The current CIBC Prime Rate is RDS%rate[1].PRIME.Published(null,null,null,null)(#O2#)% as of RDS%SYSTEM_DATE(#M# #d#, #Y#)%

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GIC rates

Guaranteed Investment Certificates (GICs)

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RDS%rate[4].BBLT.Published(24_null_null_Months_T,1000.0_-_4999.99_CAD_Balance,21,1)(#O2#)% + %rate[4].BBLT.Published(24_null_null_Months_T,1000.0_-_4999.99_CAD_Balance,17,1)(#O2#)% ^{†, ‡, 1}

2-year CIBC Bonus Rate GIC
Posted rate: RDS%rate[4].BBLT.Published(24_null_null_Months_T,1000.0_-_4999.99_CAD_Balance,21,1)(#O2#)%

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RDS%rate[4].BONUSTERM.Published(2_null_null_Year_T,500.0_-_1.0E9_CAD_Balance,21,1)(#O2#)% + %rate[4].BONUSTERM.Published(2_null_null_Year_T,500.0_-_1.0E9_CAD_Balance,17,1)(#O2#)% ^{†, 2}

2-year CIBC Bonus Rate RRSP GIC
Posted rate: RDS%rate[4].BONUSTERM.Published(2_null_null_Year_T,500.0_-_1.0E9_CAD_Balance,21,1)(#O2#)%

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RDS%rate[4].BBGICTF.Published(2_null_null_Year_T,500.0_-_1.0E9_CAD_Balance,21,1)(#O2#)% + %rate[4].BBGICTF.Published(2_null_null_Year_T,500.0_-_1.0E9_CAD_Balance,17,1)(#O2#)% ^{†, 2}

2-year CIBC Bonus Rate TFSA GIC
Posted rate: RDS%rate[4].BBGICTF.Published(2_null_null_Year_T,500.0_-_1.0E9_CAD_Balance,21,1)(#O2#)%

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RDS%rate[4].BBLT.Published(60_null_null_Months_T,1000.0_-_4999.99_CAD_Balance,21,1)(#O2#)% + %rate[4].BBLT.Published(60_null_null_Months_T,1000.0_-_4999.99_CAD_Balance,17,1)(#O2#)% ^{†, ‡, 1}

5-year CIBC Bonus Rate GIC
Posted rate: RDS%rate[4].BBLT.Published(60_null_null_Months_T,1000.0_-_4999.99_CAD_Balance,21,1)(#O2#)%

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RDS%rate[4].BBGICTF.Published(5_null_null_Year_T,500.0_-_1.0E9_CAD_Balance,21,1)(#O2#)% + %rate[4].BBGICTF.Published(5_null_null_Year_T,500.0_-_1.0E9_CAD_Balance,17,1)(#O2#)% ^{†, 2}

5-year CIBC Bonus Rate TFSA GIC
Posted rate: RDS%rate[4].BBGICTF.Published(5_null_null_Year_T,500.0_-_1.0E9_CAD_Balance,21,1)(#O2#)%

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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, call us at 1-866-525-8622 Opens your phone app..

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

Featured GICs

Let your savings do the heavy lifting with a GIC that protects 100% of your original investment while offering competitive rates.

CIBC Bonus Rate GIC — Non-registered and registered

Earn guaranteed interest at a great rate that won't change over your term.

