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HomePersonal BankingWealth ManagementSmall BusinessCommercialCorporate & InstitutionalAbout BMO

GICs

Guaranteed Investment Certificates (GICs) are an ideal way to make your money grow and protect your investment with flexible terms ranging up to 10 years. Investing in different types of GICs lets you take advantage of all the different benefits GICs offer, as well as providing diversification for your portfolio. Diversification can help maximize investment returns.

By choosing the right GICs you can:

  • Protect 100% of your capital
  • Generate steady, predictable income
  • Diversify your overall investment portfolio and reduce risk
  • Pay yourself monthly, quarterly, semi-annually or annually

Explore Your GIC Investment Options


  • Cashable Investments

    You don’t have to lock-in your money to earn competitive investment returns. If you think you’ll need access to your funds, consider cashable GICs.

    • Cash in your investment at certain times
    • Competitive returns
  • Non-Cashable Investments

    Ideal for investors who are comfortable with locking in funds to meet short-term and long-term investment goals.

    • Earn a higher rate of return
  • Income-Generating Investments

    When you want to supplement income in retirement, or even before you retire.

    • Provides a steady stream of income
    • Pay yourself monthly, quarterly, semi-annually or annually
  • U.S. Dollar Investments

    Do you travel frequently to the U.S.? Then U.S. Dollar GICs could help simplify your investment needs.

    • Allows you to invest in U.S. dollars
  • Market-Linked Investments

    BMO Progressive GICs are market-linked GICs that provide peace of mind through principal protection and higher return potential.

    • Earn returns based on the performance of the equity markets
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