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Term Deposit

Worry-free investing made easy.

 
 

A Term Deposit (also known as a Guaranteed Investment Certificate, or GIC) gives you a competitive return and the flexibility to access your money after the term is over. It’s a win-win.​

 
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​Redeemable Term Deposit

  • Redeemable with full accrued interest after 1 year
  • Benefit from Credit Union Deposit Insurance
  • Use in registered and non-registered accounts 
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​Non-Redeemable Term Deposit

  • Use in registered and non-registered accounts
  • Benefit from Credit Union Deposit Insurance
 
 

Term Deposit

  • Interest is compounded annually, paid at maturity
  • Use in registered and non-registered accounts
  • Benefit from Credit Union Deposit Insurance
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Term Deposits

List of rates for TERM DEPOSIT
TERM DEPOSIT Rate
1 Year Redeemable Term Deposit
2.75
1 Year Non-Redeemable Fixed Rate
3.75
2 Year Non-Redeemable
3.50
3 Year Non-Redeemable
3.30
4 Year Non-Redeemable
3.30
5 Year Non-Redeemable
3.30
Junior Redeemable, for those under 19 years old
3.30
 
  • All rates are subject to change without notice, and are not guaranteed unless confirmed by phone, email, or fax.
  • Junior Fixed Rate Redeemable Term Deposits have a $100.00 minimum and lifetime of account maximum to $5000.00 as their purpose is to promote and educate young Members about savings and financial literacy.
  • Conditions may apply.
  • ​In the event of a discrepancy between these rates and the official rates posted in our office, the latter shall prevail. 

Important note: These calculators are made available to you as tools for independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy. Please visit your local branch to seek personalized advice from qualified professionals for all personal finance issues.

 
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​Need a hand?

Whether you're investing for retirement, a mortgage down payment or an education fund, our expert investment team will tailor their advice to help.

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Our handy savings calculator will help you estimate how your investments will grow over time.