CIBC Bonus Rate GIC — Non-registered¹

Term	$1,000 to $4,999	$5,000 to $999,999
30 days	n/a	RDS%rate[4].BBST/BBLT.rate(30_null_null_Days_T,5000.0_-_999999.99_CAD_Balance,1,1)(#O3#)%
90 days	RDS%rate[4].BBST/BBLT.rate(90_null_null_Days_T,1000.0_-_4999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].BBST/BBLT.rate(90_null_null_Days_T,5000.0_-_999999.99_CAD_Balance,1,1)(#O3#)%
180 days	RDS%rate[4].BBST/BBLT.rate(180_null_null_Days_T,1000.0_-_4999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].BBST/BBLT.rate(180_null_null_Days_T,5000.0_-_999999.99_CAD_Balance,1,1)(#O3#)%
270 days	RDS%rate[4].BBST/BBLT.rate(270_null_null_Days_T,1000.0_-_4999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].BBST/BBLT.rate(270_null_null_Days_T,5000.0_-_999999.99_CAD_Balance,1,1)(#O3#)%
12 months	RDS%rate[4].BBST/BBLT.rate(12_null_null_Months_T,1000.0_-_4999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].BBST/BBLT.rate(12_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,1,1)(#O3#)%
14 months	RDS%rate[4].BBST/BBLT.rate(14_null_null_Months_T,1000.0_-_4999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].BBST/BBLT.rate(14_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,1,1)(#O3#)%
17 months	RDS%rate[4].BBST/BBLT.rate(17_null_null_Months_T,1000.0_-_4999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].BBST/BBLT.rate(17_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,1,1)(#O3#)%
18 months	RDS%rate[4].BBST/BBLT.rate(18_null_null_Months_T,1000.0_-_4999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].BBST/BBLT.rate(18_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,1,1)(#O3#)%
24 months	RDS%rate[4].BBST/BBLT.rate(24_null_null_Months_T,1000.0_-_4999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].BBST/BBLT.rate(24_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,1,1)(#O3#)%
25 months	RDS%rate[4].BBST/BBLT.rate(25_null_null_Months_T,1000.0_-_4999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].BBST/BBLT.rate(25_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,1,1)(#O3#)%
30 months	RDS%rate[4].BBST/BBLT.rate(30_null_null_Months_T,1000.0_-_4999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].BBST/BBLT.rate(30_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,1,1)(#O3#)%
36 months	RDS%rate[4].BBST/BBLT.rate(36_null_null_Months_T,1000.0_-_4999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].BBST/BBLT.rate(36_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,1,1)(#O3#)%
48 months	RDS%rate[4].BBST/BBLT.rate(48_null_null_Months_T,1000.0_-_4999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].BBST/BBLT.rate(48_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,1,1)(#O3#)%
60 months	RDS%rate[4].BBST/BBLT.rate(60_null_null_Months_T,1000.0_-_4999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].BBST/BBLT.rate(60_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,1,1)(#O3#)%

CIBC Bonus Rate RRSP GIC²

Term	Rate
1 year	RDS%rate[4].BONUSTERM.rate(1_null_null_Year_T,null,1,1)(#O3#)%
2 year	RDS%rate[4].BONUSTERM.rate(2_null_null_Year_T,null,1,1)(#O3#)%
5 year	RDS%rate[4].BONUSTERM.Published(5_null_null_Year_T,null,1,1)(#O3#)%

CIBC Bonus Rate TFSA GIC²

Term	Rate
1 year	RDS%rate[4].BBGICTF.rate(1_null_null_Year_T,null,1,1)(#O3#)%
2 year	RDS%rate[4].BBGICTF.rate(2_null_null_Year_T,null,1,1)(#O3#)%
3 year	RDS%rate[4].BBGICTF.rate(3_null_null_Year_T,null,1,1)(#O3#)%
4 year	RDS%rate[4].BBGICTF.rate(4_null_null_Year_T,null,1,1)(#O3#)%
5 year	RDS%rate[4].BBGICTF.rate(5_null_null_Year_T,null,1,1)(#O3#)%

CIBC Bonus Rate RRIF GIC²

Term	Rate
1 year	RDS%rate[4].BONUSGIC.rate(1_null_null_Year_T,null,1,1)(#O3#)%
2 year	RDS%rate[4].BONUSGIC.rate(2_null_null_Year_T,null,1,1)(#O3#)%
5 year	RDS%rate[4].BONUSGIC.rate(5_null_null_Year_T,null,1,1)(#O3#)%

CIBC Bonus Rate LIF GIC²

Term	Rate
1 year	RDS%rate[4].BONUSGIC.rate(1_null_null_Year_T,null,1,1)(#O3#)%
2 years	RDS%rate[4].BONUSGIC.rate(2_null_null_Year_T,null,1,1)(#O3#)%
5 years	RDS%rate[4].BONUSGIC.rate(5_null_null_Year_T,null,1,1)(#O3#)%

CIBC EasyBuilder GIC™ — Non-registered ³

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

CIBC Flexible GIC® — Non-registered and registered

Enjoy guaranteed returns with the freedom to access your money when you need it.

