates the GIC is subject to a promotional rate

A. To receive a promotional rate, contact your Relationship Manager or Financial Advisor, if you work with one, and request the promotional rate available for the following CIBC Business GIC types: CIBC Bonus Rate, CIBC Flexible GIC and CIBC Variable Rate GIC. If you do not work with one of our relationship managers or financial advisors, contact our Business Client Advice Centre at 1-866-992-7223 Opens your phone app. and make this same request.

B. Promotional rates are as of today’s date.

C. Promotional rates are subject to change at any time. Rates shown are annual rates. Promotional rates apply only to new GIC purchases and will not apply to any subsequent renewals. Promotional rates shown are only applicable to CIBC Business GICs. CIBC Business GICs can only be purchased by corporations, unincorporated associations or individuals acting in their corporate capacity — such as in a sole proprietorship or partnership — and not their personal capacity.

D. The promotional rate indicated above may not be combined with any other rate offer.

E. To qualify for the promotional rate, eligible clients must open or have a CIBC Business Operating Account before purchasing the CIBC Business GIC.

¹ Rates are fixed for each GIC’s term. The minimum investment is $1,000 and the maximum is $999,999. The 30-day term minimum investment is $5,000.

Interest calculation: For terms less than one year, simple interest is paid at maturity. For terms one year or more, simple interest is calculated and paid monthly, semi-annually, or annually, depending on the payment option you select; or, compound interest is calculated annually and paid at maturity. For the monthly payment option, the annual interest rate will be 0.25% less than the rate shown. For the semi-annual payment option, the annual interest rate will be 0.125% less than the rate shown. A Bonus Rate GIC will automatically reinvest into a Bonus Rate GIC for the same term. You can change reinvestment instructions anytime by visiting a CIBC Banking Centre Opens in a new window.. Changes can also be made by calling CIBC Telephone Banking at 1-866-525-8622 Opens your phone app.. Where the maturity date falls on a non-business day the GIC will mature on the next business day.

² Rates are variable, and are equal to the CIBC Prime Rate less a fixed spread and will change one day after the CIBC Prime Rate changes. Rates apply to new Variable Rate GICs only. The minimum investment is $1,000 and the maximum is $999,999,999.

Interest calculation: Simple interest is paid at maturity. If funds are withdrawn or transferred within 29 days of purchase, no interest will be paid on those funds.

³ Rates are fixed for each GIC’s term. The minimum investment is $500 and the maximum is $999,999.

Interest calculation: Choose simple or compound interest. Simple interest is calculated and paid semi-annually or annually. Compound interest is calculated annually and paid at maturity.

⁴ Rates are fixed for each GIC’s term. The minimum investment is $5,000 for terms 30 to 59 days and $1,000 for terms 60 days or greater. The maximum is $999,999. The GIC is non-redeemable prior to maturity.

Interest calculation: Simple interest is paid at maturity.

⁵ Rates are fixed for each GIC’s term. The minimum investment is $1,000 for all interest payment options except monthly. The minimum for the monthly interest payment option is $5,000. The maximum investment is $999,999,999.

For terms one year or more, simple interest is calculated and paid monthly, semi-annually, or annually, depending on the payment option you select; or, compound interest is calculated annually and paid at maturity. For the monthly payment option, the annual interest rate will be 0.25% less than the rate shown. For the quarterly or semi-annual payment option, the annual interest rate will be 0.125% less than the rate shown.

⁶ Rates are fixed for each GIC’s term. The minimum investment is $2,500 ($500 for each of the 5 GIC terms) and the maximum is $4,999,999 ($999,999 for each of the 5 terms).

Interest calculation: Choose simple or compound interest. Simple interest is calculated and paid semi-annually or annually. Compound interest is calculated annually and paid at maturity.

⁷ Rates are fixed for each GIC’s term. The minimum investment is $25,000 and the maximum is $999,999. The GIC is non-redeemable prior to maturity.

Interest calculation: Simple interest is paid at maturity.

⁸ Rates are fixed for each GIC’s term. The minimum investment is $500 and the maximum is $999,999.

Interest calculation: Choose simple or compound interest. Simple interest is calculated and paid semi-annually or annually. Compound interest is calculated annually and paid at maturity.

Full or partial redemptions are only allowed on or up to 7 days after each anniversary of the purchase date. If you redeem within 7 days after an anniversary date, you get interest up to the redemption date based on the preceding years’ interest rates disclosed at time of purchase.

⁹ Rates are fixed for each GIC’s term. The minimum investment is $1,000 and the maximum is $999,999,999.

Interest calculation: Simple interest is paid at maturity. If funds are withdrawn or transferred within 29 days of purchase, no interest will be paid on those funds.

¹⁰ Rates are fixed for each GIC’s term. The minimum investment is $5,000 for terms 30 to 59 days and for all monthly interest payment options and $1,000 for terms 60 days or greater. The maximum is $999,999.

Interest calculation: For terms less than one year, simple interest is paid at maturity. For terms one year or more, simple interest is calculated and paid monthly, quarterly, semi-annually, or annually, depending on the payment option you select; or, compound interest is calculated annually and paid at maturity. For the monthly payment option, the annual interest rate will be 0.25% less than the rate shown. For the quarterly or semi-annual payment option, the annual interest rate will be 0.125% less than the rate shown.

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