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Guaranteed Investment Certificate (GIC) management

Save for your goals your way with secure, predictable growth! 

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Discover how to buy Outlook Financial GICs in your non-registered or registered accounts, change your maturity instructions and, when you’re ready, withdraw your funds! 

GICs offer guaranteed returns, making them a reliable option for building savings with low risk.

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When buying a GIC makes sense

 Purchasing a GIC may be a good option if: 

  • You want a secure, low‑risk way to grow your savings with guaranteed returns.
  • You prefer predictable earnings over the uncertainty of market‑based investments.
  • You don’t need immediate access to your funds and are comfortable locking them in for a set term.
  • You’re looking to diversify your savings with a stable investment that supports your long‑term financial goals.
What do you need to know about buying a GIC?
  • The minimum GIC deposit amount is $1,000.
  • Your deposit will be completed within 1 business day after we receive your request.

How existing Outlook Financial members can purchase a GIC 

Purchase a new GIC with Outlook Financial in just a few simple steps! 

For non-registered GICs 

If you’re purchasing a non-registered GIC, simply complete and submit the online Deposit Form. 

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For registered GICs 

If you’d like to open a GIC within a registered plan (such as an FHSA, TFSA, RRSP or RRIF), you’ll need to have the corresponding plan open with Outlook Financial before purchasing your GIC. 

If your registered plan is already opened

You’re ready to invest.

Simply complete and submit the online Deposit Form to provide your investment instructions.

If your registered plan is not yet opened

  1. Open your plan first using the links below.
  2. Once your plan is active, log in to online banking to confirm it’s been opened. Then complete and submit the online Deposit Form to invest your funds.

Managing your GICs with Outlook Financial

From updating your renewal preferences to withdrawing your funds at maturity, the sections below outline everything you need to manage your GIC confidently. 

How do you change your GIC maturity instructions? How do you withdraw GIC funds? 

Unless you have provided us with other instructions, your Outlook Financial GIC will automatically renew into a Fixed GIC with the same term length at the rates posted on the maturity date. Automatic renewal ensures your savings continue earning interest without interruption.

If you’d like to change your renewal instructions, you can submit a request up to 14 calendar days before maturity. Use the Maturity Instructions Form to tell us whether you’d like to renew, redeem or reinvest your funds.

If you plan to reinvest a dollar amount different from the maturing amount, you’ll also need to complete the Deposit Form to provide your new investment details. This helps ensure accurate processing of partial reinvestments.

Outlook Financial Fixed GICs are not eligible for early redemption and must remain invested until the end of the selected term.

When your GIC matures, you have options for withdrawing your funds. Choose the plan type below to get started. (Requests are completed within 1 business day.) 

Forms required for purchasing and managing your GICs

New to Outlook Financial?

Your GIC purchase starts here.

To buy a GIC with Outlook Financial, you’ll first need to open an Outlook Financial membership. This includes opening a High‑Interest Savings Account (HISA), which allows us to set up your accounts and process your GIC purchase once your membership is active.

Complete your online application
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Steps for new members:

Once your Outlook Financial membership is opened:

  1. Open your TFSA, FHSA, RRSP or RIFF plan with Outlook Financial.  
  2. Complete the Deposit Form. 

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