Discover our competitive business GIC rates

Easy access

CIBC Flexible GIC®

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Posted rate

Learn more about CIBC Flexible GICs.

Competitive rates

CIBC Variable Rate GIC

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Posted rate (linked to CIBC Prime Rate)

Learn more about CIBC Variable Rate GICs.

Low minimum investment

CIBC Bonus Rate GIC

Up to RDS%rate[4].BBLT.Published(12_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,21,6)(#R#)%3
Posted rate

Learn more about CIBC Bonus Rate GICs.

How a GIC can help your business thrive

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Accessible

Have a business banking account and some money you'd like to invest for a specific amount of time? Then you're eligible for a business banking GIC.

Safe

GICs offer great stability and security, making it a great low-risk option for businesses who need to maintain their original investment and get their funds back at a specific time.

Flexible

We have different business GIC types to match your business investment goals, whatever they may be. Need a GIC where you can take your money out anytime? We've got those, too.

Discover which business GIC is right for you

  • What is your investment goal?
  • All business GICs
  • I want to be able to cash out early without penalty
  • I want to invest money for a set period of time for predictable returns
  • I want returns linked to market prime rates

CIBC Flexible GIC

Want the option to cash out early without penalty? Go for a more flexible GIC.

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Posted rate

Terms
1 year

Minimum investment
$1,000

  • Access money anytime
  • Enjoy higher interest rates
  • Protect your investment

Learn more about CIBC Flexible GICs.

CIBC Variable Rate GIC

Looking for a competitive interest rate? This GIC's variable interest rate tracks changes in CIBC’s Prime Rate.

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Current posted rate

Terms
1 year

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CIBC Prime Rate

Minimum investment
$1,000

  • Earn more when CIBC’s Prime Rate goes up
  • Cash out early if you need to
  • Principal is always guaranteed

Learn more about CIBC Variable Rate GICs.

CIBC Long-Term GIC

Enjoy earning guaranteed interest over a longer term.

Up to RDS%rate[4].LT.Published(84_null_null_Months_T,1000000.0_-_9.9999999999E8_CAD_Balance,21,6)(#O2#)%4
Posted rate

Terms
1 to 7 years

Minimum investment
$1,000 to $5,000

  • Customize your investment timeline 
  • Principal and interest rate guaranteed
  • Take advantage of higher interest rates

Learn more about CIBC Long-Term GICs.

CIBC Bonus Rate GIC

This GIC offers premium rates — plus your principal is always guaranteed.

Up to RDS%rate[4].BBLT.Published(12_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,21,6)(#R#)%3
Posted rate

Terms
30 days to 5 years

Minimum investment
$1,000 to $5,000

  • Wide range of terms
  • Boost your savings 
  • Principal is always 100% guaranteed

Learn more about CIBC Bonus Rate GICs.

CIBC Escalating Rate GIC

Discover a GIC option that offers interest rates that increase every year.

Up to RDS%rate[4].EN5.Published(5_null_null_Year_T,250000.0_-_999999.99_CAD_Balance,21,6)(#O2#)%5
Posted rate

Terms
3 and 5 years

Minimum investment
$500

  • Premium interest rates
  • Rate increases each year 
  • Safe spot to store your money long-term

Learn more about CIBC Escalating Rate GICs.

CIBC Flexible GIC

Want the option to cash out early without penalty? Go for a more flexible GIC.

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Posted rate

Terms
1 year

Minimum investment
$1,000

  • Access money anytime
  • Enjoy higher interest rates
  • Protect your investment

Learn more about CIBC Flexible GICs.

CIBC Variable Rate GIC

Looking for a competitive interest rate? This GIC's rate is linked to the CIBC Prime Rate.

RDS%rate[4].VRGIC.Published(1_null_null_Year_T,1000.0_-_24999.99_CAD_Balance,21,6)(#O2#)%2
Posted rate

Terms
1 year

Minimum investment
$1,000

  • Cash out early if you need to
  • Principal is always guaranteed
  • Competitive interest rates

Learn more about CIBC Variable Rate GICs.

CIBC Long-Term GIC

Enjoy earning guaranteed interest over a longer term.

Up to RDS%rate[4].LT.Published(84_null_null_Months_T,1000000.0_-_9.9999999999E8_CAD_Balance,21,6)(#O2#)%4
Posted rate

Terms
1 to 7 years

Minimum investment
$1,000 to $5,000

  • Customize your investment timeline 
  • Principal and interest rate guaranteed
  • Take advantage of higher interest rates

Learn more about CIBC Long-Term GICs.

CIBC Bonus Rate GIC

This GIC offers premium rates — plus your principal is always guaranteed.

Up to RDS%rate[4].BBLT.Published(12_null_null_Months_T,5000.0_-_999999.99_CAD_Balance,21,6)(#R#)%3
Posted rate

Terms
30 days to 5 years

Minimum investment
$1,000 to $5,000

  • Wide range of terms
  • Boost your savings 
  • Principal is always 100% guaranteed

Learn more about CIBC Bonus Rate GICs.

CIBC Escalating Rate GIC

Discover a GIC option that offers interest rates that increase every year.

Up to RDS%rate[4].EN5.Published(5_null_null_Year_T,250000.0_-_999999.99_CAD_Balance,21,6)(#O2#)%5
Posted rate

Terms
3 and 5 years

Minimum investment
$500

  • Premium interest rates
  • Rate increases each year 
  • Safe spot to store your money long-term

Learn more about CIBC Escalating Rate GICs.

CIBC Variable Rate GIC

Looking for a competitive interest rate? This GIC's rate is linked to the CIBC Prime Rate.

RDS%rate[4].VRGIC.Published(1_null_null_Year_T,1000.0_-_24999.99_CAD_Balance,21,6)(#O2#)%3
Posted rate

Terms
1 year

Minimum investment
$1,000

  • Cash out early if you need to
  • Principal is always guaranteed
  • Competitive interest rates

Learn more about CIBC Variable Rate GICs.

Return to options

Interested in other GIC rates?

Review all GIC rates

Start saving with a business GIC today

Step 1 of 3.

Check out our GIC options

Use our business GIC finder to figure out which one is best for your business needs. Need a little more information on GICs first? Check out our GIC glossary.

Step 2 of 3.

Get a business banking account

Make sure you have a business banking account with CIBC. Don't have one yet? No problem. To set one up, visit Business Accounts.

Step 3 of 3.

Meet with a CIBC business advisor

Contact a CIBC business advisor. We can help you find the best business GIC product, rate and terms to set you up for financial success.

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Frequently asked questions

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