About the CIBC Bonus Rate GIC

  • Non-redeemable
  • Guaranteed Principal
  • Guaranteed Fixed rate
  • Available as non-registered, RRSP, TFSA, RRIF and LIF

The Bonus Rate GIC is for you if any of the following apply:

  • You have at least $1,000 to invest ($5,000 for a 30-day term)
  • You plan to act now to take advantage of a limited time offer of premium interest
  • You know you won’t need access to your money before the GIC matures

Useful Information

  • Principal and interest can be automatically renewed or deposited into your bank account
  • You can buy this GIC through online or mobile banking, over the phone at 1-800-465-2422 or by visiting a CIBC branch
Term $1,000 - $4,999 $5,000 - $999,999
30 days1 - RDS%rate[4].BBST/BBLT.rate(30_null_null_Days_T,5000.0_-_999999.99_CAD_Balance,1,1)(#T3#)% 
90 days1 RDS%rate[4].BBST/BBLT.rate(90_null_null_Days_T,1000.0_-_4999.99_CAD_Balance,1,1)(#T3#)% RDS%rate[4].BBST/BBLT.rate(90_null_null_Days_T,5000.0_-_999999.99_CAD_Balance,1,1)(#T3#)% 
180 days1 RDS%rate[4].BBST/BBLT.rate(180_null_null_Days_T,1000.0_-_4999.99_CAD_Balance,1,1)(#T3#)% RDS%rate[4].BBST/BBLT.rate(180_null_null_Days_T,5000.0_-_999999.99_CAD_Balance,1,1)(#T3#)% 
270 days1 RDS%rate[4].BBST/BBLT.rate(270_null_null_Days_T,1000.0_-_4999.99_CAD_Balance,1,1)(#T3#)% RDS%rate[4].BBST/BBLT.rate(270_null_null_Days_T,5000.0_-_999999.99_CAD_Balance,1,1)(#T3#)% 
12 months1 RDS%rate[4].BBST/BBLT.rate(12_null_null_Months_T,1000.0_-_4999.99_CAD_Balance,1,1)(#T3#)% RDS%rate[4].BBST/BBLT.rate(12_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,1,1)(#T3#)% 
14 months RDS%rate[4].BBST/BBLT.rate(14_null_null_Months_T,1000.0_-_4999.99_CAD_Balance,1,1)(#T3#)% RDS%rate[4].BBST/BBLT.rate(14_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,1,1)(#T3#)% 
17 months RDS%rate[4].BBST/BBLT.rate(17_null_null_Months_T,1000.0_-_4999.99_CAD_Balance,1,1)(#T3#)% RDS%rate[4].BBST/BBLT.rate(17_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,1,1)(#T3#)% 
18 months1 RDS%rate[4].BBST/BBLT.rate(18_null_null_Months_T,1000.0_-_4999.99_CAD_Balance,1,1)(#T3#)% RDS%rate[4].BBST/BBLT.rate(18_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,1,1)(#T3#)% 
24 months1 RDS%rate[4].BBST/BBLT.rate(24_null_null_Months_T,1000.0_-_4999.99_CAD_Balance,1,1)(#T3#)% RDS%rate[4].BBST/BBLT.rate(24_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,1,1)(#T3#)% 
25 months RDS%rate[4].BBST/BBLT.rate(25_null_null_Months_T,1000.0_-_4999.99_CAD_Balance,1,1)(#T3#)% RDS%rate[4].BBST/BBLT.rate(25_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,1,1)(#T3#)% 
30 months RDS%rate[4].BBST/BBLT.rate(30_null_null_Months_T,1000.0_-_4999.99_CAD_Balance,1,1)(#T3#)% RDS%rate[4].BBST/BBLT.rate(30_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,1,1)(#T3#)% 
36 months1 RDS%rate[4].BBST/BBLT.rate(36_null_null_Months_T,1000.0_-_4999.99_CAD_Balance,1,1)(#T3#)% RDS%rate[4].BBST/BBLT.rate(36_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,1,1)(#T3#)% 
48 months1 RDS%rate[4].BBST/BBLT.rate(48_null_null_Months_T,1000.0_-_4999.99_CAD_Balance,1,1)(#T3#)% RDS%rate[4].BBST/BBLT.rate(48_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,1,1)(#T3#)% 
60 months RDS%rate[4].BBST/BBLT.rate(60_null_null_Months_T,1000.0_-_4999.99_CAD_Balance,1,1)(#T3#)% RDS%rate[4].BBST/BBLT.rate(60_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,1,1)(#T3#)% 

Minimum investment

  • $1,000 for terms greater than 30 days
  • $5,000 for 30-day term

Access

Interest

  • For terms less than one year, simple interest is paid at maturity
  • For terms of one year or more, simple interest is paid monthly, semi-annually, annually
  • Alternatively, compound interest is calculated annually and paid at maturity


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