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    A secure way to grow your money — backed by our 100% deposit guarantee.

    Servus GICs give you steady, predictable growth so you can feel confident about your financial future. Whether you’re saving for a short‑term goal or building long‑term security, our flexible options make it easy to choose the right investment for your needs.

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    Guaranteed returns Market-linked returns Hands-off savings Other GICs
    Guaranteed returns Market-linked returns Hands-off savings Other GICs

    Why choose Servus GICs?

    Guaranteed growth

    Your principal is 100% protected and your rate of return is locked in.

    Flexible terms & options

    Terms range from 30 days to 5 years, with redeemable and non‑redeemable choices.

    Available on their own or within registered plans

    RRSP, TFSA, RRIF and more.

    Low minimum investment

    Most GICs start at $1,000 ($500 for RRSP/RRIF).

    100% deposit guarantee

    Your investment, including interest earned, is fully protected.

    Eligible for Profit Share® Rewards

    Investing with Servus means your GICs contribute to the Profit Share Rewards you earn each year.

    Guaranteed returns

    SPECIAL OFFER

    Offer valid JANUARY 8 – March 31, 2026

    3.10%

    9 month non-redeemable GIC

    Kickstart your savings for upcoming expenses, travel plans, or simply to keep your money somewhere safe while it grows.

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    SPECIAL OFFER

    Offer valid JANUARY 8 – March 31, 2026

    3.25%

    12 month non-redeemable GIC

    Align your savings with your yearly financial goals and grow your money at a pace that fits your life. 

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    SPECIAL OFFER

    Offer valid JANUARY 8 – March 31, 2026

    3.35%

    19 month non-redeemable GIC

    Give yourself a longer runway to save for what matters most, while keeping your money within reach.

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    SPECIAL OFFER

    Offer valid FEBRUARY 3 – March 31, 2026

    3.25%

    Exclusive Offer: 1-Year Redeemable GIC

    For a limited time, get one of our best rates with our 1-year redeemable GIC. Don't miss out on your chance to lock in a flexible investment at a great rate!

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    SPECIAL OFFER

    Offer valid FEBRUARY 3 – March 31, 2026

    3.55%

    Exclusive Offer: 1-Year Non-Redeemable GIC

    For a limited time, get one of our best rates with our 1 year, non-redeemable GIC. Don't miss out on your chance to lock in a secure investment at a great rate!

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    SPECIAL OFFER

    Offer valid DECEMBER 15, 2025 – March 31, 2026

    3.40%

    2-Year Non-Redeemable GIC

    Turn consistent saving into real progress. A 2-year term gives your money time to grow while you build long-term stability.

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    SPECIAL OFFER

    Offer valid DECEMBER 15, 2025 – March 31, 2026

    3.50%

    3-Year Non-Redeemable GIC

    Plan ahead confidently with guaranteed growth that supports the milestones you're working toward.

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    Market-linked returns

    OFFER

    3-Year Canadian Market GIC

    S&P/TSX 60

    Tap into the growth potential of this 3-year Canadian Stock Market GIC tracking the S&P/TSX 60. Keep every dollar of your principal fully protected, with a guaranteed minimum return and a capped maximum return.

    Minimum full-term return:

    1.5%

    Maximum full-term return:

    19%

    Principal guarantee:

    100%

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    OFFER

    5‑Year American Market GIC

    S&P 500

    Benefit from long-term growth potential of this 5-year American Stock Market GIC tracking the S&P 500. Your principal remains fully protected, with a guaranteed minimum return and a capped maximum return.

    Minimum full-term return:

    2.5%

    Maximum full-term return:

    26%

    Principal guarantee:

    100%

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    Hands-off savings

    SPECIAL OFFER

    3.15%

    Pay Yourself First GIC

    You choose how often you contribute and how much, then use a pre-authorized contribution plan to automatically transfer funds. 

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    Other GICs

    30-day to 5-year GICs

    Our standard GICs offer steady growth for your long-term savings, featuring terms from 30 days to five years, with fixed interest rates for the entire length of the terms.

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    Redeemable Rate Builder GICs

    The interest rates for each option grow every year until you reach the full length of your investment (three or five years).

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    Business 90 day T-Bill

    The 90 day T-Bill products offer a competitive rate for a short term with the flexibility of withdrawal after 30 days.

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    U.S. Dollar GIC

    Our U.S. Dollar GIC is available in 30-day to 1-year terms. Investing in a U.S. Dollar GIC is a safe and convenient way to grow US money at competitive interest rates.


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    Life annuities

    An annuity is a contract between you and an insurance company. It provides a set amount of monthly income based on a payment schedule that is determined when you set up the annuity. 

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    Get notified when our best GIC rates go live

    Enjoy limited-time offers with zero risk and guaranteed returns.

    GET STARTED

    Thinking about investing in a GIC? Fill out this form and we'll reach out to get you started.

    INQUIRE NOW

    How to get started

    You can open most GICs through online banking

    Sign in to Servus Online Banking

    Go to Accounts  → Open an account

    Choose Browse GICs

    Select the product that fits your goals

    Enter your investment amount

    Confirm your details and submit

    Common questions about GICs

    Choosing the right GIC depends on your goals and how soon you may need access to your money. A Servus advisor can help you compare options based on your timeline, income, and comfort with locking in funds.

    Inquire now

    When your GIC reaches maturity, you’ll typically have the option to: reinvest it into a new GIC term, move the funds to another investment product, or withdraw them. We will notify you before the maturity date, giving you time to decide your next steps