Personal Redeemable GICs

What is a Personal Redeemable GIC? 

Personal Redeemable GIC allows you to earn a guaranteed rate*. You can access your investment partially or fully at a pre-determined rate as your financial needs arise. 

Secure growth in all plans

Flexibility to invest in a registered or non-registered plan based on your financial needs

Access to funds

Regardless of what happens in the market or in your financial journey, you can cash in early at a pre-determined rate

Competitive Rates*

Interest will be calculated from day one of holding the deposit with the bank 

Guaranteed rate of return with full access at any time

Terms listed are available for a limited time.


24 months


21 months


15 months

Additional information

  • Minimum investment of $500
  • Interest paid annually or at maturity*
  • Contact your Scotiabank branch to find the flexible terms available today
  • Available in Canadian currency only 

Perfect for customers

  • Who may need cashflow in the near future
  • Who want a customized and guaranteed solution
  • Who have flexibility and liquidity in their financial portfolio
  • Who want to hold funds while they search for their perfect home or plan their wedding