RRIF and LIF GIC rates

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

Boost your income in retirement CIBC Bonus Rate RRIF GIC

Earn interest at a premium rate to maximize growth within your RRIF.

Learn more about RIFF and LIF GIC Rates

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The rates shown are for at-maturity interest payment options and may change without prior notice.

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

CIBC RRIF GIC ¹ Show or hide

The CIBC RRIF GIC allows you to safely lock in your investment for 6 months to 5 years, with guaranteed principal and interest.

Learn moreLearn more about the CIBC R R I F, G I C

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 Life Income Fund (LIF) GIC ¹ Show or hide

The CIBC LIF GIC allows you to safely lock in your investment for 6 months to 5 years, with guaranteed principal and interest.

Learn moreLearn more about the CIBC L I F, G I C

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 Bonus Rate RRIF GIC ¹ Show or hide

The CIBC Bonus Rate RRIF GIC guarantees your principal and offers interest at a premium rate allowing you to maximize growth within your CIBC RRIF.

Learn moreLearn more about the CIBC Bonus Rate R R I F, G I C

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 GIC ¹ Show or hide

The CIBC Bonus Rate LIF GIC guarantees your principal and offers interest at a premium rate allowing you to maximize growth within your CIBC LIF.

Learn moreLearn more about the CIBC Bonus Rate L I F, G I C

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 Escalating Rate RRIF GIC (3 year) ² Show or hide

The CIBC Escalating Rate RRIF GIC offers guaranteed premium returns and rates that increase each year to maximize growth within your CIBC RRIF.

Learn moreLearn more about the 3 year CIBC Escalating R R I F, G I C

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 RRIF GIC (5 year) ² Show or hide

The CIBC Escalating Rate RRIF GIC offers guaranteed premium returns and rates that increase each year to maximize growth within your CIBC RRIF.

Learn moreLearn more about the 5 year CIBC Escalating R R I F, G I C

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 (3 year) ² Show or hide

The CIBC Escalating Rate LIF GIC offers guaranteed premium returns and rates that increase each year to maximize growth within your CIBC LIF.

Learn moreLearn more about the 3 year CIBC Escalating Rate L I F, G I

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 (5 year) ² Show or hide

The CIBC Escalating Rate LIF GIC offers guaranteed premium returns and rates that increase each year to maximize growth within your CIBC LIF.

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

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#)%

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¹ The rates shown are for at-maturity interest payment option and may change without prior notice.

Interest rates quoted are annual rates. Rates are fixed for each GIC’s term. Rates are subject to change without prior notice.

Interest calculation: For terms of 1 year or less, simple interest is paid at maturity. For terms over 1 year, compound interest is calculated annually and paid at maturity.

Minimum deposit: $500 per GIC. (Minimum balance of $5,000 is required to open a CIBC RRIF/LIF account.)

If a GIC is redeemed before maturity to transfer funds to a RRIF/LIF at another financial institution, no interest will be paid and a transfer fee will apply.

² The rates shown are for at-maturity interest payment option and may change without prior notice.

Interest rates quoted are annual rates. Rates are fixed for each GIC’s term. Rates are subject to change without prior notice.

Interest calculation: Interest is compounded annually and paid at maturity.

Minimum deposit: $500 per GIC. (Minimum balance of $5,000 is required to open a CIBC RRIF/LIF account.)

If a GIC is redeemed before maturity to transfer funds to a RRIF/LIF at another financial institution, no interest will be paid and a transfer fee will apply.

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