Guaranteed Investment Certificates (GICs)

Choose the worry-free investment

Types of GIC

Cashable GICs

Get a guaranteed rate and the flexibility to cash out

Learn more, Cashable GICs

Non-Redeemable GICs

Take your savings to the next level

Learn more, Non-Redeemable GICs

Market Linked GICs

Leverage the power of the stock market while keeping your investment safe.

Learn more, Market Linked GICs

Why choose a Scotiabank GIC?

When you invest in a GIC you’re guaranteed to get your principal investment amount back. Plus, traditional GICs offer a fixed interest rate so you know how much you’ll earn.

  • Stay safe and secure - Your principal investment amount is 100% guaranteed.

  • Customize your solution - You can choose the term you want, a fixed or variable interest rate and you can even opt to lock in your money or access it at anytime.

  • Save on taxes - Reduce taxes by holding your GIC within a Registered Plan, such as your Registered Retirement Savings Plan (RRSP) or your Tax-Free Savings Account (TFSA).


  • Deposits are eligible to be insured under the CDIC Act only if they are in Canadian Currency, have a term of 5 years or less and are payable in Canada.

    Prefer to talk with us?

    Mon-Fri (8am-8pm) EST

    1 (800) 268-9269
    Visit a Scotiabank near you
    Find a branch
    I'm a customer

    Purchase through Scotia OnLine

    Sign in