CIBC GIC Rates - Updated October 2025

Compare CIBC Guaranteed Investment Certificate rates and features. Find the best deal for your savings with CDIC-insured protection.

Compare All GIC Rates

💰 Current CIBC GIC Rates

Product Rate Term Min Deposit Action
CIBC Bonus Rate GIC 5 Years GIC
 3.22% 5 years $1,000 Apply Now
CIBC Bonus Rate GIC 2 Years GIC
 3.10% 2 years $1,000 Apply Now
CIBC Bonus Rate GIC 1 Year GIC
 3.00% 1 year $1,000 Apply Now
CIBC Bonus Rate GIC 3 Years GIC
 2.75% 3 years $1,000 Apply Now
CIBC Bonus Rate GIC 4 Years GIC
 2.75% 4 years $1,000 Apply Now

About CIBC

CIBC is one of Canada's Big Six banks, offering comprehensive banking services and competitive rates.

Bank Details

Key Features

  • Large branch network
  • Investment services
  • Competitive rates
  • Mobile banking
PRODUCT DEBUG INFO:
page_type: bank_product
product exists: YES
product.name: GIC
product.full_name: Guaranteed Investment Certificate
product.tax_treatment: Interest income is taxable (unless in registered account)
product.liquidity: Low - locked in for term
product.risk_level: No risk (CDIC insured)
product.best_for: ['Conservative investors', 'Guaranteed returns', 'Capital preservation', 'Known timeline']

About Guaranteed Investment Certificate

A secure investment that guarantees to preserve capital while earning a fixed rate of return.

Tax Treatment: Interest income is taxable (unless in registered account)
Liquidity: Low - locked in for term
Risk Level: No risk (CDIC insured)

Best For:

  • Conservative investors
  • Guaranteed returns
  • Capital preservation
  • Known timeline

❓ Frequently Asked Questions

What is the current CIBC GIC rate?

Current CIBC Guaranteed Investment Certificate rates vary based on term and balance. Use our comparison tool for the most up-to-date rates.

What is the minimum deposit for CIBC GIC?

The minimum deposit for CIBC Guaranteed Investment Certificate is $500.

Is CIBC CDIC insured?

Yes, CIBC is a CDIC member institution.

How does CIBC GIC compare to other banks?

Use our comparison tool to see how CIBC Guaranteed Investment Certificate rates and features compare to other Canadian banks.

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