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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.

View GIC and term deposits rates

Explore your GIC investment options

BMO customers:
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Sign in to open a new GIC or contribute to an existing one securely.

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BMO Nesbitt Burns clients can open BMO GICs through their advisors.
Self-directed investing

Self-directed investing

For customers interested in self-directed investment options, sign in to your BMO InvestorLine account.

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InvestorLine client?

Open a self-directed investments account with BMO InvestorLine.

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Investment resources