CIBC Flexible Rate GIC — Non-registered⁴

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
365 to 375	RDS%rate[4].FLGIC.rate(365_-_375_Days_D,1000.0_-_4999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].FLGIC.rate(365_-_375_Days_D,5000.0_-_24999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].FLGIC.rate(365_-_375_Days_D,25000.0_-_99999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].FLGIC.rate(365_-_375_Days_D,100000.0_-_249999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].FLGIC.rate(365_-_375_Days_D,250000.0_-_499999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].FLGIC.rate(365_-_375_Days_D,500000.0_-_999999.99_CAD_Balance,1,1)(#O3#)%

CIBC Flexible RRSP GIC⁵

Term	Rate
1 year	RDS%rate[4].FLEXI.rate(1_null_null_Year_T,null,1,1)(#O3#)%

CIBC Flexible TFSA GIC⁵

Term	Rate
1 year	RDS%rate[4].FLEXITF.Published(1_null_null_Year_T,null,1,1)(#O3#)%

CIBC Market Linked GICs — Non-registered and registered

CIBC Variable Rate GIC — Non-registered ⁶

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 year	RDS%rate[4].VRGIC.rate(1_null_null_Year_T,1000.0_-_24999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].VRGIC.rate(1_null_null_Year_T,25000.0_-_99999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].VRGIC.rate(1_null_null_Year_T,100000.0_-_249999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].VRGIC.rate(1_null_null_Year_T,250000.0_-_499999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].VRGIC.rate(1_null_null_Year_T,500000.0_-_999999.99_CAD_Balance,1,1)(#O3#)%

Other GICs

For more information about these GICs, visit a CIBC Banking Centre Opens a new window in your browser..

CIBC Cashable Escalating Rate GIC ^® (3 year) — Non-registered and registered

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

CIBC Cashable Escalating Rate GIC (3 year) — Non-registered⁷

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

CIBC Cashable Escalating Rate RRSP GIC (3 year)⁷

Investment amount	Year 1	Year 2	Year 3	Effective yield
$500 to $999,999	RDS%rate[4].RCSTEPRATE.rate(1_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].RCSTEPRATE.rate(2_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].RCSTEPRATE.rate(3_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].RCSTEPRATE.rate(null,500.0_-_999999.99_CAD_Balance,11,1)(#R#)%

CIBC Cashable Escalating Rate TFSA GIC (3 year)⁷

Investment amount	Year 1	Year 2	Year 3	Effective yield
$500 to $999,999	RDS%rate[4].3RESCTF.rate(1_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].3RESCTF.rate(2_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].3RESCTF.rate(3_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].3RESCTF.rate(null,500.0_-_999999.99_CAD_Balance,11,1)(#R#)%

CIBC Cashable Escalating Rate GIC ^® (5 year) — Non-registered and registered

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

CIBC Cashable Escalating Rate GIC (5 year) — Non-registered⁷

Investment amount	Year 1	Year 2	Year 3	Year 4	Year 5	Effective yield
$500 to $99,999	RDS%rate[4].ER5.rate(1_null_null_Year_T,500.0_-_99999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].ER5.rate(2_null_null_Year_T,500.0_-_99999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].ER5.rate(3_null_null_Year_T,500.0_-_99999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].ER5.rate(4_null_null_Year_T,500.0_-_99999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].ER5.rate(5_null_null_Year_T,500.0_-_99999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].ER5.Published(null,500.0_-_99999.99_CAD_Balance,11,1)(#O4#)%
$100,000 to $249,999	RDS%rate[4].ER5.rate(1_null_null_Year_T,100000.0_-_249999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].ER5.rate(2_null_null_Year_T,100000.0_-_249999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].ER5.rate(3_null_null_Year_T,100000.0_-_249999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].ER5.rate(4_null_null_Year_T,100000.0_-_249999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].ER5.rate(5_null_null_Year_T,100000.0_-_249999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].ER5.Published(null,100000.0_-_249999.99_CAD_Balance,11,1)(#O4#)%
$250,000 to $999,999	RDS%rate[4].ER5.rate(1_null_null_Year_T,250000.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].ER5.rate(2_null_null_Year_T,250000.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].ER5.rate(3_null_null_Year_T,250000.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].ER5.rate(4_null_null_Year_T,250000.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].ER5.rate(5_null_null_Year_T,250000.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].ER5.Published(null,250000.0_-_999999.99_CAD_Balance,11,1)(#O4#)%

CIBC Cashable Escalating Rate RRSP GIC (5 year)⁷

Investment amount	Year 1	Year 2	Year 3	Year 4	Year 5	Effective yield
$500 to $999,999	RDS%rate[4].RATE5RESC.rate(1_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].RATE5RESC.rate(2_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].RATE5RESC.rate(3_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].RATE5RESC.rate(4_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].RATE5RESC.rate(5_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].RATE5RESC.Published(null,500.0_-_999999.99_CAD_Balance,11,1)(#O4#)%

