Guaranteed investment certificate (GIC)

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Benefit from progressive interest rate bonuses on certain products once your investments exceed $10,000*. With a GIC from La Capitale, you are guaranteed to come out ahead!

Interest rates

Which GIC suits you best?
  Evolution GIC Traditional GIC Progressive GIC Periodic Deposit GIC Equity Index GIC
Description GIC that's extended for one year at each investment anniversary. The rate available adjusts based on market conditions for the extension years. To secure your investment portfolio and ensure stable returns To grow your investments at interest rates that are guaranteed to go up every year To repay an RRSP under the HBP or LLP, finance an upcoming vacation or carry out special projects A gateway to the stock markets for higher potential returns and guaranteed capital at maturity and on death
Type of contract

TFSA, RRSP, LIRA and LRSP2.
Eligible for HBP and LLP.
RRIF and LIF (available as of the spring of 2015).

Non-registered, registered and TFSA Registered and TFSA Non-registered, registered and TFSA Non-registered, registered and TFSA
Interest Guaranteed Guaranteed Guaranteed Guaranteed Variable based on a market index, underlying fund or portfolio
Term 3 and 5 years 30 to 270 days, 1 to 5 years, 7 years and 10 years 7 years 1 to 5 years 5, 7 and 10 years
Redeemable1 Redeemable and non-redeemable Redeemable and non-
redeemable
Yes

Redeemable and non-
redeemable

Yes
Minimum investment

$2,500

$500 $500 $500 per year $500
Portfolio bonus3 Yes Yes Yes Yes No
Guarantee Capital and returns guaranteed at maturity and on death Capital and returns guaranteed at maturity and on death Capital and returns guaranteed at maturity and on death Capital and returns guaranteed at maturity and on death Capital guaranteed at maturity and on death

*Certain conditions apply.
1Subject to applicable fees and penalties.
2Federal jurisdiction.
3In order to determine the bonus, the portfolio is defined as the sum of GICs (other than the Equity Index GIC) and the daily interest account (DIA) issued by La Capitale Civil Service Insurer and La Capitale Insurance and Financial Services that are held by the client and his or her spouse (if paired).

Refer to the service and transaction fee information

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Quebec public service employees and retirees: Exclusive advantages are in store for you!

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Get advice on insurance, savings and investments

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1 855 896-9495

8:30 a.m. to 5:00 p.m. weekdays

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