Why choose a CIBC Market Linked GIC?

The interest rate is tied to market performance, so you have a chance to earn more than a traditional GIC.

Potential for higher returns

Peace of mind

Low minimum investment

How they work


This may be right for you if you want:

• Regular interest payments, either monthly or annually

• A guaranteed minimum return

• The potential to outperform a fixed-rate GIC

Income and growth

This may be right for you if you want:

• Regular interest payments annually

• A fixed return with the chance of getting a higher return at maturity


This may be right for you if you:

• Don't need interest payments before maturity

• Want the potential to outperform a fixed-rate GIC but don't need a guaranteed return

Introducing the CIBC Index Growth GIC: an investment with an impact

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What you need to know

Minimum investment







Only at maturity


Available terms

2 to 5 years

Account types

Non-registered, RRSP, TFSA



Depends on the investing strategy you choose



You can't renew your GIC when it matures, but you can invest in a new one


Current offerings

To learn more about our Market Linked GICs, visit CIBC Structured Notes Opens a new window in your browser.

Interested in other GIC rates?

How to invest in a CIBC Market Linked GIC

Step 1 of 3.

What you need to get started

• Your Social Insurance Number

• You must be living in Canada

• A CIBC personal bank account

Need an account? Apply for a bank account Opens in a new window.

• Your GIC account number if you plan to use that account

Step 2 of 3.

Fill out the application

Applying online only takes about 5 minutes. Want us to guide you through the application? Call us or visit a CIBC Banking Centre. If you're already a client, you'll spend less time applying.

Step 3 of 3.

Review the details online

Keep tabs on your GIC using CIBC Online Banking®. Check your maturity date, deposit amount and more at any time.

Explore our most popular products and discover a GIC that’s right for you. Our GIC calculator can help you select a product and show your expected returns.

Try our GIC calculator

CIBC is a member of Canada Deposit Insurance Corporation (CDIC). GICs are eligible for CDIC coverage to a maximum of $100,000.