CIBC Cashable Escalating Rate TFSA GIC (5 year)⁷

Investment amount	Year 1	Year 2	Year 3	Year 4	Year 5	Effective yield
$500 to $999,999	RDS%rate[4].5RESCTF.rate(1_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].5RESCTF.rate(2_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].5RESCTF.rate(3_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].5RESCTF.rate(4_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].5RESCTF.rate(5_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].5RESCTF.Published(null,500.0_-_999999.99_CAD_Balance,11,1)(#O4#)%

CIBC Escalating Rate GIC ^® (3 year) — Non-registered and registered

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

CIBC Escalating Rate GIC (3 year) — Non-registered⁸

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

CIBC Escalating Rate RRSP GIC (3-year)⁹

Investment amount	Year 1	Year 2	Year 3	Effective yield
$500 to $999,999	RDS%rate[4].NCSTEPRATE.rate(1_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].NCSTEPRATE.rate(2_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].NCSTEPRATE.rate(3_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].NCSTEPRATE.rate(null,500.0_-_999999.99_CAD_Balance,11,1)(#R#)%

CIBC Escalating Rate TFSA GIC (3 year)⁹

Investment amount	Year 1	Year 2	Year 3	Effective yield
$500 to $999,999	RDS%rate[4].3NESCTF.rate(1_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].3NESCTF.rate(2_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].3NESCTF.rate(3_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].3NESCTF.rate(null,500.0_-_999999.99_CAD_Balance,11,1)(#R#)%

CIBC Escalating Rate RRIF GIC (3 year)⁹

Investment amount	Year 1	Year 2	Year 3	Effective yield
$500 to $999,999	RDS%rate[4].ESGIC3.rate(1_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].ESGIC3.rate(2_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].ESGIC3.rate(3_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].ESGIC3.rate(null,500.0_-_999999.99_CAD_Balance,11,1)(#R#)%

CIBC Escalating Rate LIF GIC (3 year)⁹

Investment amount	Year 1	Year 2	Year 3	Effective yield
$500 to $999,999	RDS%rate[4].ESGIC3.rate(1_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].ESGIC3.rate(2_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].ESGIC3.rate(3_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].ESGIC3.rate(null,500.0_-_999999.99_CAD_Balance,11,1)(#R#)%

CIBC Escalating Rate GIC ^® (5 year) — Non-registered and registered

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

CIBC Escalating Rate GIC (5 year) — Non-registered⁸

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

CIBC Escalating Rate RRSP GIC (5 year)⁹

Investment amount	Year 1	Year 2	Year 3	Year 4	Year 5	Effective yield
$500 to $999,999	RDS%rate[4].RATE5NESC.rate(1_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].RATE5NESC.rate(2_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].RATE5NESC.rate(3_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].RATE5NESC.rate(4_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].RATE5NESC.rate(5_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].RATE5NESC.rate(null,500.0_-_999999.99_CAD_Balance,11,1)(#R#)%

CIBC Escalating Rate TFSA GIC (5 year)⁹

Investment amount	Year 1	Year 2	Year 3	Year 4	Year 5	Effective yield
$500 to $999,999	RDS%rate[4].5NESCTF.rate(1_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].5NESCTF.rate(2_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].5NESCTF.rate(3_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].5NESCTF.rate(4_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].5NESCTF.rate(5_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].5NESCTF.rate(null,500.0_-_999999.99_CAD_Balance,11,1)(#R#)%

CIBC Escalating Rate RRIF GIC (5 year)⁹

Investment amount	Year 1	Year 2	Year 3	Year 4	Year 5	Effective yield
$500 to $999,999	RDS%rate[4].ESGIC5.rate(1_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].ESGIC5.rate(2_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].ESGIC5.rate(3_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].ESGIC5.rate(4_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].ESGIC5.rate(5_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].ESGIC5.rate(null,500.0_-_999999.99_CAD_Balance,11,1)(#R#)%

CIBC Escalating Rate LIF GIC (5 year)⁹

Investment amount	Year 1	Year 2	Year 3	Year 4	Year 5	Effective yield
$500 to $999,999	RDS%rate[4].ESGIC5.rate(1_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].ESGIC5.rate(2_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].ESGIC5.rate(3_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].ESGIC5.rate(4_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].ESGIC5.rate(5_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].ESGIC5.rate(null,500.0_-_999999.99_CAD_Balance,11,1)(#R#)%

