Guaranteed Investment Certificates (GICs) are term deposits made for a particular period of time.

Our GICs offer extremely competitive rates and all deposits and interest are guaranteed without limit by the Deposit Guarantee Corporation of Manitoba (DGCM). Not all our competitors can make that claim. Talk to us about which GIC choice is right for you.

1-Year Redeemable GIC
1-year Redeemable GICs offer a good rate plus the flexibility of having access to your cash in case of an emergency. Please note that a penalty applies if you redeem prior to the end of the 1-year term.

Short Term GICs (non-redeemable)
Short Term GICs are good choice if you want competitive rates but don’t want to tie up your money for a long period.

• Terms from  30 to 364 days
• Minimum deposit only $5,000
• Interest paid on maturity
• RRSP and RRIF eligible

Long Term GICs (non-redeemable)
Longer terms mean your rate of return is even better.

• Terms from 12 to 66 months
• Interest can be set to pay out annually or monthly (at a slightly discounted rate) to a separate deposit account, or set to compound annually back into the term.
• RRSP and RRIF eligible