* Rates may be changed or withdrawn at any time without notice. Annual rates are current as of January 26, 2018, and applies only to a non-registered CIBC Special Offer GIC, available to CIBC personal and non-personal clients only, with interest paid annually or at maturity. If you want interest paid semi-annually or monthly, a lower rate may apply. Compound interest is calculated annually and paid at maturity; simple interest is paid monthly, semi-annually or annually. Minimum investment of $1,000.