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Cashable GICs

Cashable GICs give you the flexibility of cashing early.

Get a guaranteed rate of return  for the period of your term and access your funds at prescribed early cashing rates.

Invest in a GIC

What are Cashable GICs?

A Cashable GIC can be a great investment for short and long-term goals, like saving for a major purchase, wedding costs, and retirement because you get the guaranteed rate of return  for the period of your term, plus you can get access to your funds at prescribed early cashing rates.

GIC Rates

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Benefits of Cashable GICs & Term Deposits

  • 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.

  • Access to your funds

    Cashable in full or in part, subject to certain terms and conditions.

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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.