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Guaranteed Investment Certificates (GIC)


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Email | 800.788.6311

A GIC is a secure investment that guarantees 100% of your original investment, while earning interest at a fixed rate.

Grow your money with peace of mind when you invest in GICs. 

Safe and secure: Both principal and interest payments are guaranteed.

Flexible: Choose from a variety of terms and payments to access your money when needed. 

Competitive rates: Interest rates typically beat conventional savings plans, and are guaranteed for the entire term.

Concentra Bank offers the following GIC investment products: 
Choose a term and interest frequency that suits your needs.

  Terms Plan Availability Minimum Deposit
Redeemable 1 year cashable
  • Option to be cashed prior to maturity
  • Interest paid on maturity (or upon redemption if held more than 30 days)
  • Automatic reinvestment at current rate
GIC
RESP
RRSP
RRIF
TFSA
$5,000
$5,000
$5,000
$5,000
$5,000
Non-Redeemable long-term
  • 1 to 5 year terms
  • Non-redeemable prior to maturity
  • Access to funds on maturity only
  • Automatic reinvestment at current rate
GIC
RESP
RRSP
RRIF
TFSA
$1,000
$500
$1,000
$5,000
$1,000