Plan confidently with guaranteed investment certificates (GICs)

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.

5-year GIC 1

GIC options

Long-term GICs2

Lock in and earn high interest rates with 1-year to 5-year investments.

  • $2,500 minimum investment
  • Monthly, semi-annual, or annual interest payment options available for non-registered GICs
  • Cannot withdraw cash before maturity (except on death)3
  • Available in non-registered accounts, TFSA, RRSP, and RRIF
  • No set-up or maintenance fees

Short-term GICs

Keep your options open with terms of 30-day to 364-day investments.

  • $25,000 minimum investment
  • Competitive rates on 30-day to 364-day terms
  • Can withdraw cash before maturity (fees apply)
  • Available for non-registered accounts, RRSPs, and RRIFs
  • No set-up or maintenance fees


Our GICs offer great rates on all your money

Long-term GICs1

Short-term GICs1

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


Long-term GICs held in an RRSP, RRIF, or non-registered account:

  • Long-term GICs in these accounts are non-redeemable.
  • We don’t charge any fees on these GICs.

Long-term GICs held in a TFSA:

  • Early redemption fees apply. Early redemption of Tax-Free GICs prior to maturity is subject to market value adjustment and expense recovery fees. GICs must be redeemed in full; partial redemptions are not permitted.

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. Interest is calculated daily on the total daily balance and paid monthly. Rates are subject to change without notice.

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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