CIBC EasyBuilder GIC™

The CIBC EasyBuilder GIC takes a popular investment strategy called "laddering" and packages it into a one-stop GIC solution that helps you maximize your returns over time.

Your initial investment is divided equally into 5 portions and invested in 1-, 2-, 3-, 4- and 5-year terms of the CIBC EasyBuilder GIC. As each GIC matures, the proceeds are automatically re-invested into a 5-year CIBC EasyBuilder GIC, allowing you to benefit from the higher rates that longer-term GICs typically offer. The CIBC EasyBuilder GIC offers added protection from interest rate fluctuations, and provides convenient access to one-fifth of your investment each year.


  • Non-redeemable

Minimum investment

  • $5,000 ($1,000 for each of the 5 terms)

Terms available

  • From 1 to 5 years with automatic re-investment of each term into a 5-year term (unless another option is selected prior to maturity)

Access to funds

  • Each year, 20% of your initial investment matures and can be redeemed


  • Two interest payment options are available:
    • Simple interest: paid annually
    • Compound interest: compounded annually and paid at maturity

Is this GIC right for your business?

The CIBC EasyBuilder GIC could be right for your business if any of the following apply:

  • You want a managed GIC solution that helps your business maximize returns while having access to a portion of your funds each year
  • You want to limit your exposure to interest rate fluctuations
  • You have a longer-term investment plan
  • You want a guaranteed return and 100% protection of your investment

Know how to Start Strong

Kick-start your new business with  planning ideas and expert guidance from the CIBC Small Business Start Strong program.

Learn more

Interested in a CIBC EasyBuilder GIC?

Visit your local CIBC branch and talk to a business advisor.