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- Rates
- Term Deposit Rates
TERM DEPOSIT/GIC RATES
Members can purchase our most popular term deposits in online banking or the mobile app. If you have questions, prefer to open an account with an advisor, or don't bank with us yet, book an appointment today.
Registered | Non-Registered | Prime-Linked | Market-Linked
| Cashable Term Deposits (Registered) Rates Effective: 2025-04-09 |
Rate |
|---|---|
| 12-month cashable (redeemable after 30 days) |
2.26
|
| Step-Up® 6Plus6 - first 6 months |
0.75
|
| Step-Up® 6Plus6 - second 6 months |
4.75
|
| Step-Up® 6Plus6 - average rate |
2.75
|
| Step-Up® 9Plus9 - first 9 months |
0.75
|
| Step-Up® 9Plus9 - second 9 months |
4.85
|
| Step-Up® 9Plus9 - average rate |
2.80
|
| Step-Up® 18Plus18 - first 18 months |
0.75
|
| Step-Up® 18Plus18 - second 18 months |
4.95
|
| Step-Up® 18Plus18 - average rate |
2.85
|
| Short-Term Non-Redeemable Term Deposits (Registered) Rates Effective: 2025-04-09 |
Rate |
|---|---|
| 30-59 days |
0.45
|
| 60-89 days |
0.55
|
| 90-119 days |
0.65
|
| 120-179 days |
0.75
|
| 180-269 days |
2.64
|
| 270-364 days |
2.64
|
| Long-term Non-Redeemable Term Deposits (Registered) Rates Effective: 2025-04-09 |
Rate |
|---|---|
| 1 year |
2.86
|
| 2 year |
2.99
|
| 3 year |
3.09
|
| 4 year |
3.09
|
| 5 year |
3.09
|
| Cashable Term Deposits (Non-Registered) Rates Effective: 2025-04-09 |
Rate |
|---|---|
| 12-month cashable (redeemable after 30 days) |
2.26
|
| Step-Up® 6Plus6 - first 6 months |
0.75
|
| Step-Up® 6Plus6 - second 6 months |
4.75
|
| Step-Up® 6Plus6 - average rate |
2.75
|
| Step-Up® 9Plus9 - first 9 months |
0.75
|
| Step-Up® 9Plus9 - second 9 months |
4.85
|
| Step-Up® 9Plus9 - average rate |
2.80
|
| Step-Up® 18Plus18 - first 18 months |
0.75
|
| Step-Up® 18Plus18 - second 18 months |
4.95
|
| Step-Up® 18Plus18 - average rate |
2.85
|
| Short-Term Non-Redeemable Term Deposits (Non-Registered) Rates Effective: 2025-04-09 |
Rate |
|---|---|
| 30-59 days |
0.45
|
| 60-89 days |
0.55
|
| 90-119 days |
0.65
|
| 120-179 days |
0.75
|
| 180-269 days |
2.64
|
| 270-364 days |
2.64
|
| Long-term Non-Redeemable Term Deposits (Registered) Rates Effective: 2025-04-09 |
Rate |
|---|---|
| 1 year |
2.86
|
| 2 year |
2.99
|
| 3 year |
3.09
|
| 4 year |
3.09
|
| 5 year |
3.09
|
| Non-Redeemable US Term Deposits (Non-Registered) Rates Effective: 2023-04-27 |
Rate |
|---|---|
| 30-59 days |
0.05
|
| 60-89 days |
0.10
|
| 90-119 days |
0.15
|
| 120-179 days |
0.20
|
| 180-269 days |
0.25
|
| 270-364 days |
0.30
|
| Redeemable Term Deposits (Registered/Non-Registered) Rates Effective: 2025-03-13 |
Rate |
|---|---|
| 3-year PRIMECONNECT® |
3.70
|
| winwin EarthLink™ Market-Linked GIC (registered/non-registered/business) Rates Effective: 2025-03-18 |
Rate |
|---|---|
| Minimum guaranteed annual rate (3 year) |
1.00
|
| Maximum potential cumulative return (3 year) |
18.00
|
| Minimum guaranteed annual rate (5 year) |
1.00
|
| Maximum potential cumulative return (5 year) |
35.00
|
| winwin® FINANCIAL SERVICES market-linked GIC (registered/non-registered/business) Rates Effective: 2025-03-18 |
Rate |
|---|---|
| Minimum guaranteed annual rate (3 year) |
1.00
|
| Maximum potential cumulative return (3 year) |
30.00
|
| Minimum guaranteed annual rate (5 year) |
1.00
|
| Maximum potential cumulative return (5 year) |
50.00
|
Term deposit rates are subject to change without notice. Interest rates are per annum. Interest compounds annually. Terms and conditions apply.
winwin market-linked GIC minimum guaranteed annual interest rate is paid out annually and does not compound. This product has a ceiling that determines the maximum return you may receive at maturity. Terms and conditions apply.
PRIMECONNECT® interest rate is per annum and is linked to the First West Credit Union prime rate.
