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Guaranteed Investment Certificates

When you invest in a Guaranteed Investment Certificate (GIC), you are loaning money to a bank, trust company or credit union. The institution then regularly pays interest on the principal value of the bonds you purchased.

At a stated date in the future (maturity date), the institution returns the principal amount you purchased.

GICs offer the following features:

  • Income – You earn a fixed rate of interest.
  • Protection – GICs with a term of five years or less are insured up to $100,000 by either the Canada Deposit Insurance Corporation (CDIC) or Credit Unit Deposit Insurance Corporation (CUDIC).
  • Non-redeemable – You cannot redeem a GIC prior to the maturity date.
  • Certificate – You will receive a confirmation showing ownership for GICs held by Edward Jones.



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