Get a 4.00%* rate on our 2-year GICs!

Grow your savings with confidence. Lock in competitive GIC rates and build toward your future with secure, guaranteed growth.

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Why choose a GIC?

Built for savers who value certainty, stability, and peace of mind.

Great rates. Guaranteed returns.

Lock in a guaranteed interest rate for your full term and know exactly what your investment will earn.

No market exposure.

Your money isn’t affected by stock market fluctuations, making GICs a stable option during uncertain economic conditions.

Flexible terms for your goals.

Choose from short or long-term options designed to support saving goals like a home purchase, retirement, or future expenses.

Featured GIC Rates

Invest in steady growth.

Secure a competitive fixed rate on a 2-year GIC.

4.00%*

2-Year GIC

*Interest calculated on a 365 day year and compounds annually and/or paid annually based on option selected. GICs are non redeemable prior to maturity. Rates subject to change without notice.

Plant your money in a GIC today!

GIC OPTIONS

Grow in every season

See today's GIC rates

Secure savings with guaranteed growth.

Rate	Term
0.20%	1 month
0.25%	2 months
2.50%	3 months
2.70%	6 months
2.85%	9 months
3.39%	1 year
4.00%	2 years
3.76%	3 years
3.83%	4 years
4.00%	5 years

Calculator

See how your savings can grow

GIC calculator

Use our CIG calculator to estimate how much your investment could earn over time with different GIC terms and interest payout options.

How much can I earn?

How much do you want to invest?

Enter investment amount here

Term

Enter term here

How do you want your interest paid out?

Choose if you want your interests paid at maturity or annually

Interest is paid at maturityInterest is paid annually

Your results

Our rate

These results may vary depending on the current rates. Rates subject to change without notice

Estimated earned interest

The money you accumulate on a deposited balance or investment over time

Estimated value at maturity

The projected total payout of the guaranteed investment certificate.

WHY CHOOSE A GIC

Is a GIC right for you?

Advantages

Guaranteed Return

Know exactly how much your investment will earn over your selected term.

Principal protection

Your original investment is protected and returned at maturity.

No market volatility

Your returns are not affected by stock market changes or economic uncertainty.

Flexible investment terms

Choose from shorter- or longer-term options based on your financial goals.

Considerations

Your funds may be locked in

Non-redeemable GICs cannot typically be accessed before maturity.

Rates are fixed for the term

Your rate stays the same during your investment term, even if market rates increase later.

Designed for steady growth

GICs prioritize stability and predictability rather than higher-risk growth opportunities.

Download the Haventree Bank App

Clients can explore Haventree Banks's new mobile app, available today on iOS and Android.

FAQs

Got questions? We’ve got answers.

Find answers to common questions about Guaranteed Investment Certificates.

Still have questions? We’re here to help.

See all FAQs

Interest is calculated using a fixed annual rate over the full term of your GIC, based on a 365-day year.
For GICs with compounding interest, interest may be paid or compounded at maturity or at regular intervals, depending on the payment option selected when the GIC is purchased. With compounding, the interest earned is added to your original investment principal. Future interest is then calculated on this new total, allowing your investment to grow over time.

When your GIC reaches maturity, here's what to expect:

If you selected auto-renewal:

Your GIC will automatically renew at the rate in effect on the renewal date. Your original principal amount will be reinvested for a new term, while the interest earned during the term will be paid on your account.

If you didn't select auto-renewal:

Your principal and any interest earned will be deposited into your account. From there, you can choose to reinvest it or withdraw it, depending on your goals.

WHAT’S NEXT

Built for everyday life and everything ahead.

Grow your savings with confidence. Invest in a GIC today.