About the CIBC Flexible GIC

  • Redeemable anytime
  • Guaranteed principal
  • Guaranteed fixed rate
  • Available as non-registered, RRSP and TFSA

The Flexible Rate GIC is for you if:

  • You have at least $1,000 to invest
  • You plan to invest for 1 year
  • You might need access to your money before maturity

Useful Information

  • Principal and interest can be automatically renewed or deposited into your bank account
  • This GIC is issued by CIBC and qualifies as collateral for loans

Choose a term that fits your needs

Term (days) $1,000 - $4,999 $5,000 - $24,999 $25,000 - $99,000
$100,000 - $249,999 $250,000 - $499,999 $500,000 - $999,999
365 - 375 RDS%rate[4].FLGIC.rate(365_-_375_Days_D,1000.0_-_4999.99_CAD_Balance,1,1)(#T3#)%  RDS%rate[4].FLGIC.rate(365_-_375_Days_D,5000.0_-_24999.99_CAD_Balance,1,1)(#T3#)%  RDS%rate[4].FLGIC.rate(365_-_375_Days_D,25000.0_-_99999.99_CAD_Balance,1,1)(#T3#)%  RDS%rate[4].FLGIC.rate(365_-_375_Days_D,100000.0_-_249999.99_CAD_Balance,1,1)(#T3#)%  RDS%rate[4].FLGIC.rate(365_-_375_Days_D,250000.0_-_499999.99_CAD_Balance,1,1)(#T3#)%  RDS%rate[4].FLGIC.rate(365_-_375_Days_D,500000.0_-_999999.99_CAD_Balance,1,1)(#T3#)% 

Minimum investment

  • $1,000


  • You can access your money at any time.
  • Depending on how much you invest, there is a minimum withdrawal amount if you want to withdraw before the GIC matures.


  • Simple interest is paid at maturity
  • Larger balances are generally rewarded with higher interest rates
  • In the event of early withdrawal 30 days or more after the issue date, full interest to the date of redemption is paid
  • If you withdraw funds within the first 29 days, no interest is paid

Does this GIC fit your life?

Having GICs is a great way to help round out your portfolio. Planning a balanced portfolio means you’ll be ready for all of life’s changes.

If this GIC fits your life, consider whether you also need one as RRSP or TFSAs.

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