Term deposits / GICs

Low-risk investing that does good.

See all term deposits

What's a term deposit?

A term deposit, also known as a guaranteed investment certificate (GIC), is a low-risk investment that earns interest.

Guaranteed return

Deposit your money for a set amount of time and you¡¯ll earn interest based on an agreed rate or condition. Unlike a savings account where the rate may change.

For short to medium-term investing

Use term deposits to save cash that you don¡¯t need to use now, but are likely to use within the next 5 years.

You¡¯re investing in us

These deposits help fund loans and mortgages used to sustain our neighbourhoods and local businesses.

Choose a term deposit.

How do I pick? Think about how long you can put away your money and how much access you¡¯ll need. Cashable and escalating deposits have the most flexibility while non-redeemables may provide better rates.

Escalating

A higher interest rate every year.

Freedom to withdraw at select times

  • Start investing with $500
  • Invest up to 5 years
  • For non-registered accounts or TFSA
  • For FHSA (3YR only)
Learn more

Cashable

Our most flexible term deposit.

30 or 90 day lockout

  • Start investing with $500
  • Invest up to 1 year
  • For non-registered accounts, TFSA & FHSA (30 day lockout only)
Learn more

Long-term redeemable

Invest without locking in.

Invest for 1 to 5 years

  • Start investing with $500
  • For non-registered accounts
Learn more

Non-redeemable

Lock in your cash and earn more.

Invest for 1 to 5 years

  • Start investing with $100
  • For non-registered accounts, TFSA, RRSP, FHSA, RRIF, RESP, RDSP
Learn more

RRSP/RRIF convertible

Meet your contributions in time.

Convertible at any time

  • Start investing with $500
  • For RRSP, RRIF
Learn more

US dollar redeemable

Earn and avoid exchange rate fluctuations.

Invest for 30 to 364 days

  • Start investing with $5,000
  • For non-registered accounts
Learn more

Short-term redeemable

Earn more than your savings account.

Invest for 30 to 364 days

  • Start investing with $5,000
  • For non-registered accounts
Learn more

Planet-Wise? Index-linked

Market-linked returns with this ESG-screened portfolio.

Invest for 3 or 5 years

  • Start investing with $1,000
  • For non-registered accounts, TFSA, RRSP, RRIF
Learn more

Get more out of your money.

Unbiased advice
?
Our wealth planners are here for your best interest. Sharing knowledge about finances so you can make the right decisions for you is our goal.

360¡ã advice and guidance
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We look at your big picture, life-stage, tax guidance, retirement planning, and investment strategies to help you plan your financial future.

Alternative ways to invest
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If you¡¯d rather invest on your own online, we offer online investing tools. For large investment portfolios, we also offer discretionary fund management.

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