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Guaranteed Investment Certificates (GIC)

Enjoy secure, predictable investment growth with a Guaranteed Investment Certificate (GIC) from Outlook Financial!

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Grow your savings with guaranteed returns and no market risk by investing in an Outlook Financial Guaranteed Investment Certificate (GIC). Choose from flexible terms and competitive rates designed to support your financial goals. 

A GIC protects your principal while offering predictable, fixed‑term growth, making it a dependable option for both short‑ and long‑term savings. 

Why open a Guaranteed Investment Certificates?

  • Guaranteed returns: Know exactly how much you’ll earn with a fixed interest rate.
  • Deposit protection: Your principal and accrued interest are fully guaranteed by the DGCM.
  • Flexible terms: Choose from 1‑ to 5‑year terms with competitive rates.
  • Interest options: Reinvest your interest or have it paid annually to your HISA.
  • Registered and non‑registered options: Hold GICs in both registered plans and non‑registered accounts.

A GIC is a dependable way to protect your savings and earn guaranteed returns with zero market risk. 

Benefits of Outlook Financial's GICs

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Guaranteed returns

Lock in a fixed interest rate for the term you choose (1–5 years) and watch your savings grow predictably. Outlook GICs provide stable, guaranteed earnings throughout the entire term.

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Competitive Interest Rates

Take advantage of rates that are consistently higher than standard savings accounts, helping your money work harder.

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Flexible terms

Choose from a range of fixed-term options (1–5 years) to match your financial goals and timing. These flexible terms allow you to build a personalized investment ladder for secure, predictable returns.

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Security you can trust

All GIC deposits, including principal and interest, are 100% guaranteed by the Deposit Guarantee Corporation of Manitoba (DGCM), giving you peace of mind.

GIC rules

  • The minimum deposit for Outlook GICs is $1000.
  • Outlook fixed GICs are not eligible for early redemption and must remain invested until the end of their term.
  • At maturity, GICs can be automatically reinvested or transferred to your High-Interest Savings Account.
  • Registered GICs options (RRSP, RRIF, TFSA, FHSA) follow CRA rules for contributions, withdrawals, and tax treatment.

How do I open a Guaranteed Investment Certificate?

New to Outlook Financial?

Your membership starts here. 

To start saving and investing with a Guaranteed Investment Certificate, you’ll first need an Outlook Financial membership. Your membership begins with a High-Interest Savings Account (HISA), which acts as the foundation for transferring funds and holding your registered or investment products. Once your HISA is open, you can add your GIC and start reaching your financial goals.

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For existing members

If you're already a member, you can easily purchase GICs as a non-registered investment or within your RRSP, RRIF, TFSA or FHSA. Visit our GIC Management page for more information.