CIBC LIF GIC ²

Term	Rate
6 to 10 months	RDS%rate[4].CASHABLE.rate(6_-_10_Months_D,null,1,1)(#O3#)%
11 to 13 months	RDS%rate[4].CASHABLE.rate(11_-_13_Months_D,null,1,1)(#O3#)%
14 to 17 months	RDS%rate[4].CASHABLE.rate(14_-_17_Months_D,null,1,1)(#O3#)%
18 to 22 months	RDS%rate[4].CASHABLE.rate(18_-_22_Months_D,null,1,1)(#O3#)%
23 to 29 months	RDS%rate[4].CASHABLE.rate(23_-_29_Months_D,null,1,1)(#O3#)%
30 to 34 months	RDS%rate[4].CASHABLE.rate(30_-_34_Months_D,null,1,1)(#O3#)%
35 to 46 months	RDS%rate[4].CASHABLE.rate(35_-_46_Months_D,null,1,1)(#O3#)%
47 to 58 months	RDS%rate[4].CASHABLE.rate(47_-_58_Months_D,null,1,1)(#O3#)%
59 to 60 months	RDS%rate[4].CASHABLE.rate(59_-_60_Months_D,null,1,1)(#O3#)%

CIBC Long-Term GIC — Non-registered ¹⁰

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.

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

CIBC Redeemable GIC — Non-registered ¹¹

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.

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

CIBC RRIF GIC ²

Term	Rate
6 to 10 months	RDS%rate[4].CASHABLE.rate(6_-_10_Months_D,null,1,1)(#O3#)%
11 to 13 months	RDS%rate[4].CASHABLE.rate(11_-_13_Months_D,null,1,1)(#O3#)%
14 to 17 months	RDS%rate[4].CASHABLE.rate(14_-_17_Months_D,null,1,1)(#O3#)%
18 to 22 months	RDS%rate[4].CASHABLE.rate(18_-_22_Months_D,null,1,1)(#O3#)%
23 to 29 months	RDS%rate[4].CASHABLE.rate(23_-_29_Months_D,null,1,1)(#O3#)%
30 to 34 months	RDS%rate[4].CASHABLE.rate(30_-_34_Months_D,null,1,1)(#O3#)%
35 to 46 months	RDS%rate[4].CASHABLE.rate(35_-_46_Months_D,null,1,1)(#O3#)%
47 to 58 months	RDS%rate[4].CASHABLE.rate(47_-_58_Months_D,null,1,1)(#O3#)%
59 to 60 months	RDS%rate[4].CASHABLE.rate(59_-_60_Months_D,null,1,1)(#O3#)%

CIBC RRSP GIC (Non-Redeemable) ²

Term	Rate
2 to 4 months	RDS%rate[4].NON-REDEEMABLE.rate(2_-_4_Months_D,null,1,1)(#O3#)%
5 to 8 months	RDS%rate[4].NON-REDEEMABLE.rate(5_-_8_Months_D,null,1,1)(#O3#)%
9 to 10 months	RDS%rate[4].NON-REDEEMABLE.rate(9_-_10_Months_D,null,1,1)(#O3#)%
11 to 13 months	RDS%rate[4].NON-REDEEMABLE.rate(11_-_13_Months_D,null,1,1)(#O3#)%
14 to 17 months	RDS%rate[4].NON-REDEEMABLE.rate(14_-_17_Months_D,null,1,1)(#O3#)%
18 to 22 months	RDS%rate[4].NON-REDEEMABLE.rate(18_-_22_Months_D,null,1,1)(#O3#)%
23 to 25 months	RDS%rate[4].NON-REDEEMABLE.rate(23_-_25_Months_D,null,1,1)(#O3#)%
26 to 29 months	RDS%rate[4].NON-REDEEMABLE.rate(26_-_29_Months_D,null,1,1)(#O3#)%
30 to 34 months	RDS%rate[4].NON-REDEEMABLE.rate(30_-_34_Months_D,null,1,1)(#O3#)%
36 to 46 months	RDS%rate[4].NON-REDEEMABLE.rate(36_-_46_Months_D,null,1,1)(#O3#)%
47 to 49 months	RDS%rate[4].NON-REDEEMABLE.rate(47_-_49_Months_D,null,1,1)(#O3#)%
50 to 58 months	RDS%rate[4].NON-REDEEMABLE.rate(50_-_58_Months_D,null,1,1)(#O3#)%
60 months	RDS%rate[4].NON-REDEEMABLE.rate(60_-_60_Months_D,null,1,1)(#O3#)%

