Men smiling looking at tablet

Guaranteed Investment
Certificates (GICs)

Guaranteed Investment
Certificates (GICs)

Get started

What is a GIC?

Benefits of GICs

Stable returns

GICs can be particularly beneficial during times of high interest rates, as they provide a guaranteed return on investment that is unaffected by market fluctuations.

Portfolio diversification

Including GICs in your investment portfolio can help diversify your holdings, reducing overall risk and providing a more stable income stream.

Capital preservation

As GICs offer a guaranteed return, they're an excellent choice for conservative investors looking to preserve their capital while earning a modest return.

How to buy GICs

With a self-directed Questrade account, you can handpick the GICs most suited for your personal goals and needs in just a few easy steps.

get started

Invest in GICs easily with Questrade

Min. $5,000 purchase*

*Fees may apply if withdrawn early

Trade GICs with confidence

With a self-directed Questrade account, you have access to the tools, resources and support you need to make GIC trades confidently.

Self-directed investing

I want to build my portfolio

  • Trade stocks and ETFs commission-free 1. And options for as low as $0/contract 2.

  • Find fresh new trading ideas with easy-to-use research tools.

  • Mobile, web or desktop—trade your way on powerful platforms

We’re here to help you get started

Our account specialists are available to assist with any account-related questions you may have, and to help you get set up.

Start chat

Reach us by phone

Toll-free Within Canada

1.888.298.4515

From the U.S.

1.416.227.6615

International

(001) 416.227.6615

Phone hours

Monday-Friday, 8:30 AM to 8 PM EST

Get answers to frequently asked questions

Yes! GICs are one of the many assets you can add to your portfolio with a registered account. They are also available in non-registered accounts.

Cashable GICs allow for early withdrawal of funds before the maturity date without incurring any penalties.

With non-redeemable GICs, your funds are locked in for the entire term, and the issuer doesn't permit withdrawals before the maturity date.
A non-registered GIC is a GIC held in a non-registered account, such as Margin or Cash accounts.

1 'Zero commission trades', '$0 commissions', '$0 trading', 'trade commission-free' and similar messages, refer to commission-free trading for trades placed online through Questrade, Inc.'s website or mobile apps for stocks and ETFs that are listed on a stock exchange in the United States or Canada. Other fees may still apply.

2 As low as $0/contract pricing applies to US Options only.

Questrade, Inc. will provide a refund on your 99¢ USD options contract fees, charged in United States Dollars (“USD”), based on the progressive options pricing tiers you get to during the calendar month of trading. The refund for each tier applies only to contracts executed within that tier. For example, fees for contracts that fall into tier 2 are refunded based on the tier 2 rate, and fees for subsequent contracts that fall into tier 3 are refunded based on the tier 3 rate, and so on. Please see our options pricing for details on each tier.

Contract fee refunds will be paid out on the first business day of the month following the month in which the trades occurred. Refunds will be credited to the account(s) in which the eligible trades were executed. Other fees may still apply and are not covered by the refund. If a refund is paid into an individual RESP or Family RESP account, it will be credited in CAD equivalent of USD, as USD deposits are not available for RESP accounts.