Our products: GIC rates, mortgage rates and unified portfolios | National Bank Financial

GIC Rate

Guaranteed Investment Certificate (GIC)

Capital 100% guaranteed at maturity,
Fixed and guaranteed rates,
Over 30 issuers eligible for CDIC deposit insurance

Learn more

Extendible Flex GIC

Capital 100% guaranteed at maturity,
Resale possible to the Bank on a daily basis,
Diversification of interest-rate risk

Learn more

Market-linked structured notes

Capital protection through barriers of up to -50%.
Resale possible to the issuing bank on a daily basis
Higher return potential than GICs

Learn more

Guaranteed Investment Certificates rates (GICs)

Here are the best rates^{1, 2} of non-redeemable GICs for the current month.

November 10th, 2025

Guaranteed products	Gross rate offered^1-2-3
1 year GIC	3.10%
2 year GIC	3.36%
3 year GIC	3.49%
4 year GIC	3.55%
5 year GIC	3.69%

The rates are subject to management fees and will impact the gross rate shown

Rates subject to change - without notice - according to market conditions.

Each of these issuers is guaranteed by Canada Deposit Insurance Corporation (CDIC) up to $100 000.

Negotiated rates and short-term or redeemable maturities are available for tranches of $500 000 and above. Must be noted that negociated rates may be lower than those presented above.

Contact us today

Extendible Flex Guaranteed Investment Certificates (GIC)

Name

Term

Underlying

Structures

Capital protection

Sales period

Extendible Linear Accrual Flex GIC, series 282F

10 years (if not called)

s.o.

Accrual Amounts:

5.05% | 10.10% | 15.15% | 20.20% | 25.25% | 30.30% | 35.35% | 40.40% | 45.45% | 50.50%

Extendible annually

100% capital protection at maturity

Closing November 14th

Issuing November 20th

Market-linked structured notes

Name

Term

Underlying

Structures

Capital protection

Sales period

NBC Auto Callable Contingent Income Note Securities linked to the Solactive GBS United States 500 Hedged to CAD Index 3% Decrement, Class F

7 years

(If not called)

Solactive GBS United States 500 Hedged to CAD Index 3% Decrement

7.26% p.a. contingent coupon interest paid monthly

Coupon threshold: -30%

Callable monthly if ≥ 10% (starting after 6 months)

Maturity Barrier: -30%

Closing November 20th

Issuing November 26th

Some important details on Flex GIC:

Principal invested on the issue date guaranteed by the Bank at maturity
On the initial maturity date or on extended maturity dates, the Bank has the option to extend the maturity annually up until the final maturity date³
The Extendible Flex GICs with coupons pay annual fixed interest payments
Interests on the Extendible Linear Accrual Flex GIC are accrued in the product and not paid until maturity or redemption by the bank
Coupons based on the underlying reference rate plus a spread (%) for the duration of the term (Floating rate Flex GICs)
Floating rate Flex GICs offer variable coupons paid quarterly
Liquidity: can be sold back to the Bank on a daily basis, subject to normal market conditions
Initial value is not guaranteed when sold back to the bank by investor during the term
Eligible for CDIC deposit insurance
Management fees are to be expected

Some important details on Income Buffer notes:

Callable monthly if index returns are equal or above the call threshold of initial level after the 5th observation date⁶
No capital loss at maturity until the buffer is breached
Management fees are to be expected

Mortgage rates

Are you currently in the process of negotiating your residential mortgage?

Here is the National Bank¹ promotional offer you could benefit through National Bank Financial – Wealth Management clients offer.

Example for a $250 000 loan with a disbursement date before February 1st, 2026:

November 2025

Fixed 1-year	5.09%
Fixed 2-year	4.49%
Fixed 3-year	3.99%
Fixed 4-year	4.04%
Fixed 5-year	4.09%
Variable 5-year	4.05%

Find out what our financing expert can do for you.

Learn more about our financing solutions^{2, 3} for your new purchase, mortgage renewal or refinancing.

Plan a virtual meeting

Our portfolios

Image of graphs representing the returns of unified portfolios.

Invest with Confidence Through Our Diversified Solutions

Our team supports you in building a personalized portfolio, tailored to your needs and objectives. Our turnkey solutions combine intelligent diversification and management expertise to deliver competitive returns while placing risk management at the heart of our approach.

Our Advantages :

Equity sleeve with global and multifactor management enabling low volatility, momentum, quality and value
Satellite sector positions up to 10% of the equity block to capture growth opportunities
Fixed income sleeve with indexed and managed construction to ensure low costs and competitive performance
Alternative investments sleeve offering increased diversification, risk reduction and returns comparable to equities
Rigorous and diligent selection of the best funds and investment ideas

Discover how our investment solutions can help you achieve your financial goals.

Discover our portfolios

Receive our returns

Flow-through shares

Several tax shelters are available to reduce the tax burden imposed by tax law. Among these, flow-through shares are a way of optimizing a taxpayer's tax efficiency.

Learn more

Follow us on Linkedin

Certain conditions apply. For details and conditions of the offer, please contact your advisor.
Rates subject to change - without notice - according to market conditions.
Rates are subject to fees.
Financing solutions are subject to credit approval by National bank.

To qualify for the mortgage transfer offer, you must make your payments from a National Bank account.

The special offer on the variable rate corresponds to the base rate - spread (%), which is updated monthly. The offer cannot be combined or cumulated with any other benefit, offer or promotion applicable to National Bank mortgages, and is not retroactive.
APR as of 12-05-2023. APR stands for "Annual Cost of Borrowing Rate" and represents the amount of interest and fees charged by the Bank, in the form of a rate on an annual basis.
Rates may differ if amortization exceeds 25 years. Contact an advisor for more information.
Certain restrictions apply.