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BMO Student Experience - Values and ConnectionsGICs are safe and secure saving goals. BMO has different options for you and you can also save on your taxes with TFSA & RRSP while growing your money. BMO's current GIC rates ; days, Up to %, BMO Redeemable Short Term Investment Certificate ; days, Up to %, BMO Variable Rate GIC ; 1 year - under. Find GICs that can help you achieve your financial goals. Explore and compare over guaranteed income certificates to select ones best suited to you.