GIC (Term Deposits)
Choose either a fixed or variable rate for your term deposit (also known as a Guaranteed Investment Certificate or GIC). Keep it in mind that your principal investment is 100% guaranteed with us.
| Redeemable GIC* | Rates |
|---|---|
| 1-Year | 1.950% |
*Minimum deposit $1,000 (interest paid at maturity or time of redemption)
*Penalty applies if redeemed early. Convertible to a Long Term GIC without penalty. No partial withdrawals.
| Short Term Non-Redeemable GIC* | Rates |
|---|---|
| 30 - 59 days | 0.550% |
| 60 - 89 days | 0.650% |
| 90 - 119 days | 0.750% |
| 120 - 179 days | 0.750% |
| 180 - 269 days | 0.850% |
| 270 - 364 days | 0.950% |
*Minimum deposit $5,000 (interest paid on maturity)
| Non-Redeemable GIC (Annually)* | Rates |
|---|---|
| 12 - 23 months | 2.450% |
| 24 - 35 months | 2.450% |
| 36 - 47 months | 2.500% |
| 48 - 59 months | 2.550% |
| 60 - 66 months | 2.700% |
*Minimum deposit $1,000 (interest is paid annually on anniversary date/at maturity)
| Non-Redeemable GIC (Monthly)* | Rates |
|---|---|
| 12 - 23 months | 2.325% |
| 24 - 35 months | 2.325% |
| 36 - 47 months | 2.375% |
| 48 - 59 months | 2.425% |
| 60 - 66 months | 2.575% |
*Minimum deposit $1,000 (interest is paid monthly on anniversary date/at maturity)
| USD Short Term GIC* | Rates |
|---|---|
| 30 – 59 days | 0.550% |
| 60 – 89 days | 0.600% |
| 90 – 119 days | 0.650% |
| 120 – 179 days | 0.700% |
| 180 – 269 days | 0.750% |
| 270 – 364 days | 0.850% |
*Minimum deposit $1,000 (interest paid on maturity)
NOTE: interest rates are subject to change without notice at any time. For more information, please visit your nearest ACU branch or call us at 204.958.8588 (toll-free 1.877.958.8588).