CIBC RRSP GIC (Redeemable) ²

Term	Rate
9 to 10 months	RDS%rate[4].REDEEMABLE.rate(9_-_10_Months_D,null,1,1)(#O3#)%
11 to 13 months	RDS%rate[4].REDEEMABLE.rate(11_-_13_Months_D,null,1,1)(#O3#)%
14 to 17 months	RDS%rate[4].REDEEMABLE.rate(14_-_17_Months_D,null,1,1)(#O3#)%
18 to 22 months	RDS%rate[4].REDEEMABLE.rate(18_-_22_Months_D,null,1,1)(#O3#)%
23 to 29 months	RDS%rate[4].REDEEMABLE.rate(23_-_29_Months_D,null,1,1)(#O3#)%
30 to 34 months	RDS%rate[4].REDEEMABLE.rate(30_-_34_Months_D,null,1,1)(#O3#)%
35 to 36 months	RDS%rate[4].REDEEMABLE.rate(35_-_36_Months_D,null,1,1)(#O3#)%

CIBC Save-Up GIC — Non-registered ¹²

Term	On maturity
30 to 59 days	RDS%rate[4].SVGIC.rate(30_-_59_Days_D,25.0_-_10000.0_CAD_Balance,1,1)(#O3#)%
60 to 89 days	RDS%rate[4].SVGIC.rate(60_-_89_Days_D,25.0_-_10000.0_CAD_Balance,1,1)(#O3#)%
90 days	RDS%rate[4].SVGIC.rate(90_null_null_Days_D,25.0_-_10000.0_CAD_Balance,1,1)(#O3#)%

CIBC Short-Term GIC — Non-registered ¹³

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.

RDS%rate[4].STGIC.rate(180_-_269_Days_D,250000.0_-_999999.99_CAD_Balance,1,1)(#T3#)%

Term	$1,000 to $4,999	$5,000 to $24,999	$25,000 to $99,999	$100,000 to $249,999	$250,000 to $999,999
1 to 29 days	n/a	n/a	n/a	n/a	n/a
30 to 59 days	n/a	RDS%rate[4].STGIC.rate(30_-_59_Days_D,5000.0_-_24999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].STGIC.rate(30_-_59_Days_D,25000.0_-_99999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].STGIC.rate(30_-_59_Days_D,100000.0_-_249999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].STGIC.rate(30_-_59_Days_D,250000.0_-_999999.99_CAD_Balance,1,1)(#T3#)%
60 to 89 days	RDS%rate[4].STGIC.rate(60_-_89_Days_D,1000.0_-_4999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].STGIC.rate(60_-_89_Days_D,5000.0_-_24999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].STGIC.rate(60_-_89_Days_D,25000.0_-_99999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].STGIC.rate(60_-_89_Days_D,100000.0_-_249999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].STGIC.rate(60_-_89_Days_D,250000.0_-_999999.99_CAD_Balance,1,1)(#T3#)%
90 to 119 days	RDS%rate[4].STGIC.rate(90_-_119_Days_D,1000.0_-_4999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].STGIC.rate(90_-_119_Days_D,5000.0_-_24999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].STGIC.rate(90_-_119_Days_D,25000.0_-_99999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].STGIC.rate(90_-_119_Days_D,100000.0_-_249999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].STGIC.rate(90_-_119_Days_D,250000.0_-_999999.99_CAD_Balance,1,1)(#T3#)%
120 to 179 days	RDS%rate[4].STGIC.rate(120_-_179_Days_D,1000.0_-_4999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].STGIC.rate(120_-_179_Days_D,5000.0_-_24999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].STGIC.rate(120_-_179_Days_D,25000.0_-_99999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].STGIC.rate(120_-_179_Days_D,100000.0_-_249999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].STGIC.rate(120_-_179_Days_D,250000.0_-_999999.99_CAD_Balance,1,1)(#T3#)%
180 to 269 days	RDS%rate[4].STGIC.rate(180_-_269_Days_D,1000.0_-_4999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].STGIC.rate(180_-_269_Days_D,5000.0_-_24999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].STGIC.rate(180_-_269_Days_D,25000.0_-_99999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].STGIC.rate(180_-_269_Days_D,100000.0_-_249999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].STGIC.rate(180_-_269_Days_D,250000.0_-_999999.99_CAD_Balance,1,1)(#T3#)%
270 to 364 days	RDS%rate[4].STGIC.rate(270_-_364_Days_D,1000.0_-_4999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].STGIC.rate(270_-_364_Days_D,5000.0_-_24999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].STGIC.rate(270_-_364_Days_D,25000.0_-_99999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].STGIC.rate(270_-_364_Days_D,100000.0_-_249999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].STGIC.rate(270_-_364_Days_D,250000.0_-_999999.99_CAD_Balance,1,1)(#T3#)%

