When you invest in a guaranteed investment certificate (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.

1.25%
5-year GIC 1

GIC options

Our GICs offer great rates on all your money

Note that rates may be different depending on your account type, and whether you decide to receive monthly, semi-annual, or annual interest payments.

No fees for long-term GICs.

Short-term GICs may be redeemed prior to maturity but interest is forfeited if redeemed within 29 days. 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 early redemption fee will also be charged. Refer to the GIC Confirmation for details.

Retirement savings calculator

Whatever you have in mind for retirement, see what you need to save to hit your goals.

Manulife Bank GICs are not affected by the ups and downs of equity or fixed-income markets. At the end of your 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.

If you already have a Manulife Bank account, call us at 1-877-765-2265 and we can take your request over the phone. If you’re new to Manulife Bank, reach out to your advisor (or find a local advisor if you don’t already have one!)

Yes! You can hold long-term GICs in your TFSA, RRSP, RRIF, and non-registered accounts, and you can hold short-term GICs in an RRSP, RRIF or non-registered account.

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