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Investing | CIBC

† Annual rate is current as of RDS%SYSTEM_DATE(#M# #d#, #Y#)% and may be changed or withdrawn at any time without notice. The rate applies to a 1-year, non-redeemable CIBC Bonus Rate GIC (non-registered and registered).

For the non-registered Bonus Rate GIC, the rate is for the $1,000 to $4,999 investment tier (refer to GIC rates).

Interest on non-registered GICs: For terms less than 1 year, simple interest is calculated and paid at maturity. For terms 1 year or more, simple interest is calculated and paid monthly, semi-annually or annually, depending on the payment option you select; or, compound interest is calculated annually and paid at maturity. For the monthly payment option, the annual interest rate will be 0.25% less than the rate shown (except if held by CIBC 60 Plus Advantage® customers and CIBC Smart™ for Seniors customers). For the semi-annual payment option, the annual interest rate will be 0.125% less than the rate shown.

Interest on registered GICs: For terms of 1 year or less, simple interest is calculated and paid at maturity. For terms over a year, compound interest will be calculated annually and paid at maturity.

1 Mobile Investment Consultant is the title used in all provinces except Quebec. In Quebec, the term is Mobile Investment Specialist.

Mobile Investment Consultants and Specialists may not be available to meet in person in some regions in Manitoba, Quebec, Saskatchewan, New Brunswick, Newfoundland, Nova Scotia and Prince Edward Island. In these cases, visit your local CIBC Banking Centre. This offering isn’t available in Northwest Territories, Nunavut and Yukon. In these provinces, please visit your local CIBC Banking Centre for any financial needs. 

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