Index-Linked GIC
Participate in the stock market while protecting your principal investment.
About this account
- Pays interest at the end of the term
- Returns are based on the performance of the S&P/TSX 60 Index
- Index-Linked GICs are non-redeemable
Index-linked GIC features you’re sure to enjoy
Your savings are protected
Your initial deposit is guaranteed 100% by the Deposit Guarantee Corporation of Manitoba.*
Save on your terms
Choose between a 3-year or 5-year term with a minimum investment of $500.
Receive your full earnings
Enjoy unlimited earning potential, with no cap or limits on returns.
GIC rates
Rates are current as of May 15, 2026 and subject to change without notice. Conditions may apply.
| Account | Account Balance | Interest Rate |
|---|---|---|
| GIC (RRSP / RRIF / TFSA / FHSA) | ||
| 12-month | Less than $100K | 3.45% |
| $100K - $249,999 | 3.50% | |
| $250K** and over | 3.55% | |
| 24-month | Less than $100K | 3.55% |
| $100K - $249,999 | 3.60% | |
| $250K** and over | 3.65% | |
| 36-month | Less than $100K | 3.60% |
| $100K - $249,999 | 3.65% | |
| $250K** and over | 3.70% | |
| 48-month | Less than $100K | 3.65% |
| $100K - $249,999 | 3.70% | |
| $250K** and over | 3.75% | |
| 60-month | Less than $100K | 3.75% |
| $100K - $249,999 | 3.80% | |
| $250K** and over | 3.85% | |
| Index-Linked GIC | Variable Return | |
| U.S. Dollar GIC | ||
| 30-day | 2.80% | |
| 60-day | 2.85% | |
| 90-day | 2.90% | |
| 12-month | 3.60% |
GIC rates last updated March 13, 2026. Rates subject to change without notice.
**Limits may apply.
*Includes all savings and chequing accounts, RRSPs, RRIFs, TFSAs, and GICs.
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Tips & tools
Smart tip: Track your GIC performance
Our Index-Linked GICs are offered through Central 1. Track the performance of your GICs on the Central 1 website.
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Learn how to make the most of your GIC
Read our GIC guide for information about what they are, how they work and how to make the most of your investment.
Receive investing advice
Our Insights & Advice page includes plenty of great articles to help you make the most of your investments.
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