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TERM DEPOSIT/GIC RATES

OUR RATES

 
List of rates for FEATURED TERM DEPOSIT RATES
FEATURED TERM DEPOSIT RATES

Rates Effective: 2024-02-06

Rate
1-Year Non-Redeemable Registered Term Deposit/GIC
5.00
2-year Non-Redeemable Registered Term Deposit/GIC
4.75
3-year PRIMECONNECT® Redeemable Term Deposit/GIC
5.70
 

You can purchase select non-registered term deposits in online banking. It's simple, just log in to online banking and select the right account for you. Not a member yet? Become a member online in a matter of minutes.

Contact us to purchase any of our registered term deposit products, or if you're not sure which product is right for you.

 


All GIC / Term Deposit Rates

Registered  |  Non-Registered Prime-Linked   |   Market-Linked  


List of rates for Cashable Term Deposits (Registered)
Cashable Term Deposits (Registered)

Rates Effective: 2024-02-06

Rate
12-month cashable (redeemable after 30 days)
2.75
StepUp® 6Plus6 - first 6 months
1.25
StepUp® 6Plus6 - second 6 months
6.25
StepUp® 6Plus6 - average rate
3.75
StepUp® 9Plus9 - first 9 months
1.25
StepUp® 9Plus9 - second 9 months
6.75
StepUp® 9Plus9 - average rate
4.00
StepUp® 18Plus18 - first 18 months
1.00
StepUp® 18Plus18 - second 18 months
6.50
StepUp® 18Plus18 - average rate
3.75
 
List of rates for Short-Term Non-Redeemable Term Deposits (Registered)
Short-Term Non-Redeemable Term Deposits (Registered)

Rates Effective: 2023-04-27

Rate
30-59 days
0.45
60-89 days
0.55
90-119 days
0.65
120-179 days
0.75
180-269 days
3.05
270-364 days
3.25
 
List of rates for Long-term Non-Redeemable Term Deposits (Registered)
Long-term Non-Redeemable Term Deposits (Registered)

Rates Effective: 2024-01-05

Rate
1 year
5.00
2 year
4.75
3 year
4.65
4 year
4.45
5 year
4.35



​Non-Registered GIC / Term Deposit Rates

 

List of rates for Cashable Term Deposits (Non-Registered)
Cashable Term Deposits (Non-Registered)

Rates Effective: 2024-02-06

Rate
12-month cashable (redeemable after 30 days)
2.75
StepUp® 6Plus6 - first 6 months
1.25
StepUp® 6Plus6 - second 6 months
6.25
StepUp® 6Plus6 - average rate
3.75
StepUp® 9Plus9 - first 9 months
1.25
StepUp® 9Plus9 - second 9 months
6.75
StepUp® 9Plus9 - average rate
4.00
StepUp® 18Plus18 - first 18 months
1.00
StepUp® 18Plus18 - second 18 months
6.50
StepUp® 18Plus18 - average rate
3.75
 
List of rates for Short-Term Non-Redeemable Term Deposits (Non-Registered)
Short-Term Non-Redeemable Term Deposits (Non-Registered)

Rates Effective: 2023-04-27

Rate
30-59 days
0.45
60-89 days
0.55
90-119 days
0.65
120-179 days
0.75
180-269 days
3.05
270-364 days
3.25
 
List of rates for Long-Term Non-Redeemable Term Deposits (Non-Registered)
Long-Term Non-Redeemable Term Deposits (Non-Registered)

Rates Effective: 2024-02-06

Rate
1 year
4.75
2 year
4.50
3 year
4.40
4 year
4.20
5 year
4.10
 
List of rates for Non-Redeemable US Term Deposits (Non-Registered)
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



​Prime-Linked GIC / Term Deposit Rates

 

List of rates for Redeemable Term Deposits (Registered/Non-Registered)
Redeemable Term Deposits (Registered/Non-Registered)

Rates Effective: 2023-07-13

Rate
3-year PRIMECONNECT®
5.70



Market-Linked GIC / Term Deposit Rates

 

List of rates for winwin EarthLink™ Market-Linked GIC (registered/non-registered)
winwin EarthLink™ Market-Linked GIC (registered/non-registered)

Rates Effective: 2024-01-23

Rate
Minimum guaranteed annual rate (3 year)
3.00
Maximum potential cumulative return (3 year)
25.00
Minimum guaranteed annual rate (5 year)
3.00
Maximum potential cumulative return (5 year)
40.00
 
List of rates for winwin® FINANCIAL SERVICES market-linked GIC (registered/non-registered)
winwin® FINANCIAL SERVICES market-linked GIC (registered/non-registered)

Rates Effective: 2024-01-23

Rate
Minimum guaranteed annual rate (3 year)
3.00
Maximum potential cumulative return (3 year)
25.00
Minimum guaranteed annual rate (5 year)
3.00
Maximum potential cumulative return (3 year)
40.00

 

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

 

List of rates for First West Credit Union Prime Rates
First West Credit Union Prime Rates

Rates Effective: 2023-07-28

Rate
Prime
7.20
US Prime
9.00

 

Rate subject to change without notice.

 
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