The freedom to cash in your investment at any time
Cash in your investment at any time, while protecting your principal and interest.
Decide whether you want a registered or non-registered GIC, then select a term and interest type.
Term | Plan | Minimum investment | Rate | Interest type | Get this GIC |
---|---|---|---|---|---|
${productCriteria.TERMRANGE.criteriaNumericValue} months | ${regime} | $${productCriteria.AMTRANGE.criteriaLowerValue} | ${taux|percent:"true"} | ${interet} | ${urlForms |link:"Choose |
Our advisors can help you choose the GIC that's right for you.
Looking to earn high interest with the option of accessing your funds at any time? Discover our High Interest Savings Account.
Non-registered plan
Interest payment options
For GICs purchased online, interest will only be paid annually.
Access to funds
- $1,000 for a GIC with a term of one year or more.
or
- $5,000, for a GIC with a term of less than one year.
Posted rates are for annual interest calculations. For monthly interest, the rate is reduced by 0.125%. For quarterly interest, the rate is reduced by 0.05%.
RRSP
Transferability
Can be transferred from an RRSP to an RRIF.
Access to funds
Posted rates are for interest payable at maturity (compounded annually).
TFSA
Interest payments
Interest paid annually and at maturity
Transferability
Cannot be transferred.
Access to funds
Additional information
Fixed interest rate for the entire term. Interest is calculated annually.
Automatic renewal for non-registered GICs: Unless otherwise instructed, we will automatically renew your GIC at maturity for the same amount (principal and interest) and term at the prevailing rate. You will have 10 business days after the new GIC is issued to cancel the renewal.
For information on fees related to RRSPs and TFSAs, refer to our Fee Guide.
National Bank is a member of the Canada Deposit Insurance Corporation (CDIC).
For information on our rate increase or new fee notification procedure, refer to our Fee Guide.
For information on the procedure for submitting claims regarding product fees, click here.
To invest online, you need to have a bank account with National Bank. Don't have an account? Contact a National Bank branch.
Enjoy special rates and choose from a variety of terms
Minimum investment
Interest
Rate
Term
Trust our experts to manage your investments.
Talk to an advisor for personalized advice or sign in to your online bank to invest.