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GUARANTEED INVESTMENT CERTIFICATES (GICs)

More time for what matters most.

Whatever you’re saving for, a Laurentian Bank Guaranteed Investment Certificate (GIC) can help get you there sooner. So just focus on what you love.

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Our GICs at a glance.

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FIXED-RATE GIC

Grow your savings worry-free with guaranteed returns.

Need a safe place to park your savings? With a fixed-rate GIC, both your return and initial investment are 100% guaranteed. That way you can stay focused on your goal.

View fixed-rate GICs
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MARKET-LINKED GIC

Invest in the market without the risk.

Looking for an investment with high return potential and minimal risk? Our ActionGIC is a market-linked GIC that gives you access to the stock market while fully protecting your principal.

View market-linked GICs

Here’s why you can count on GICs.

Stock going up

Risk-free.

Your initial investment is 100% guaranteed. Let your money work for you, safely.

Competitive rates.

Get attractive rates that will see your savings bloom. Because low risk doesn’t have to mean low returns.

Flexible terms.

When it comes to saving, there are no small goals. Whether you want to invest for 90 days or up to 10 years, we have a GIC to meet your needs.

Know the benefits.

  • Versatile enough for all your goals.

    Whether you’re saving for a vacation, a car or renovations, find the term and returns that put your money to work.

  • Talk about tax-efficient investing.

    Our GICs are RRSP, RRIF and TFSA eligible. Building your savings while saving on taxes? We’d call that a win-win.

  • CDIC insured for peace of mind.

    Eligible for Canada Deposit Insurance Coverage (CDIC) for added protection.

Helpful tips and resources.

Your questions answered.

Useful links

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The right account. The right advice.

At Laurentian Bank, we’ve been serving our customers, their families and our communities since 1846. Improving the financial wellbeing of our customers is our raison d'être. Let us be part of your success.

Talk to an advisor

Let's connect.

LBC: Laurentian Bank of Canada

LBCFS: LBC Financial Services Inc.

1. Some terms and conditions apply. Promotional rates may be modified or cancelled at any time, without prior notice. These offers may not be combined with any other offer or promotion, or any other benefit for the same type of investment (product). GICs are not cashable. Simple interest is paid on terms of less than two years. Clients have a choice of simple or compound interest on terms of two years or more. Simple interest is calculated and paid annually. Compound interest is calculated and compounded annually, and paid at maturity. Individuals residing outside of Quebec who do not currently hold a Laurentian Bank of Canada investment product are not eligible for this offer. This product is eligible for registered and non-registered plans. This product is eligible for deposit insurance from the Canadian Deposit Insurance Corporation (CDIC), up to the maximum limit for coverage from the CDIC, and subject to applicable conditions. This offer cannot be combined with any other offer. For more information, call 1-844-494-0076 or contact your advisor.

Existing investment accounts are offered by Laurentian Bank of Canada (“Laurentian Bank”) or LBC Financial Services Inc. (“LBCFS”). LBCFS is a wholly-owned subsidiary of Laurentian Bank and a separate entity from Laurentian Bank, B2B Trustco and all other issuers or mutual fund companies whose products it distributes. Newly opened investment accounts must be LBCFS accounts. A Laurentian Bank advisor is also a licensed LBCFS mutual fund representative. LBCFS’s liability is limited to the conduct of its representatives in the performance of their duties for LBCFS.