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1-Year Cashable GIC

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1-Year Cashable GIC

Get fast, flexible savings

Apart from the actual rate, one of the first considerations while looking for a GIC is whether you're interested in a short-term or long-term investment. Your financial objectives will have a big impact on the response to this question.

Our 1-Year Cashable GIC is a great addition to your investments – add it to non-registered and TFSA plans. You get a competitive rate and you can access your money whenever you need it.

Benefits of a 1-Year Cashable GIC


Access your money any time you need it, with no penalty. Plus, it’s available for non-registered and TFSA plans.

Great savings

Fast track your short-term savings goals with our very competitive rate.

Start small

You don’t need lots of money to get started. The minimum deposit is only $100.

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1-year Cashable GIC rates

If cashed out before 90 days: 0.00%
Between 91-180 days: 3.00%
Between 181-364 days: 3.75%
At maturity (1 year): 4.60%


Minimum investment


Accessing your cash

You can access your cash anytime, with no penalty


  • Interest is paid at maturity, or when the GIC is cashed out.
  • You earn more interest the longer you keep your money invested.
  • If you withdraw funds within the first 90 days, no interest is paid.

Explore all rates

This is a great option for you if:

  • You want short-term savings with a great interest rate
  • You want the option to access your money any time
  • You have a minimum of $100 to invest