A guaranteed interest account (GIA) is an ideal account for saving toward a special purchase, creating an emergency fund, a guaranteed holding of your investment portfolio and even guarding against market volatility. Our GIAs provide security of principal with a guaranteed rate of return. GIAs are also tax-free savings account eligible.

Notable features

  • Highly competitive interest rates
  • No policy fees
  • Rate guarantees
  • Flexible-access to your investments anytime
  • Creditor protection
  • Safe and secure
  • Estate planning
  • Compounded or simple interest payout option available

Investment options

Daily interest account (DIA)

The DIA is similar to a high-interest savings account and may be ideal for those seeking a stable and secure investment for emergency savings or for those who have not yet defined their goals.

Guaranteed deposit accounts (GDAs)

These are annually compounded interest accounts with terms from 1 to 10 years, which you can invest in a GDA for as little as $500. You also have the option with this product to request the simple interest payout option, which entitles you to receive simple interest payments monthly or annually, the choice is yours. This option requires a minimum $10,000 investment.

Term deposit account (TDAs)

These are simple interest accounts available with RRIF and LIF only. Terms from 11 to 30 years are available and the minimum investment is $5,000.