01
Short-Term GICs
For investors with shorter maturity requirements. Terms such as 30–90 days, 6 months, 9 months or 1 year may be offered by some issuers. Only maturities verified with a specific issuer are displayed in the rate table.
Fixed Income · Capital Preservation
Certainty has a place in every portfolio.
Explore fixed-term deposit opportunities designed for investors who value clarity — known terms, defined interest rates and a predetermined maturity.
Fixed Terms
Know the maturity date before committing capital.
Defined Rates
Understand the applicable interest rate before investing.
Multiple Maturities
Compare short-, medium- and longer-term options where available.
Deposit Protection
Understand when and how eligible deposits may qualify for applicable deposit insurance.
Approach
Predictability, deliberately allocated.
Not every part of a portfolio needs to pursue maximum upside. Fixed-term deposits can provide a different function: preserving capital, generating defined interest and creating known maturity dates around future liquidity requirements.
Maryana Capital's approach is to consider fixed-term deposits within the context of the investor's broader portfolio, objectives, liquidity requirements and time horizon.
Liquidity
Income
Capital Preservation
Growth
GICs and term deposits sit conceptually between income and capital preservation. Educational illustration, not personalised advice.
Definitions
Guaranteed Investment Certificates
A Guaranteed Investment Certificate (GIC) is a Canadian term-deposit product issued by an eligible financial institution. An investor commits funds for an agreed period and receives interest according to the terms of the particular GIC.
Maryana Capital Inc. is not automatically the issuer of a GIC simply because the product is discussed or arranged through Maryana. The issuing financial institution must always be identified.
Products can differ by
- Issuer
- Term
- Interest rate
- Currency
- Minimum investment
- Interest-payment frequency
- Redeemability
- Registered / non-registered eligibility
- Deposit-insurance eligibility
Product types
Structures to understand before choosing a term.
02
Long-Term GICs
For investors willing to commit capital for longer periods — commonly 2 to 5 years — in exchange for the applicable fixed-term rate. Availability depends on the issuer.
03
Cashable / Redeemable GICs
Certain products may permit early access, subject to the issuer's specific conditions and potentially a different rate. Not every GIC is redeemable.
04
Non-Redeemable GICs
These generally require funds to remain invested until maturity, subject to the issuer's terms. Plan liquidity needs before committing.
05
Registered GICs
Some GICs may be eligible for registered accounts such as a TFSA, RRSP, RRIF or FHSA — only where supported by the relevant institution and account structure.
06
U.S.-Dollar / Foreign-Currency Deposits
Where available, these are denominated in a currency other than CAD and carry currency risk: the CAD value of principal and interest can rise or fall with exchange rates. Currency is always shown separately.
Rate centre
Today's Fixed-Term Opportunities
A product appears here only once its issuer, terms, rate, source, deposit-protection details and Maryana's ability to facilitate it have been verified.
| Issuer | Product | Term | Rate | Currency | Minimum | Redeemability | Interest Payment | Deposit Protection | Last Verified | Details |
|---|---|---|---|---|---|---|---|---|---|---|
Current rate integration in progress Rates and availability change. Speak with Maryana Capital for current product information. | ||||||||||
Rates shown are manually verified by Maryana staff from the stated source and expire automatically when not re-verified. They are not a live feed. Rates and availability change.
GIC ladder
Build a maturity ladder.
A GIC ladder divides capital across different maturity dates rather than committing the entire allocation to a single term.
YEAR 1
$10,000.00
Interest: —Maturity value: —Matures: Oct 22, 2027YEAR 2
$10,000.00
Interest: —Maturity value: —Matures: Oct 22, 2028YEAR 3
$10,000.00
Interest: —Maturity value: —Matures: Oct 22, 2029YEAR 4
$10,000.00
Interest: —Maturity value: —Matures: Oct 22, 2030YEAR 5
$10,000.00
Interest: —Maturity value: —Matures: Oct 22, 2031
Illustrative only. Actual results depend on the products, rates, interest calculation and terms selected. No verified rates are pre-filled unless displayed in the rate table above; any rate you enter is your own assumption. Each maturity assumes annual compounding to maturity.
Calculator
See what a defined rate could mean.
- Initial investment
- $25,000.00
- Estimated interest
- Enter a rate
- Estimated maturity value
- —
- Term
- 1 year
- Effective annual rate
- Not applicable
Illustrative estimate only. Actual interest and maturity value depend on the issuing institution's product terms. Taxes, fees and early-redemption consequences may not be reflected.
Deposit protection
Understanding deposit protection.
Eligible deposits held at a CDIC member institution can receive CDIC protection subject to applicable coverage categories, limits and eligibility requirements.
Coverage is generally determined per insured category and per member institution. Clients should verify their individual circumstances directly with CDIC and the issuing institution.
Learn About CDIC ProtectionEligible deposit products can include
- GICs
- Other term deposits
- Savings deposits
- Chequing deposits
- Eligible foreign-currency deposits
Deposit protection applies to eligible deposits at participating institutions. It does not mean every financial product offered through an investment firm is CDIC insured. Maryana Capital Inc. does not provide deposit insurance.