CIBC T-Bill Rate GIC — Non-registered ¹⁴

Term	$25,000 to $49,999	$50,000 to$99,999	$100,000 to $200,000
90 to 100 days	RDS%rate[4].TBGIC.rate(90_-_100_Days_D,25000.0_-_49999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].TBGIC.rate(90_-_100_Days_D,50000.0_-_99999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].TBGIC.rate(90_-_100_Days_D,100000.0_-_199999.99_CAD_Balance,1,1)(#O3#)%

CIBC TFSA GIC (Non-Redeemable) ²

Term	Rate
2 to 4 months	RDS%rate[4].NCGICTF.rate(2_-_4_Months_D,null,1,1)(#O3#)%
5 to 8 months	RDS%rate[4].NCGICTF.rate(5_-_8_Months_D,null,1,1)(#O3#)%
9 to 10 months	RDS%rate[4].NCGICTF.rate(9_-_10_Months_D,null,1,1)(#O3#)%
11 to 13 months	RDS%rate[4].NCGICTF.rate(11_-_13_Months_D,null,1,1)(#O3#)%
14 to 17 months	RDS%rate[4].NCGICTF.rate(14_-_17_Months_D,null,1,1)(#O3#)%
18 to 22 months	RDS%rate[4].NCGICTF.rate(18_-_22_Months_D,null,1,1)(#O3#)%
23 to 25 months	RDS%rate[4].NCGICTF.rate(23_-_25_Months_D,null,1,1)(#O3#)%
26 to 29 months	RDS%rate[4].NCGICTF.rate(26_-_29_Months_D,null,1,1)(#O3#)%
30 to 34 months	RDS%rate[4].NCGICTF.rate(30_-_34_Months_D,null,1,1)(#O3#)%
36 to 46 months	RDS%rate[4].NCGICTF.rate(36_-_46_Months_D,null,1,1)(#O3#)%
47 to 49 months	RDS%rate[4].NCGICTF.rate(47_-_49_Months_D,null,1,1)(#O3#)%
50 to 58 months	RDS%rate[4].NCGICTF.rate(50_-_58_Months_D,null,1,1)(#O3#)%
60 months	RDS%rate[4].NCGICTF.rate(60_-_60_Months_D,null,1,1)(#O3#)%

CIBC TFSA GIC (Redeemable) ²

Term	Rate
9 to 10 months	RDS%rate[4].RCGICTF.rate(9_-_10_Months_D,null,1,1)(#O3#)%
11 to 13 months	RDS%rate[4].RCGICTF.rate(11_-_13_Months_D,null,1,1)(#O3#)%
14 to 17 months	RDS%rate[4].RCGICTF.rate(14_-_17_Months_D,null,1,1)(#O3#)%
18 to 22 months	RDS%rate[4].RCGICTF.rate(18_-_22_Months_D,null,1,1)(#O3#)%
23 to 29 months	RDS%rate[4].RCGICTF.rate(23_-_29_Months_D,null,1,1)(#O3#)%
30 to 34 months	RDS%rate[4].RCGICTF.rate(30_-_34_Months_D,null,1,1)(#O3#)%
35 to 36 months	RDS%rate[4].RCGICTF.rate(35_-_36_Months_D,null,1,1)(#O3#)%

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^†Your total interest rate is annual and calculated by adding the posted rate and your promotional rate.

Posted rates are annual rates and are current as of today’s date RDS%SYSTEM_DATE(#M# #d#, #Y#)% and may be changed or withdrawn at any time without notice.

Promotional Rates (The following section only applies if above indicates your GIC is subject to a promotional rate)

A. Promotional rates are as of today’s date RDS%SYSTEM_DATE(#M# #d#, #Y#)%.

B. 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 are not applicable for non-personal clients.

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

^‡ Annual rate is current as of RDS%SYSTEM_DATE(#M# #d#, #Y#)% and may be changed or withdrawn at any time without notice. The rate applies to a 1-year, non-redeemable CIBC Bonus Rate GIC (non-registered and registered).