FEATURED RATE
OUR RATES
TERM DEPOSITS
PRIME
Registered | Non-Registered | Prime-Linked | Market-Linked
| Cashable Term Deposits (Registered) Rates Effective: 2025-04-09 |
Rate |
|---|---|
| 12-month cashable (redeemable after 30 days) |
2.26
|
| Step-Up® 6Plus6 - first 6 months |
0.75
|
| Step-Up® 6Plus6 - second 6 months |
4.75
|
| Step-Up® 6Plus6 - average rate |
2.75
|
| Step-Up® 9Plus9 - first 9 months |
0.75
|
| Step-Up® 9Plus9 - second 9 months |
4.85
|
| Step-Up® 9Plus9 - average rate |
2.80
|
| Step-Up® 18Plus18 - first 18 months |
0.75
|
| Step-Up® 18Plus18 - second 18 months |
4.95
|
| Step-Up® 18Plus18 - average rate |
2.85
|
| Short-Term Non-Redeemable Term Deposits (Registered) Rates Effective: 2025-04-09 |
Rate |
|---|---|
| 30-59 days |
0.45
|
| 60-89 days |
0.55
|
| 90-119 days |
0.65
|
| 120-179 days |
0.75
|
| 180-269 days |
2.64
|
| 270-364 days |
2.64
|
| Long-term Non-Redeemable Term Deposits (Registered) Rates Effective: 2025-04-09 |
Rate |
|---|---|
| 1 year |
2.86
|
| 2 year |
2.99
|
| 3 year |
3.09
|
| 4 year |
3.09
|
| 5 year |
3.09
|
| Cashable Term Deposits (Non-Registered) Rates Effective: 2025-04-09 |
Rate |
|---|---|
| 12-month cashable (redeemable after 30 days) |
2.26
|
| Step-Up® 6Plus6 - first 6 months |
0.75
|
| Step-Up® 6Plus6 - second 6 months |
4.75
|
| Step-Up® 6Plus6 - average rate |
2.75
|
| Step-Up® 9Plus9 - first 9 months |
0.75
|
| Step-Up® 9Plus9 - second 9 months |
4.85
|
| Step-Up® 9Plus9 - average rate |
2.80
|
| Step-Up® 18Plus18 - first 18 months |
0.75
|
| Step-Up® 18Plus18 - second 18 months |
4.95
|
| Step-Up® 18Plus18 - average rate |
2.85
|
| Short-Term Non-Redeemable Term Deposits (Non-Registered) Rates Effective: 2025-04-09 |
Rate |
|---|---|
| 30-59 days |
0.45
|
| 60-89 days |
0.55
|
| 90-119 days |
0.65
|
| 120-179 days |
0.75
|
| 180-269 days |
2.64
|
| 270-364 days |
2.64
|
| Long-term Non-Redeemable Term Deposits (Registered) Rates Effective: 2025-04-09 |
Rate |
|---|---|
| 1 year |
2.86
|
| 2 year |
2.99
|
| 3 year |
3.09
|
| 4 year |
3.09
|
| 5 year |
3.09
|
| Non-Redeemable US Term Deposits (Non-Registered) Rates Effective: 2023-04-27 |
Rate |
|---|---|
| 30-59 days |
0.05
|
| 60-89 days |
0.10
|
| 90-119 days |
0.15
|
| 120-179 days |
0.20
|
| 180-269 days |
0.25
|
| 270-364 days |
0.30
|
| Redeemable Term Deposits (Registered/Non-Registered) Rates Effective: 2025-03-13 |
Rate |
|---|---|
| 3-year PRIMECONNECT® |
3.70
|
| winwin EarthLink™ Market-Linked GIC (registered/non-registered/business) Rates Effective: 2025-03-18 |
Rate |
|---|---|
| Minimum guaranteed annual rate (3 year) |
1.00
|
| Maximum potential cumulative return (3 year) |
18.00
|
| Minimum guaranteed annual rate (5 year) |
1.00
|
| Maximum potential cumulative return (5 year) |
35.00
|
| winwin® FINANCIAL SERVICES market-linked GIC (registered/non-registered/business) Rates Effective: 2025-03-18 |
Rate |
|---|---|
| Minimum guaranteed annual rate (3 year) |
1.00
|
| Maximum potential cumulative return (3 year) |
30.00
|
| Minimum guaranteed annual rate (5 year) |
1.00
|
| Maximum potential cumulative return (5 year) |
50.00
|
Term deposit rates are subject to change without notice. Interest rates are per annum. Interest compounds annually. Terms and conditions apply.
winwin market-linked GIC minimum guaranteed annual interest rate is paid out annually and does not compound. This product has a ceiling that determines the maximum return you may receive at maturity. Terms and conditions apply.
PRIMECONNECT® interest rate is per annum and is linked to the First West Credit Union prime rate.
Prime Rates
| First West Credit Union Prime Rates Rates Effective: 2025-03-13 |
Rate |
|---|---|
| Prime |
4.95
|
| US Prime |
8.25
|
Rate subject to change without notice.
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We acknowledge that we have the privilege of doing business on the traditional and unceded territory of First Nations communities.
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© First West Credit Union. All rights reserved.
Proudly Canadian
© First West Credit Union. All rights reserved.
Proudly Canadian