Term Deposits (GICs)

Term Deposits (GICs)

Available in a variety of terms and also in registered and tax-free plans, Term Deposits (also known as a Guaranteed Investment Certificates) are a safe and secure way to ensure your hard earned money is working for you.

Because these investments offer guaranteed interest at the end of the investment term, Term Deposits are a great way to balance any risk in your investment portfolio.


  • Available in terms from 32 days - 7 years
  • Redeemable and non-redeemable term deposits are available
  • Competitive interest rates
  • Guaranteed interest
  • Available in RRSP, TFSA, RESP, RRIF and LIF plans.

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Deposits are insured for up to $100,000 per Member through the Deposit Insurance Corporation of Ontario.

Deposits held in registered savings plans are separately insured from the deposits held in other accounts. All deposits made to RSP, RESP, RRIF and LIF plans are fully insured through the Deposit Insurance Corporation of Ontario.