For the non-registered Bonus Rate GIC, the rate is for the $1,000 to $4,999 investment tier (refer to GIC rates). This rate is only applicable for the ‘At maturity’ interest payment frequency. Promo and total interest rates may be lower if you select a different interest payment frequency.

Interest on non-registered GICs: For terms less than 1 year, simple interest is calculated and paid at maturity. For terms 1 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 (except if held by clients who are 60 years of age and older). For the semi-annual payment option, the annual interest rate will be 0.125% less than the rate shown.

Interest on registered GICs: For terms of 1 year or less, simple interest is calculated and paid at maturity. For terms over a year, compound interest will be calculated annually and paid at maturity.

¹ For the CIBC Bonus Rate GIC, the minimum investment is $1,000 and maximum is $999,999.

Interest on non-registered GICs: 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 (except if held by clients who are 60 years of age and older). 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. or by calling CIBC Telephone Banking at 1-800-465-3863 Opens your phone app.. Where the maturity date falls on a non-business day the GIC will mature on the next business day.

² The rates are fixed for each GIC’s term. The minimum investment is $500. The maximum investment is $999,999. To open a CIBC RRIF or LIF account, you need a minimum balance of $5,000.

Interest calculation: For terms of one year or less, simple interest is calculated and paid at maturity. For terms over a year, compound interest will be calculated annually and paid at maturity. If a GIC is redeemed before maturity to transfer funds to the same account type at another financial institution, no interest will be paid and a transfer fee will apply. A Bonus Rate RRSP GIC will automatically reinvest into a Bonus Rate RRSP GIC for the same term. A Bonus Rate TFSA GIC will automatically reinvest into a Bonus Rate TFSA GIC for the same term. You can change reinvestment instructions anytime by visiting a CIBC Banking Centre Opens in a new window. or by calling CIBC Telephone Banking at 1-800-465-3863 Opens your phone app..

³ The minimum investment is $2,500 ($500 for each of the 5 GIC terms) 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 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.

⁵ The minimum investment is $500 and the maximum is $999,999. Rates are fixed for each GIC’s term.

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. If a GIC is redeemed before maturity to transfer funds to the same account type at a different financial institution, no interest will be paid and a transfer fee will apply.

⁶ The minimum investment is $500, the maximum investment is $999,999. These annual rates 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. Simple interest is paid at maturity.

⁷ Rates are fixed for each GIC’s term. The minimum investment is $500.

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 seven 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.

⁸ Rates are fixed for each GIC’s term. The minimum investment is $500. To open a CIBC RRIF or LIF account, you need a minimum balance of $5,000.

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. If a GIC is redeemed before maturity to transfer funds to the same account type at another financial institution, no interest will be paid and a transfer fee will apply.

⁹ Rates are fixed for each GIC’s term. The minimum investment is $500.

Interest calculation: Compound interest is calculated annually and paid at maturity. If a GIC is redeemed before maturity to transfer funds to the same account type at another financial institution, no interest will be paid and a transfer fee will apply.

¹⁰ Rates are fixed for each GIC’s term. The minimum investment is $1,000 for all interest payment options except monthly. The minimum investment for the monthly interest payment option is $5,000. There is no maximum investment amount.

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 (except if held by clients who are 60 years of age and older). For the quarterly or semi-annual payment option, the annual interest rate will be 0.125% less than the rate shown.

¹¹ Rates are fixed for each GIC’s term. The minimum investment is $1,000 for a term of 60-days or greater and for all interest payment options except for monthly. For terms less than 60-days or if you choose the monthly payment option, the minimum 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, 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 (except if held by clients who are 60 years of age and older). For the quarterly or semi-annual payment option, the annual interest rate will be 0.125% less than the rate shown.

¹² Rates are fixed for each GIC’s term. The minimum investment is $500 and the maximum is $250,000 (principal and interest).

Interest calculation: Simple interest is calculated and added to your principal on each contribution date so you can benefit from continuous compounding. When it's time to cash out, your accumulated contribution amount and all earned interest are returned to you on your next scheduled contribution date.

¹³ Rates are fixed for each GIC’s term. The minimum investment is $1,000 for a term 30 days or greater. The 30-day term minimum is $5,000. There is no maximum investment amount.

Interest calculation: Simple interest is paid at maturity.

¹⁴ Rates are fixed for each GIC’s term. The minimum investment is $25,000 and the maximum is $200,000.

Interest calculation: Simple interest is paid at maturity.

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