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Guaranteed Investment Certificates - GICs

It's in Your Best Interest

B2B BankGICs (Guaranteed Investment Certificates) pay interest for a specific term at a guaranteed rate of interest. GICs can be purchased with maturities of up to 5 years.

The majority of Canadians choose their local bank when purchasing a GIC. You should be aware that there are many other financial institution in Canada that will compete for your deposits. In order to shop for the best rates you need a broker. 

Consumers that use a broker consistently get higher rates than those that deal with their bank directly. Stone-Hedge Financial Group Inc. will shop the market and compare rates with our contracted financial institutions and insurance companies that offer competitive rates for your deposits. 

Coverage is limited to $100,000 per institution. If you have more than $100,000 in any one institution you should consider spreading your deposits with several institutions and have all your deposits fully insured.

GICs are insured by CDIC up to certain limits. GICs are sold by banks and trust companies for more information go to www.cdic.ca

GICs sold by credit unions are insured provincially up to certain limits for more information go to www.dico.com  for Ontario deposit insurance. 

GIAs with insurance companies are sold by licensed insurance brokers and are insured by Assuris up to certain limits for more information go to www.assuris.ca

We offer deposits for RRSP, RRIF, and non-registered accounts. Stone-Hedge Financial Group Inc. acts as a broker, we do not accept cash or cheques payable to Stone-Hedge Financial Group Inc. All cheques for deposits are payable to the financial institution the deposit is to be places with.


Contact Us To Connect With One Of Our Independent Financial Brokers


The information provided on this web site is intended for general information only. It should not be construed as legal, accounting, tax or specific insurance and investment advice. Clients should consult a professional advisor concerning their situations and any specific insurance and investment matters. While reasonable steps have been taken to ensure that this information was accurate as of the date hereof, Stone-Hedge Financial Group Inc. and its affiliates make no representation or warranty as to the accuracy of this information and assume no responsibility for reliance upon it.

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