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).

  • A bank account that does more, means you will too. 

    Receive Ultimate and Preferred rates on select Non-Redeemable GICs by signing up for an Ultimate Package or Preferred Package.

    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.

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