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GICs

Grow your wealth, worry free

A Guaranteed Investment Certificate (GIC, or Term Deposit) is a secure investment and a great option if you’re seeking predictable and guaranteed interest growth.

  • Original investments are 100% guaranteed.
  • Flexible investment term lengths from 30 days to 5 years.
  • Competitive interest rates are guaranteed for the full term of your investment.
  • Eligible for registered and non-registered plans.

Types of GICs

Non-Redeemable GICs

Earn higher rates of return when you lock in your money for a full term.

Applies to: Non-Registered/ TFSA/RRSP/RRIF/LIRA/LIF.

Redeemable GICs
Enjoy competitive returns with the flexibility to withdraw your money at any time to a Long Term GIC without penalties, unless you redeem early. 
Short term GICs

Earn interest while enjoying the security of investing funds for less than a year.

Applies to: Non-Registered

U.S. Short term GICs
Invest your U.S. funds and get protection from exchange rate fluctuations.
Jubilee Investment Certificates

The Jubilee Fund provides loans to community organizations to support projects that reduce poverty throughout Manitoba. JICs can be purchased in three or five-year term deposits, and are pooled to create a single fund that secures loans from ACU.

To find out more about the Jubilee Fund and investing in JICs, contact info@jubileefund.ca.

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Finance basics: What is a GIC and why should you invest in one?

Are you looking for a safe place to invest your money? You might want to consider a Guaranteed Investment Certificate (GIC).


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Mutual funds and other securities are offered through Aviso Wealth, a division of Aviso Financial Inc. Unless otherwise stated, mutual funds, other securities and cash balances are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions. Online brokerage services are offered through Qtrade Direct Investing. Qtrade Direct Investing and Qtrade Guided Portfolios are divisions of Aviso Financial Inc.
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