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    Limited-time offer

    Purchase a 1 to 5-year GIC between September 11 and October 31, 2023 and get premium interest rates on a WealthONE Prosperity GIC™!



    1-year GIC


    18-month GIC


    2-year GIC


    3-year GIC


    4-year GIC


    5-year GIC

    *Terms and Conditions Apply, check the bottom of this page for more details.


    WealthONE Guaranteed Investment Certificates (GICs)

    GICs are a secure and worry-free way to invest your money and guarantee 100% of your principal. Know exactly how much you’ll end up with as you earn interest at a fixed rate for the term you choose. Your interest rate is guaranteed, so you don’t need to worry about changes in markets or the economy. The guaranteed returns can also help offset your higher-risk investments.


    • Choose from 1-year to 5-year terms**
    • Special 18-month term available at a great promotional rate**
    • Can be purchased for your WealthONE non-registered, TFSA or RSP account
    • Eligible for Canada Deposit Insurance Corporation (CDIC) Insurance*
    • Minimum $1,000 investment
    • WealthONE GICs are non-redeemable**

    Investing in a GIC is easy

    Choose the option that works best for you:
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    High Interest with Maximum Flexibility

    Open a High Interest Savings Account (HISA) and enjoy the great rate and no monthly fees. Canada’s best HISA, we think so!

    *Terms and conditions apply. This special GIC Rate Offer is available only until October 31, 2023. Applications and funds must be received on or before the deadline. A minimum investment of $1,000 is required for this promotion. Only applies to personal accounts. All GICs are non-redeemable. Wealth One Bank of Canada, in its sole discretion, reserves the right to modify or terminate this Offer at any time, without notice. Rates are per annum and are subject to change without notice. For GICs with a term of more than one year, interest is paid through one of two options of your choice 1) interest is compounded on each anniversary date of the GIC and then paid on the maturity date; or 2) interest is paid annually to the savings account opened for you on your behalf. For terms of one year or less, simple interest is calculated and paid at maturity. Deposits are eligible for Canada Deposit Insurance Corporation (CDIC) insurance. Offer applies to registered and non-registered GICs. See Terms and Conditions for more details.

    * CDIC limits apply. Canada Deposit Insurance Corporation (CDIC) is a federal Crown corporation that protects your deposits for up to $100,000 per insured category at financial institutions that are CDIC members. Coverage is free and automatic – you don’t have to sign up.

    **Fixed-term GICs are non-redeemable prior to the Maturity Date.

    *** GIC confirmations are sent by email to clients. GICs renew automatically unless the customer provides instructions to the contrary, which requires the customer to call the Wealth One Call Centre at 1.866.392.1088. These instructions may be provided up to 10 days after the renewal date. The issue date of the GIC is the date on which funds are received by the Bank. See Account Terms and Conditions.