* Rates may be changed or withdrawn at any time without notice. Annual rates are current as of September 17, 2018, and apply only to a CIBC Special Offer GIC that is not held in a registered investment account. The offer is available to CIBC personal and business clients. Interest is 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. The minimum investment amount is $1,000.