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TERM DEPOSIT/GIC RATES

OUR RATES

You can purchase 12-month non-registered cashable term deposits as well as all 1 to 5 year non-registered non-redeemable terms online. It's simple, just log in to online banking and select 'Open an Account'. Contact us to purchase any of our registered term deposit products.

 
 


​Featured Term Deposit Rates​

 

List of rates for FEATURED TERM DEPOSIT RATES
FEATURED TERM DEPOSIT RATES Rate
3-year PRIMECONNECT® Redeemable Term Deposit
1.80
2-year Non-Redeemable Term Deposit
3.10
StepUp® 9Plus9 - first 9 months
0.40
StepUp® 9Plus9 - second 9 months
5.30
StepUp® 9Plus9 - average rate
2.85
 


Registered Term Deposit Rates

 

List of rates for Cashable Term Deposits (Registered)
Cashable Term Deposits (Registered) Rate
12-month cashable (redeemable after 30 days)
1.80
StepUp® 6Plus6 - first 6 months
0.40
StepUp® 6Plus6 - second 6 months
4.00
StepUp® 6Plus6 - average rate
2.20
StepUp® 9Plus9 - first 9 months
0.40
StepUp® 9Plus9 - second 9 months
5.30
StepUp® 9Plus9 - average rate
2.85
StepUp® 18Plus18 - first 18 months
0.40
StepUp® 18Plus18 - second 18 months
5.70
StepUp® 18Plus18 - average rate
3.05
 
List of rates for Short-Term Non-Redeemable Term Deposits (Registered)
Short-Term Non-Redeemable Term Deposits (Registered) Rate
30-59 days
0.25
60-89 days
0.30
90-119 days
0.35
120-179 days
0.40
180-269 days
1.00
270-364 days
1.75
 
List of rates for Long-term Non-Redeemable Term Deposits (Registered)
Long-term Non-Redeemable Term Deposits (Registered) Rate
1 year
2.75
2 year
3.10
3 year
3.15
4 year
3.20
5 year
3.30


​Non-Registered Term Deposit Rates

 

List of rates for Cashable Term Deposits (Non-Registered)
Cashable Term Deposits (Non-Registered) Rate
12-month cashable (redeemable after 30 days)
1.80
StepUp® 6Plus6 - first 6 months
0.40
StepUp® 6Plus6 - second 6 months
4.00
StepUp® 6Plus6 - average rate
2.20
StepUp® 9Plus9 - first 9 months
0.40
StepUp® 9Plus9 - second 9 months
5.30
StepUp® 9Plus9 - average rate
2.85
StepUp® 18Plus18 - first 18 months
0.40
StepUp® 18Plus18 - second 18 months
5.70
StepUp® 18Plus18 - second 18 months
3.05
 
List of rates for Redeemable Term Deposits (Registered/Non-Registered)
Redeemable Term Deposits (Registered/Non-Registered) Rate
3-year PRIMECONNECT®
1.80
 
List of rates for Short-Term Non-Redeemable Term Deposits (Non-Registered)
Short-Term Non-Redeemable Term Deposits (Non-Registered) Rate
30-59 days
0.25
60-89 days
0.30
90-119 days
0.35
120-179 days
0.40
180-269 days
1.00
270-364 days
1.75
 
List of rates for Long-Term Non-Redeemable Term Deposits (Non-Registered)
Long-Term Non-Redeemable Term Deposits (Non-Registered) Rate
1 year
2.75
2 year
3.10
3 year
3.15
4 year
3.20
5 year
3.20
 
market-linked term deposits (registered/non-registered) rate
winwin EarthLink™   25.00%*
winwin® Financial Services   25.00%*


*Maximum potential cumulative 5-year rate. 

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

 

Term deposit rates are subject to change without notice. Interest rates are per annum. Interest compounds annually. Terms and conditions apply.

winwin EarthLink™ terms and conditions ​/ winwin® Financial Services terms and conditions

PRIMECONNECT™ interest rate is per annum and is linked to the First West Credit Union prime rate.

The Credit Union Deposit Insurance Corporation of British Columbia, a statutory corporation, fully guarantees all deposits. Credit union equity shares and investments such as mutual funds or RSP equity plans are not covered by deposit insurance.

Prime Rates

 

List of rates for First West Credit Union Prime Rates
First West Credit Union Prime Rates Rate
Prime
3.20
US Prime
4.50

 

Rate subject to change without notice.

 

PLANNING AND ADVICE THAT GROWS WITH YOU

Good advice starts with a conversation about your unique situation. We’ll work with you to understand your overall investment strategy and make recommendations on the right mix of investment solutions for your financial goals. 

Let’s talk about your financial wellbeing.