Index-Linked GIC

Participate in the stock market while protecting your principal investment.

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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 November 11, 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	3.80%
	$100K - $249,999	3.85%
	$250K** and over	3.90%
24-month	Less than $100K	3.90%
	$100K - $249,999	3.95%
	$250K** and over	4.00%
36-month	Less than $100K	4.00%
	$100K - $249,999	4.05%
	$250K** and over	4.10%
48-month	Less than $100K	4.10%
	$100K - $249,999	4.15%
	$250K** and over	4.20%
60-month	Less than $100K	4.20%
	$100K - $249,999	4.25%
	$250K** and over	4.30%
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 October 8, 2026. Rates subject to change without notice. **Limits may apply. *Includes all savings and chequing accounts, RRSPs, RRIFs, TFSAs, and GICs.