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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. Book an appointment today. Or, call us at 1-844-329-6457.

Talk to an advisor
Talk to an advisor

Or, call us at 1-844-329-6457.

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Not a customer yet?

For some of our products, you may need a Laurentian Bank account. If you don’t have one, you can check out our accounts.

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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.

Guaranteed returns await you.

Choose from our special rates.

4.00%

14-month term

4.00%

2-year term

4.00%

3-year term

Some conditions apply. Not cashable. Rates are subject to change.

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

3.00

6 months

3.40

9 months

3.45

1 year

3.75

14 months

4.00

2 years

4.00

3 years

4.00

4 years

3.35

5 years

3.40

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.

Non-registered

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

Select the plan type that meets your needs.

More information on all the available plans.

Helpful tips and resources.

Your questions answered.

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BLACK FRIDAY OFFER

Raise your expectations.

Grab hold of our special fixed-rate GICs offer and inflate your savings worry-free, including in your RRSP and TFSA.

Tell me more

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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.

† Some terms and conditions apply. Promotional rates are in effect until December 3, 2024, and 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.