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 1.300%

*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 0.250%
60 - 89 days 0.350%
90 - 119 days 0.450%
120 - 179 days 0.450%
180 - 269 days 0.550%
270 - 364 days 0.650%

*Minimum deposit $5,000 (interest paid on maturity)

Non-Redeemable GIC (Annually)* Rates
12 - 23 months 1.800%
24 - 35 months 1.850%
36 - 47 months 1.900%
48 - 59 months 1.950%
60 - 66 months 2.000%

*Minimum deposit $1,000 (interest is paid annually on anniversary date/at maturity)

Non-Redeemable GIC (Monthly)* Rates
12 - 23 months 1.675%
24 - 35 months 1.725%
36 - 47 months 1.775%
48 - 59 months 1.825%
60 - 66 months 1.875%

*Minimum deposit $1,000 (interest is paid monthly on anniversary date/at maturity)

USD Short Term GIC* Rates
30 – 59 days 0.100%
60 – 89 days 0.150%
90 – 119 days 0.200%
120 – 179 days 0.200%
180 – 269 days 0.250%
270 – 364 days 0.350%

*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).

 

Online BankingExpand/Collapse