Grow your business with a guaranteed investment certificate (GIC)

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Earn guaranteed business returns with a GIC investment

When you invest your business’s excess cash in a GIC, you know exactly how much you’ll have when your investment matures. It doesn’t matter if the market moves up or down. You get your original investment plus a high interest rate – guaranteed.

Our business GICs let you:

  • Protect your principal
  • Lock in a high interest rate
  • Choose terms from 30 days to 5 years
5 years GIC 1

Are our business GICs right for you?

Yes, if you:

  • Want to keep your excess cash safe and growing
  • Know you don’t need this money in the near future


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GIC benefits

Choose a GIC term that’s right for you

Long-term GIC: 1-year to 5-year term

  • $2,500 minimum investment ($10,000 for monthly interest payments)
  • Cannot withdraw cash before maturity
  • No set-up or maintenance fees

Short-term business GIC deposits: 30-day to 364-day term

  • $25,000 minimum investment
  • Can withdraw cash before maturity (fees apply)
  • No set-up or maintenance fees

Rates & fees


Our business GICs offer a competitive interest rate on all your money

Long-term business GICs

1-5 year locked-in terms, interest compounded annually to maturity. The minimum investment is $2,500 ($10,000 for monthly interest payments). Interest is calculated daily on the total daily balance and paid monthly. Rates are subject to change without notice. If you want to receive monthly interest payments, the minimum investment is $10,000.

Redemption prior to maturity is subject to market value adjustment and expense recovery fees. 

Short-term business GICs

Short-term GICs may be redeemed prior to maturity but interest is forfeited if redeemed within 29 days from issuance. If redeemed on or after 30 days but before maturity, a 1.25% reduction in interest rate will apply. Interest is prorated to the number of days. A $25.00 [early] redemption fee will also be charged. Refer to the GIC Confirmation for details. 

If you redeem a short-term deposit before maturity, we charge a $25 early redemption fee along with a rate reduction of 1.25%. If you redeem within the first 29 days, you forfeit all interest. 


Manulife Bank business GICs are not affected by the ups and downs of equity or fixed-income markets. At the end of your business GIC’s term, you will receive your original investment plus interest at the rate set when you invested your money. That certainty helps you plan for the future.

It's up to you! Let us know before the maturity date if you’d like us to deposit the cash into your business bank account or reinvest your money in a new GIC with the same term or a different term.

You can request a rate guarantee on your existing business GIC up to 30 days before your business GIC matures. This way, if the rates drop, you’ll get the better of the two rates. All you need to do is call us!

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Build your savings and keep your money accessible

Available exclusively through advisors, our investment savings account pays a high interest rate and gives you easy access to your money with no maturity dates. Your cash is never locked-in – simply contact your advisor to arrange withdrawals.

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Earn interest on every dollar with our high interest savings account for your business

Our Business Advantage Account complements your traditional business operating account and offers a high interest rate on every dollar you deposit. Access your money when you need it through mobile, online and telephone banking or with bill payments and cheques.

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Make your U.S. cash work as hard as your Canadian cash

Our US Dollar Business Advantage Account lets you earn interest while reducing the impact of currency fluctuations on your bottom line. Access your money when you need it by transferring it to a $US business account at another bank through online or telephone banking.