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 1.650%

*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 0.350%
60 - 89 days 0.450%
90 - 119 days 0.550%
120 - 179 days 0.550%
180 - 269 days 0.650%
270 - 364 days 0.750%

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

Non-Redeemable GIC (Annually)* Rates
12 - 23 months 2.150%
24 - 35 months 2.350%
36 - 47 months 2.500%
48 - 59 months 2.650%
60 - 66 months 2.800%

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

Non-Redeemable GIC (Monthly)* Rates
12 - 23 months 2.025%
24 - 35 months 2.225%
36 - 47 months 2.375%
48 - 59 months 2.525%
60 - 66 months 2.675%

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

USD Short Term GIC* Rates
30 – 59 days 0.350%
60 – 89 days 0.400%
90 – 119 days 0.450%
120 – 179 days 0.500%
180 – 269 days 0.550%
270 – 364 days 0.600%

*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).

 

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