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Limited Time GIC Promotion
Purchase a 1 to 5-year GIC between January 18 and March 1, 2023 and get premium interest rates on a WealthONE Prosperity GIC™ with a rate of 5.28% for all terms!

*Terms and Conditions apply.

Guaranteed Investment Certificate (GIC) Rates

Rates effective between 2023-1-18 and 2023-3-1 for Prosperity GIC Campaign™ ***


1 year


18 months


2 years


3 years


4 years


5 years

These rates apply to non-registered GICs and registered GICs held in TFSAs and RRSPs.


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**
  • 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**

Opening a GIC is easy

Choose the option that works best for you:

Retirement Planner

Determine the amount of savings you'll need to retire comfortably. By flagging any shortfalls or surpluses, the calculator outlines the savings required to reach your financial goals for retirement.

These calculators are made available to you as tools for independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy. All examples are hypothetical and are for illustrative purposes only.

Super-size your investment savings with a 3-year Escalator GIC

High Interest Savings Account

Great interest rate and maximum flexibility to support your daily banking.

Invest in your next property with a WealthONE mortgage
Online investing

Smart Money Invest

A professionally-managed and diversified portfolio of high-quality investments, Smart Money Invest is a low-cost, automated investment portfolio that matches your personal financial goals, timeline, and risk tolerance.

* 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.

*** Rates are per annum and are subject to change without notice. For GICs with a term of more than one year, interest is compounded on each anniversary date of the GIC and then paid on the maturity date. For terms of one year or less, simple interest is calculated and paid at maturity. 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.