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GIC's, Explained - When Should You Invest In Guaranteed Investment Certificates?With a CIBC Short-Term GIC, you deposit money for a set period of 30 to days at a fixed rate of interest. The longer your term, the higher the rate you. The CIBC Cashable Escalating Rate GIC offers guaranteed returns, rates that increase each year and access to your money on each anniversary date or up to 7 days. CIBC's GICs offer competitive interest rates, have flexibility, and come with Canadian Deposit Insurance Corporation (CDIC) protection.
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