Through an adviser
One relationship. Multiple maturities.
GICs may be purchased through a broker or investment adviser, depending on the firm's arrangements and the issuing institution. Working through one relationship can make it simpler to compare terms and coordinate maturities.
The issuing institution remains central to understanding the product terms, maturity, interest, deposit protection and your concentration across issuers. Specific issuer relationships are identified only once verified, and are confirmed to you in writing before any commitment.
United States
Certificates of Deposit
The U.S. counterpart to the Canadian term-deposit conversation.
Certificates of Deposit (CDs) are fixed-term deposit products commonly offered by U.S. banks. Although structurally similar in concept to Canadian GICs, CDs operate within a different banking, regulatory, currency and deposit-insurance framework.
Canadian GIC
- Typical market
- Canada
- Typical currency
- CAD
- Potential protection
- Applicable Canadian deposit-insurance regime where eligible
U.S. CD
- Typical market
- United States
- Typical currency
- USD
- Potential protection
- FDIC, where the issuing institution and deposit qualify
Availability of U.S. CDs to Canadian investors depends on the issuing institution, account structure, intermediary and applicable eligibility requirements. U.S. CDs are discussed here for education; availability through Maryana has not been confirmed.
Purpose
The role of certainty.
Capital Preservation
A defined maturity value can help support capital-preservation objectives, subject to issuer and product terms.
Predictable Income
Fixed-rate products can provide greater visibility into expected interest.
Portfolio Diversification
Fixed-term deposits may complement market-linked assets within a broader allocation.
Maturity Planning
Staggered maturities can help align portions of a portfolio with future liquidity requirements.
Fixed-term deposits are not appropriate for every investor. Inflation, reinvestment risk, liquidity restrictions and issuer terms all matter.
Comparison
GICs vs bonds vs cash.
| Feature | GIC | Government / Corporate Bond | Cash |
|---|---|---|---|
| Principal | Subject to product/issuer terms and applicable protection | Subject to market and issuer (credit) risk | Generally stable nominal value; purchasing power can erode with inflation |
| Interest | Defined according to the product | Coupon / yield; price depends on market | Variable |
| Maturity | Defined | Defined | None |
| Liquidity | Product dependent; may be locked until maturity | Market dependent; sale price may differ from par | High |
| Market-price fluctuation | Generally not relevant when held to maturity under product terms | Yes | Minimal |
| Deposit insurance | Potentially eligible where issuer and deposit qualify | Generally no CDIC deposit protection | Potentially eligible depending on account and institution |
General educational comparison. No category is universally "safe"; outcomes depend on the specific product, issuer, terms and the investor's circumstances.
Philosophy
Stability and optionality.
A portfolio does not have to choose between defence and opportunity. Fixed-term deposits can address liquidity and capital-preservation objectives while other allocations pursue longer-term growth or market opportunities.
Educational conceptual framework only — not a recommended allocation. Options carry significant risk; see our Risk Disclosure.
GICs / Term Deposits
Capital preservation · Predictability · Defined maturity
PORTFOLIO CORE
Gold / Precious Metals
Diversification · Real-asset exposure
Options Strategies
Defined-risk market exposure · Flexibility
Questions
GIC & term deposit FAQ
Is Maryana Capital Inc. the issuer of the GICs discussed here?+
No. A GIC is issued by an eligible financial institution. Maryana Capital Inc. is not a bank, does not accept deposits and is not automatically the issuer of a GIC simply because the product is discussed or arranged through Maryana. The issuing institution must always be identified.
Are GICs covered by CDIC?+
Eligible deposits, including eligible GICs, held at a CDIC member institution can receive CDIC protection subject to coverage categories, limits and eligibility requirements. Not every product is eligible, and Maryana itself does not provide deposit insurance. Verify your circumstances with CDIC and the issuer.
Can I withdraw a GIC before maturity?+
It depends on the product. Cashable or redeemable GICs may permit early access under the issuer's conditions, often at a different rate. Non-redeemable GICs generally require funds to remain invested until maturity.
What is a GIC ladder?+
A GIC ladder divides capital across different maturity dates rather than committing the entire allocation to a single term, so portions of the portfolio mature at intervals.
Are the rates on this page live?+
No. Rates are entered and verified by Maryana staff from a stated source, carry a last-verified timestamp and expire automatically if not re-verified. Rates and availability change; speak with Maryana Capital for current product information.
A Conversation About Certainty
Put your cash to work with intention.
Whether you're approaching a known liquidity event, building a maturity ladder or simply reconsidering the role of cash in your portfolio, start with a conversation about your objectives.
Consultations are private and without obligation.
Enquiry
Request Current GIC & Deposit Information
Maryana Capital Inc. is not a bank, does not accept deposits, does not provide deposit insurance and does not guarantee any issuer, interest payment or investment performance. Information on this page is educational and general in nature, not personalised advice. Products are issued by the named financial institution and are subject to its terms, eligibility and availability.