Learn more about our limited-time GIC rate 

Call us

Get in touch with us about the offer.

Online appointment booking

Use our online tool to book an appointment. 

Non-Redeemable GICs

Wishing you good fortune this Lunar New Year.

Celebrate with our limited-time offer GIC rate.

Learn more about GICs.

What is a non-redeemable GIC?

When you buy a non-redeemable GIC, you agree to invest a certain amount of money for a set length of time (term) to benefit from a fixed interest rate. When your term is up, you can either cash in your GIC – and get your initial investment back plus interest – or renew your term and keep growing.

A low-risk investment

You are guaranteed to get your initial investment back, plus interest, at the end of your term.

Stable growth

Your interest rates are consistent for the length of your term, no matter what the market is doing.

Competitive rates

Save for the short-term or invest for the long term with our competitive rates.

Purchase your Non-Redeemable GIC

To get started, choose one of the following options:

I'm a Scotia OnLine customer with an Investment Plan

Purchasing with Scotia OnLine is fast, easy and secure.

Buy now

I'm a Scotia OnLine customer without an Investment Plan

You'll need a Registered Plan or a Non-Registered Plan to purchase your GIC. Opening Plans on Scotia OnLine is fast, easy and secure.

Open now

I'm not a Scotia OnLine customer

Visit one of our Advisors today at a Branch location convenient for you.

Find a branch

Your non-redeemable GIC options

All non-redeemable GICs are available as part of a registered or non-registered investment portfolio, and can be automatically renewed on maturity. 

Short-Term CDN $

Term
30-364 days

Investment Payment Frequency
At Maturity

Minimum Investment
$500

Long-Term CDN $

Term
1-10 years

Investment Payment Frequency
Compounded annually or semi-annually. Interest paid at maturity, if annual or semi-annual compounding.

Minimum Investment
$500

Long-Term CDN $

Term
1-10 years

Investment Payment Frequency
Monthly

Minimum Investment
$5,000

US Dollar

Term
1-29 days

Investment Payment Frequency
At Maturity

Minimum Investment
U.S. $100,000

US Dollar

Term
30-364 days

Investment Payment Frequency
At Maturity

Minimum Investment
$500

US Dollar

Term
1-10 years

Investment Payment Frequency
At Maturity

Minimum Investment
$500

The Investment Companion Booklet and Terms & Conditions includes important information about our products, services, and fees. For GIC rates and term options click here.