Why choose a CIBC Non-Redeemable GIC?

Guaranteed returns

Know exactly how much interest you'll earn with a fixed rate.

Save for home ownership

Any investment income in your CIBC Non-Redeemable GIC is non-taxable while it’s in your FHSA.

Multiple options

Choose from multiple terms to meet your home ownership goals.

Our most popular terms


 1 year RDS%rate[4].NOMNONRD.Published(1_null_null_Year_T,500.0_-_1.0E9_CAD_Balance,21,1)(#O2#)%
 18 months RDS%rate[4].NOMNONRD.Published(18_null_null_Months_T,500.0_-_1.0E9_CAD_Balance,21,1)(#O2#)%
 2 years RDS%rate[4].NOMNONRD.Published(2_null_null_Years_T,500.0_-_1.0E9_CAD_Balance,21,1)(#O2#)%
3 years RDS%rate[4].NOMNONRD.Published(3_null_null_Years_T,500.0_-_1.0E9_CAD_Balance,21,1)(#O2#)%
 4 years RDS%rate[4].NOMNONRD.Published(4_null_null_Years_T,500.0_-_1.0E9_CAD_Balance,21,1)(#O2#)%
5 years RDS%rate[4].NOMNONRD.Published(5_null_null_Years_T,500.0_-_1.0E9_CAD_Balance,21,1)(#O2#)%

For terms and posted rates‡, 3review all GIC rates.

What you need to know


First Home Savings Account (FHSA)

Product name

CIBC Non-Redeemable GIC



Access to funds

Only at maturity

For GICs with up to a 1-year term, interest is paid at maturity. On all other GIC terms, interest is compounded on each anniversary date and paid at maturity.


No fees


You can automatically renew your GIC when it matures or deposit your principal and interest into your CIBC Investment FHSA.

Not what you’re looking for?

Check out our CIBC Bonus Rate GIC.

Your CIBC FHSA Non-Redeemable GIC questions answered