GIC rates

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

Review all other product rates

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 Learn more

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 Learn more

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 Learn more

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 Learn more

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

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.

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.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.

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
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)

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.

Learn moreLearn more about the CIBC 5 year Escalating Rate G I C

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.

Learn moreLearn more about the CIBC Bonus Rate G I C

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

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

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

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)

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.

Learn moreLearn more about the CIBC 5 year Cashable Escalating Rate G I C

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

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 GIC ³

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.

Learn moreLearn more about the CIBC Redeeemable G I C

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#)%

Explore: TFSA rates, RRSP rates, Mutual fund rates, RRIF and LIF rates

Tools and calculators

Advice and resources

Get Started

Purchase a GIC

Call us: 1-800-465-3863

Need to Meet?
Meet with us

Find a branch

GIC rates

LIMITED TIME OFFER

Enjoy an irresistible GIC rate

Need to meet?