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Book an appointment with a Scotia advisor.

It starts with a simple conversation.


Have a question?

We’re ready to give you advice.

Guaranteed Investment Certificates (GICs)

Choose the worry-free investment

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).

Types of GIC

Cashable GICs

Get a guaranteed rate and the flexibility to cash out.

Non-Redeemable GICs

Take your savings to the next level.

Market Linked GICs

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

Personal Redeemable GICs

Have the flexibility to access funds partially or fully as you need them.

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.

Build a plan for your future with Scotiabank

Get personalized advice from our team of advisors and investment specialists across Canada. 

Connect with us in a way that’s convenient for you. Scotia advisors are available in every branch to help you understand, plan, and execute the right financial plan.

Monitor your investments digitally with online and mobile banking. Our digital banking guides show you how to take care of your banking using your mobile phone, tablet, or computer.

Book an appointment with a Scotia advisor.

It starts with a simple conversation.

Have a question?

We’re ready to give you advice.