Term Deposits

A Guaranteed Investment Certificate (GIC), commonly called a Term Deposit, is a safe and secure way to grow your savings. ACU guarantees your investment 100% and you can choose an interest rate that’s fixed or variable for the term of the investment.


  • your original investment and interest payments are protected, which means less risk
  • choose from short-term or long, redeemable or non-redeemable, registered or non-registered, guaranteed interest rate, fixed or variable interest rate or market-based GICs
  • you'll receive competitive interest rates on your GIC Term Deposit

Current GIC Rates

Non-Redeemable GIC (Annually)* Rates
12 - 23 months 2.250%
24 - 35 months 2.300%
36 - 47 months 2.300%
48 - 59 months 2.300%
60 - 66 months 2.550%

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

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).


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