Non-Redeemable GICs

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Gong Xi Fa Cai.

Happy Chinese New Year – Year of the Monkey. Get a 1.68%* 668-day GIC. For a limited time.

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Take advantage of our special GIC rate.

Get a 2.15%* 4-Year GIC. For a limited time

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Right for you if:

  • You want competitive rates
  • You are willing to have your funds locked-in
  • Get a higher return A non-redeemable GIC generally yields a higher return.
  • Choose better rates and increased flexibility
    Pick terms from 30 days to 10 years for non-registered GICs, and 90 days to 5 years for RRSPs/RRIFs.
  • Guaranteed interest rate and security of principal


Available as part of an RRSP, RRIF, TFSA, RESP, RDSP or Non-Registered portfolio.

Minimum investment of $1,000 ($5,000 for monthly interest payments)

Interest payment options ranging from monthly to annually.

Issued by The Bank of Nova Scotia, Montreal Trust Company of Canada, National Trust Company and Scotia Mortgage Corporation.

Eligible for CDIC insurance. Please see CDIC Deposit Insurance Information for further details.

Can be renewed automatically on maturity.

View current rates

Pre-book up to 14 days in advance on renewals and new purchase for non-registered plans. Pre-book on Special Non-Redeemable GIC rates is available for up to 3 days only.

Option Term Interest Payment Frequency Minimum Investment
30-364 days At Maturity $1,000
1-10 years Compounded annually or semi-annually2. Interest paid at maturity, if annual or semi-annual compounding. $1,000
1-10 years Monthly2 $5,000
U.S. Dollar1 1-29 days At Maturity U.S. $100,000
30-364 days At Maturity U.S. $1,000
1-10 years Annually U.S. $1,000

in buying GICs?

  • PhoneCall one of our Personal Investment Advisors 1(800)953-7441Mon-Fri (9am-8pm EST) 1(800)953-7441
    Mon-Fri (9am-8pm EST)
  • Online Buy online with Scotia OnLine Sign In