If a GIC is non-redeemable, you simply may not be able to withdraw it early except in cases where the accountholder dies and the proceeds are given to their next of kin. Some banks may give you a lower interest rate on the money you withdraw and sometimes you may have to pay a fee to withdraw. If you likely will be cashing out early, get a cashable GIC which allows you to withdraw with no penalty and still earn interest at a lower rate.