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Invest in Non-Cashable GICs

Non-Cashable GICs offer a guaranteed return for your fixed-term investments.


Can be an excellent choice for investors who can lock in their funds for a specific period of time.

Invest in a GIC

What are Non-Cashable GICs?

A Non-Cashable GIC cannot be cashed in before the maturity date. Your funds are locked-in for a specific term. Generally, these investments yield a higher return than a cashable GIC so they can be a great option if you have the ability to lock in your funds for a period of time.

GIC Rates

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Benefits of Non-Cashable GICs

  • Safety and security

    Your original investment and interest payments are guaranteed.

  • Competitive interest rates

    These rates are guaranteed for the term of your investment.

  • Flexible terms

    Terms range from 30 days to five years.

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Before applying for a GIC online

  • 1

    Decide what account type you'd like to hold your GIC in – You can hold your GIC in a non-registered, registered or U.S. dollar account.

  • 2

    Select type of GIC – Select from Special Offer, Market Growth, Cashable GICs and more. Not sure what's right for you? See the types of GICs we offer.

  • 3

    Have funds in your account ready to go – You'll want to make sure your account has sufficient funds to purchase the GIC before you begin your application.

Ways to Apply

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Deposit Insurance

Your deposits may be insurable by the Canada Deposit Insurance Corporation.