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

Personal Redeemable GICs

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

Learn more, Personal Redeemable 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.

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