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Why choose a CIBC Non-Redeemable GIC?
Guaranteed returns
Know exactly how much interest you'll earn with a fixed rate.
Save for home ownership
Any investment income in your CIBC Non-Redeemable GIC is non-taxable while it’s in your FHSA.
Multiple options
Choose from multiple terms to meet your home ownership goals.
Our most popular terms
| 1 year | RDS%rate[4].NOMNONRD.Published(1_null_null_Year_T,500.0_-_1.0E9_CAD_Balance,21,1)(#O2#)% |
| 18 months | RDS%rate[4].NOMNONRD.Published(18_null_null_Months_T,500.0_-_1.0E9_CAD_Balance,21,1)(#O2#)% |
| 2 years | RDS%rate[4].NOMNONRD.Published(2_null_null_Years_T,500.0_-_1.0E9_CAD_Balance,21,1)(#O2#)% |
| 3 years | RDS%rate[4].NOMNONRD.Published(3_null_null_Years_T,500.0_-_1.0E9_CAD_Balance,21,1)(#O2#)% |
| 4 years | RDS%rate[4].NOMNONRD.Published(4_null_null_Years_T,500.0_-_1.0E9_CAD_Balance,21,1)(#O2#)% |
| 5 years | RDS%rate[4].NOMNONRD.Published(5_null_null_Years_T,500.0_-_1.0E9_CAD_Balance,21,1)(#O2#)% |
For terms and posted ratesⓘ, ⓘ, review all GIC rates.
What you need to know
Plan
First Home Savings Account (FHSA)
Product name
CIBC Non-Redeemable GIC
Type
Non-redeemable
Access to funds
Only at maturity
For GICs with up to a 1-year term, interest is paid at maturity. On all other GIC terms, interest is compounded on each anniversary date and paid at maturity.
Fees
No fees
Renewalⓘ
You can automatically renew your GIC when it matures or deposit your principal and interest into your CIBC Investment FHSA.
Not what you’re looking for?
Check out our CIBC Bonus Rate GIC.
Your CIBC FHSA Non-Redeemable GIC questions answered
