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Guaranteed Investment Certificates (GIC)
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.
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.