Guaranteed Investment Certificates (GICs)

GICs offer a fixed rate of interest for a specific term, and both principal and interest payments are guaranteed.

  • Security and safety - Investors Group GICs are backed by the financial strength of Investors Group Trust Co. Ltd. All non-Investors Group GICs are backed by the financial strength of their organizations.
  • Competitive interest rates - guaranteed for the full term of the investment
  • Flexible investment terms - ranging from 1 year to 5 years
  • Choice of interest payment frequencies
  • Bonus rates on certain dollar amount purchases
  • Choose from a selection of GIC companies
  • CDIC protection - opportunity to maximize CDIC coverage

GICs issued by Investors Group Trust Co Ltd., and/or other non-affiliated GIC issuers.

Regulatory disclosures regarding Investors Group Trust Co. Ltd.

GIC rates – Investors Group Trust Co.

Term In Months 12-23 24-35 36-47 48-59 60
Compound GICs
RRSP and TFSA
(Min. $500.00)
1.575 1.800 1.875 1.950 2.150
Non-Registered
(Min. $1000.00)
INCOME GICs (Non-Registered, TFSA and RRIF)
Annual 1.575 1.1800 1.875 1.950 2.150
Semi-Annual 1.575 1.800 1.875 1.950 2.150
Quarterly 1.450 1.675 1.750 1.825 2.025
Monthly 1.450 1.675 1.750 1.825 2.025
MINIMUM Annual ($) Semi-Annual ($) Quarterly ($) Monthly ($)
Non-Registered and TFSA 1,000.00 1,000.00 5,000.00 5,000.00
RRIF 5,000.00 5,000.00 5,000.00 5,000.00

Volume Bonus

Available on single GIC investments as follows:

  1. Investment amounts of $100,000 to $249,999 - 1/8% bonus
  2. Investment amounts of $250,000 and over - 1/4% bonus

Family grouping does not apply and multiple GIC's cannot be combined to reach the threshhold amounts.

Term Certain Annuity

Term In Months 60
Annual Interest Rate (%) 1.4

 

The above example is of payments received on a $10,000 investment at current rates. Please note the minimum payment that must be generated is $75/month.

The availability of a term will depend on the investment amount and current rates.

GIC rates – Investors Group Trust Co.
2018-04-27

* INDICATES NEW RATE

 
GUARANTEED INVESTMENT CERTIFICATES EFFECTIVE DATE: 2018-04-30
Term In Months: 12-23 24-35 36‑47
48-59 60
COMPOUND GICs          
Minimum $500 RRSP 1.650* 1.900* 1.975* 2.075* 2.25*
           
INCOME & RRIF GICS          
Minimum $1000 Annual Payout Non-Reg. 1.650* 1.900* 1.975* 2.075* 2.25*
           
TERM CERTAIN ANNUITY   60      
Term in Months:          
Annual Interest Rate   1.700      

If you require further information regarding above rates please contact Colin Tham at 204-956-3129