GIC rates

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

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CIBC Bonus Rate GIC

RDS%rate[4].BBST/BBLT.Published(180_null_null_Days_T,1000.0_-_4999.99_CAD_Balance,1,1)(#O2#)%

6-month term

Earn interest at a premium rate for a limited time

Choose from a variety of terms

Guaranteed principal and interest

Purchase now

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CIBC Variable Rate GIC

RDS%rate[4].VRGIC.Published(1_null_null_Year_T,1000.0_-_24999.99_CAD_Balance,1,1)(#O2#)%

1-year term

Earn more when the CIBC Prime Rate goes up

Cash out when you want

Guaranteed principal and interest

Purchase now

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CIBC Escalating Rate GIC (3 or 5-year)

RDS%rate[4].ENGIC.Published(null,500.0_-_99999.99_CAD_Balance,11,1)(#O2#)%

3-year effective yield

Choose between a 3 or 5-year term

Start with as low as $500

Guaranteed principal and interest

Purchase now

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

RDS%rate[4].ERGIC.Published(null,500.0_-_99999.99_CAD_Balance,11,1)(#O2#)%

3-year effective yield

Have access to your money

Choose between 3 or 5-year term

Guaranteed principal and interest

Purchase now

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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, contact us at 1-866-525-8622.

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

CIBC Special Offer GIC

For a limited time, enjoy a premium RDS%rate[4].BBGIC.Published(60_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,1,1)(#O2#)%* rate. Available on a 60-month term.

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Term	$1,000 to $4,999	$5,000 to $999,999
12 months	RDS%rate[4].BBGIC.Published(12_null_null_Months_T,1000.0_-_4999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].BBGIC.Published(12_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,1,1)(#O3#)%
18 months	RDS%rate[4].BBGIC.Published(18_null_null_Months_T,1000.0_-_4999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].BBGIC.Published(18_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,1,1)(#O3#)%
30 months	RDS%rate[4].BBGIC.Published(30_null_null_Months_T,1000.0_-_4999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].BBGIC.Published(30_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,1,1)(#O3#)%
60 months	RDS%rate[4].BBGIC.Published(60_null_null_Months_T,1000.0_-_4999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].BBGIC.Published(60_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,1,1)(#O3#)%

CIBC Short-Term GIC

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.

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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.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,25000.0_-_99999.99_CAD_Balance,1,1)(#O3#)%
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,25000.0_-_99999.99_CAD_Balance,1,1)(#O3#)%
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,25000.0_-_99999.99_CAD_Balance,1,1)(#O3#)%
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,25000.0_-_99999.99_CAD_Balance,1,1)(#O3#)%
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,25000.0_-_99999.99_CAD_Balance,1,1)(#O3#)%
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,25000.0_-_99999.99_CAD_Balance,1,1)(#O3#)%

CIBC Long-Term GIC

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.

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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 Escalating Rate GIC^® (3 year)

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

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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 GIC^® (5 year)

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

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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 Bonus Rate GIC

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

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Term	$1,000 to $4,999	$5,000 to $999,999
30 days¹	-	RDS%rate[4].BBST/BBLT.rate(30_null_null_Days_T,5000.0_-_999999.99_CAD_Balance,1,1)(#O3#)%
90 days¹	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 days¹	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 days¹	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 months¹	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 months¹	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 months¹	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 months¹	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 months¹	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 EasyBuilder GIC^TM2

The CIBC EasyBuilder GIC takes a popular investment strategy called "laddering" and packages it into a one-stop GIC solution that helps you maximize your returns over time.

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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 T-Bill Rate GIC

With a CIBC T-Bill Rate GIC, you deposit your money with us for 90 to 100 days, and earn interest at a fixed rate which is higher than our regular 90-day GIC rate.

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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 Save-Up GIC

CIBC Save-Up GIC lets you schedule regular contributions from your everyday CIBC bank account into a short-term investment.

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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 Cashable Escalating Rate GIC^® (3 year)

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.

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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 GIC^® (5 year)

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.

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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 Flexible GIC

The CIBC Flexible GIC guarantees your principal and interest, while giving you the option to cash out early, after 30 days, without penalty.

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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 Variable Rate GIC³

The CIBC Variable Rate GIC guarantees your principal, while offering you a variable interest rate that is linked to the CIBC Prime Rate and the option to cash out early, after 30 days, without penalty.

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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#)%

CIBC Redeemable GIC

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.

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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.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	-	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	-	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	-	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	-	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	-	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	-	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	-	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	-	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	-	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	-	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	-	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	-	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	-	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	-	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	-	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	-	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	-	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	-	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#)%

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* Rates may be changed or withdrawn at any time without notice. Annual rates are current as of March 16, 2018, and applies only to a non-registered CIBC Special Offer GIC, available to CIBC personal and non-personal clients, with interest paid annually or at maturity. If you want interest paid semi-annually or monthly, a lower rate may apply. Compound interest is calculated annually and paid at maturity; simple interest is paid monthly, semi-annually or annually. Minimum investment of $1,000.

^‡ Interest rates quoted are for Special Offer GICs with interest paid annually or at maturity. For Special Offer GICs with simple interest paid semi-annually, interest rates are 0.125% less than the rates shown above; for the Special Offer GICs with simple interest paid monthly (except those held by CIBC 60 Plus Advantage^® customers), the rates are 0.25% less than the rates shown above. Rate may be changed or withdrawn at any time without notice. Conditions apply.

^◊ To buy through telephone banking, you need to have a CIBC bank account or CIBC GIC already.

¹ CIBC Bonus Rate GIC rate offers are currently available on these terms.

² A minimum investment of $2,500 ($500 for each of the 5 terms) is required to invest in this product.

³ Rates shown are annual rates, and 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.

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