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FIXED-RATE GIC

Protect your investments.

Grow your investments securely with our fixed-rate Guaranteed Investment Certificates (GICs). Get attractive returns with a guaranteed principal and rates over a fixed period.

Get a special rate of 3.60% on a 20-month term GIC when you transfer your savings.†

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† Terms and conditions apply.
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Or, call us at 1-844-329-6457.

An investment that pays off.

  • Worry-free investing.

    Both your return and initial investment are 100% guaranteed.

  • Predictable returns.

    Know exactly how much income you’ll earn with the choice of how to receive your payments.

  • Flexible terms.

    Available terms range from 90 days to 10 years.

Features

  • Minimum investment amount: $500

  • Cashable: No

  • Eligible for deposit insurance from the Canada Deposit Insurance Corporation (CDIC)

Short-term: less than 2 years

  • Simple interest: paid at maturity.

Medium and long-term: 2 to 10 years

  • Option of simple or compound interest.

  • Simple interest: paid annually.

  • Compound interest: compounded annually and paid at maturity.

All our GIC rates.

Some conditions apply. Non-redeemable. Rates are subject to change.

Term

Annual % rate

3 months

2.75

6 months

2.80

9 months

2.90

1 year

3.05

15 months

3.35

20 months – Special rate on new deposits†

3.60

2 years

3.35

3 years

3.40

4 years

3.45

5 years

3.50

7 years

3.55

10 years

3.75

Registered or non-registered? You decide.

Registered

Eligible for registered plans such as TFSA, RRSP, RRIF, LIRA and LIF.. Interest income earned is tax-sheltered. View plans

Non-registered

  • Interest income earned is taxable.
  • No contribution limits or age restrictions.

Helpful tips and resources.

Your questions answered.

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SAVINGS ADVICE

The path to retirement is clear.

Regardless of what your retirement goals may be, our customized advice can help get you there. Whether you need to set up a retirement plan or you’re ready to start saving, we’ll point you in the right direction.

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LBC: Laurentian Bank of Canada

LBCFS: LBC Financial Services Inc.

† Some conditions apply. This Offer applies to non-redeemable GICs in Canadian dollars with a minimum investment of $500, opened with new money—defined as funds not currently held at Laurentian Bank at the time of GIC purchase. A promotional interest rate will apply for the full term of the GIC on the amount of new money invested. Internal transfers from other Laurentian Bank accounts do not qualify. GICs are not cashable. The Offer may be cancelled, modified, or withdrawn at any time without notice. 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 promotional offers. 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.

  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.