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What is a GIC? |
Our GICs and their rates |
What’s the best GIC for you? |
Our investment advice
A Guaranteed Investment Certificate (GIC) is a safe investment that allows you to earn interest over a period ranging from as little as 30 days to 10 years. It’s a stable investment that offers many advantages.
Already know which GIC you want? If you’re a National Bank client, you can purchase the GIC of your choice directly from your online bank. Sign in and choose which plan you want to use to invest in your GIC (TFSA, RRSP or non-registered account).
Discover our featured non-redeemable GICs and associated rates and terms 1 to choose the one that’s best for you.
* All of our GICs require a minimum $500 investment.
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Are these GICs not what you’re looking for?
We offer a wide selection of GICs that can help you reach your financial goals.
The best GIC is the one that best suits your financial situation and investment goals. Before choosing, consider different criteria such as initial investment, type of return, investment horizon, etc. To help you decide, here are the terms and conditions of the different types of GICs we offer.
Take advantage of competitive fixed-rate interest rates and varied terms.
Access your investment whenever you need cash.
Benefit from a return linked to the growth potential of the markets.
Grow your savings using USD.
You could maximize your returns while retaining access to a portion of your funds annually by staggering the maturity dates of your GICs. That means dividing the initial investment amount and placing them into equal, but separate GICs with maturity dates ranging from one to five years. For example, if you’re looking to invest $5,000, you would invest $1,000 in a 1-year GIC, $1,000 in a 2-year GIC, and so forth.
Read our articles for more savings and investment tips.
Ideal for those who want to enjoy increasing interest rate tiers while keeping their funds accessible.
Ideal for short-term investments by using low-risk funds that are easily transferable.
Ideal for putting money aside while also being able to immediately access your funds in case of unexpected events.
Contact us for personalized support, or invest online by signing in.
Monday to Thursday,
8 a.m. to 6 p.m. (ET)
Friday, 8 a.m. to 5 p.m. (ET)
Featured GIC rates are subject to change at any time.
