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GICs

Guaranteed Investment Certificates (GICs) are safe investments that offer you a flexible range of investment options and competitive returns.

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 BMO Cashable GICs.

  • Non-Cashable Investments

    By investing for a specified term, you’ll earn a higher rate of return. BMO non-cashable GICs are ideal for investors who are comfortable with locking in funds to meet short-term and long-term investment goals.

  • Income-Generating Investments

    If you need to supplement income in retirement, or even before you retire, BMO Term Investments can provide you with a steady stream of income while the rest of your money remains safely invested.

  • U.S. Dollar Investments

    Do you want to invest in U.S. dollars? Do you travel frequently to the U.S.? Then BMO U.S. Dollar Investments could help simplify your investment needs.

  • Market-Linked GIC Investments

    BMO Market-Linked GICs provide peace of mind through security and higher returns potential. Your investment is designed to optimize returns and you’ll always receive 100% of the money you invest.