The Flex GICs

Flex your savings muscle

Meet the most flexible savings product around — the Flex GIC. This cashable GIC combines high-interest with term flexibility. To get the highest possible rate, deposit your investment for the full term. Need access to your money earlier? No problem! You can cash out after the minimum term at a rate that's still better than most high interest savings accounts.

The Flex GIC is available in the following term lengths:

The Flex40 GIC 

Flex40 at 2.45%

  • 40-month term 
  • 2.45% interest rate
  • Cashable between 12–39 months at 1.45%
  • Cashable at 40 months (maturity) at the full interest rate of 2.45% 
  • RRSP, TFSA and RRIF-eligible
  • Minimum deposit is $500

The Flex30 GIC

Flex30 at 2.25%

  • 30-month term
  • 2.25% interest rate
  • Cashable between 12–29 months at 1.25%
  • Cashable at 30 months (maturity) at the full interest rate of 2.25%
  • RRSP, TFSA and RRIF-eligible
  • Minimum deposit is $500

The Flex20 GIC

Flex20 at 1.80%

  • 20-month term
  • 1.80% interest rate
  • Cashable between 12–19 months at 0.80%
  • Cashable at 20 months (maturity) at the full interest rate of 1.80%
  • RRSP, TFSA, and RRIF eligible
  • Minimum Deposit: $500


Check out our handy retirement calculator and find out what it will take to meet your retirement goals.


For more information call 1.(866).900.DUCA.(3822)

Minimum interest paid per payment period — 75¢. All rates stated are per annum. All CDN$ term deposits, RRSPs, RRIFs, RESPs and LRIFs have a $500 minimum. On non-redeemable term deposits, interest is paid or compounded annually.

At DUCA, insurable non-registered deposits are covered up to $250,000. Insurable deposits in registered accounts have unlimited deposit coverage. For further information on deposit insurance, please ask for a brochure in-branch or visit DICO's website at