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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.

Tips & tools

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Smart tip: Track your GIC performance

Our Index-Linked GICs are offered through Central 1. Track the performance of your 3-year and 5-year GICs.
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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.
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Receive investing advice

Our Insights & Advice page includes plenty of great articles to help you make the most of your investments.

GIC rates

Account Balance
Interest Rate
12-month Less than $100K 5.60%
$100K - $249,999 5.65%
$250K** and over 5.70%
24-month Less than $100K 5.60%
$100K - $249,999 5.65%
$250K** and over 5.70%
36-month Less than $100K 5.20%
$100K - $249,999 5.25%
$250K** and over 5.30%
48-month Less than $100K 5.10%
$100K - $249,999 5.15%
$250K** and over 5.20%
60-month Less than $100K 5.00%
$100K - $249,999 5.05%
$250K** and over 5.10%
Index-Linked GIC Variable Return
U.S. Dollar GIC
30-day 2.80%
60-day 2.85%
90-day 2.90%
12-month 4.00%
Rates last updated November 20, 2023. Rates subject to change without notice. **Limits may apply.

*Includes all savings and chequing accounts, RRSPs, RRIFs, TFSAs, and GICs.

Insights & Advice

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