Safe and secure investing

Lock in your rate. Invest with confidence in a Guaranteed Investment Certificate (GIC).

Backed by CDIC

Wyth really does


Great rates

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We offer great rates on short-term and long-term GICs so you can plan with confidence.


Peace of mind

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GICs are a secure way to save and invest. Your principal is not exposed to stock market volatility and you earn a guaranteed rate of return for the term of your investment.


Keep your money safe

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Wyth Financial is a trade name of Concentra Bank, a member of Canada Deposit Insurance Corporation (CDIC), so you can be sure your money is safe and sound.


Pure simplicity

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Purchase and manage your GIC investments digitally. Get started now!

Non-redeemable GIC rates*

Term Rate*
1 year 4.55%
18 months 4.60%
2 years 4.65%
3 years 4.70%
4 years 4.70%
5 years 4.80%

Watch your investments grow.

Investment Amount


Period in years

1 year
18 months
2 years
3 years
4 years
5 years



Guaranteed Value


* For more information see disclaimer below.

Choose a GIC from Wyth

Minimum investment amount
$1,000 CAD
Maximum investment amount
$150,000 CAD

What is a GIC?

A guaranteed investment certificate (GIC) locks away your savings for a fixed term. We guarantee the safety of your original investment and you earn interest at a fixed rate.

How does a GIC work?

You tell us how much you want to invest and for what term. You’ll start earning interest on your GIC once your investment funds are received. Then, when your term is up, your funds are available to you.

Are GICs a safe way to invest?

Your money is safe with us, and protected by the Canada Deposit Insurance Corporation (CDIC). They're a great option if you want to put some money away for a few years and be sure of its return.

What if I don't have a Wyth account?

It only takes a few minutes to open an account, which you’ll use to fund your GIC purchase. Fund your account using one of our convenient options, and when the funds are available, you can buy your GIC.

How do I buy a GIC?


Open a HISA

Before buying a GIC, you first need to open a HISA and have the funds available in it for your GIC purchase. The HISA acts as an operational account to fund and manage maturity of your GIC.


Move money to the HISA

Move money to the HISA using Interac e-Transfer® or by linking your external account at another financial institution and making a transfer. Interac e-Transfer® is the fastest way to fund your HISA – you’ll have access to these funds within about 30 minutes – but there’s dollar limits per transfer. You can transfer larger amounts from your linked account at another financial institution but there will be a 7-day hold on these funds.


Purchase your GIC

Once the money is clear of the hold, you can make your GIC purchase.

Invest today, enjoy tomorrow

Getting started is fast and simple.

Still have questions? Reach out!