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.

Redeemable Term Deposits/GICs

12-Month Cashable >

Competitive interest rate with easy access to your funds.

List of rates for REDEEMABLE AFTER 30 DAYS | REGISTERED/NON-REGISTERED
REDEEMABLE AFTER 30 DAYS \| REGISTERED/NON-REGISTERED Rates Effective: 2025-08-19	Rate
12-month cashable	2.28

Step-Up®>

Guaranteed growth with an escalating rate.

List of rates for REDEEMABLE ANY TIME | REGISTERED/NON-REGISTERED
REDEEMABLE ANY TIME \| REGISTERED/NON-REGISTERED Rates Effective: 2025-08-19	Rate
Step-Up® 6Plus6 - first 6 months	0.75
Step-Up® 6Plus6 - second 6 months	4.79
Step-Up® 6Plus6 - average rate	2.77

Step-Up® 9Plus9 - first 9 months	0.75
Step-Up® 9Plus9 - second 9 months	4.89
Step-Up® 9Plus9 - average rate	2.82

Step-Up® 18Plus18 - first 18 months	0.75
Step-Up® 18Plus18 - second 18 months	4.99
Step-Up® 18Plus18 - average rate	2.87

PRIMECONNECT® >

Prime-linked term deposit that can take advantage of potential increases in the Prime Rate.

List of rates for REDEEMABLE ON ANNIVERSARY | REGISTERED/NON-REGISTERED
REDEEMABLE ON ANNIVERSARY \| REGISTERED/NON-REGISTERED Rates Effective: 2025-03-13	Rate
PRIMECONNECT® (3 year)	3.70

Non-redeemable Term Deposits/GICs

Short term non-redeemable >

Competitive interest rates for less than 1 year terms.

List of rates for NON-REDEEMABLE | REGISTERED/NON-REGISTERED
NON-REDEEMABLE \| REGISTERED/NON-REGISTERED Rates Effective: 2025-06-27	Rate
30-59 days	0.45
60-89 days	2.16
90-119 days	2.16
120-179 days	2.16
180-269 days	2.64
270-364 days	2.64

Long term non-redeemable >

Competitive interest rates for 1 year and longer terms.

List of rates for NON-REDEEMABLE TERM DEPOSITS | REGISTERED/NON-REGISTERED
NON-REDEEMABLE TERM DEPOSITS \| REGISTERED/NON-REGISTERED Rates Effective: 2025-08-19	Rate
1 year	3.04
2 year	3.21
3 year	3.23
4 year	3.26
5 year	3.29

winwin® Market-linked >

Market-linked term deposit with a guaranteed minimum return and the potential to earn more.

List of rates for WINWIN EARTHLINK™ MARKET-LINKED GIC | NON-REDEEMABLE | REGISTERED/NON-REGISTERED/BUSINESS
WINWIN EARTHLINK™ MARKET-LINKED GIC \| NON-REDEEMABLE \| REGISTERED/NON-REGISTERED/BUSINESS Rates Effective: 2025-07-22	Rate
Minimum guaranteed annual rate (3 year)	0.50
Maximum potential cumulative return (3 year)	18.00

Minimum guaranteed annual rate (5 year)	0.50
Maximum potential cumulative return (5 year)	35.00

List of rates for WINWIN® FINANCIAL SERVICES MARKET-LINKED GIC | NON-REDEEMABLE | REGISTERED/NON-REGISTERED/BUSINESS
WINWIN® FINANCIAL SERVICES MARKET-LINKED GIC \| NON-REDEEMABLE \| REGISTERED/NON-REGISTERED/BUSINESS Rates Effective: 2025-07-22	Rate
Minimum guaranteed annual rate (3 year)	0.50
Maximum potential cumulative return (3 year)	24.00

Minimum guaranteed annual rate (5 year)	0.50
Maximum potential cumulative return (5 year)	40.00

US Dollar Non-redeemable >

Earn interest on your U.S. Dollar funds at a guaranteed rate.

List of rates for NON-REDEEMABLE | NON-REGISTERED
NON-REDEEMABLE \| 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

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FEATURED RATE

QUICK LINKS

Explore term deposit/GIC types >

TFSA calculator >

RESP calculator >

Term 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.

OUR RATES

TERM DEPOSITS

PRIME