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  • Rates
  • Term Deposit Rates
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TERM DEPOSIT/GIC RATES


Members can purchase our most popular term deposits in online banking or the mobile app. If you have questions, prefer to open an account with an advisor, or don't bank with us yet, book an appointment today.

Registered  |  Non-Registered  |  Prime-Linked   |  Market-Linked  

List of rates for Cashable Term Deposits (Registered)
Cashable Term Deposits (Registered)

Rates Effective: 2024-12-19

 Rate
12-month cashable (redeemable after 30 days)
2.75
StepUp® 6Plus6 - first 6 months
0.85
StepUp® 6Plus6 - second 6 months
5.35
StepUp® 6Plus6 - average rate
3.10
StepUp® 9Plus9 - first 9 months
0.85
StepUp® 9Plus9 - second 9 months
5.55
StepUp® 9Plus9 - average rate
3.20
StepUp® 18Plus18 - first 18 months
0.85
StepUp® 18Plus18 - second 18 months
5.05
StepUp® 18Plus18 - average rate
2.95
 
List of rates for Short-Term Non-Redeemable Term Deposits (Registered)
Short-Term Non-Redeemable Term Deposits (Registered)

Rates Effective: 2024-12-19

 Rate
30-59 days
0.45
60-89 days
0.55
90-119 days
0.65
120-179 days
0.75
180-269 days
3.51
270-364 days
3.25
 
List of rates for Long-term Non-Redeemable Term Deposits (Registered)
Long-term Non-Redeemable Term Deposits (Registered)

Rates Effective: 2024-12-19

 Rate
1 year
3.64
2 year
3.51
3 year
3.21
4 year
3.16
5 year
3.06


​
Non-Registered Term Deposit/GIC Rates

List of rates for Cashable Term Deposits (Non-Registered)
Cashable Term Deposits (Non-Registered)

Rates Effective: 2024-12-19

 Rate
12-month cashable (redeemable after 30 days)
2.75
StepUp® 6Plus6 - first 6 months
0.85
StepUp® 6Plus6 - second 6 months
5.35
StepUp® 6Plus6 - average rate
3.10
StepUp® 9Plus9 - first 9 months
0.85
StepUp® 9Plus9 - second 9 months
5.55
StepUp® 9Plus9 - average rate
3.20
StepUp® 18Plus18 - first 18 months
0.85
StepUp® 18Plus18 - second 18 months
5.05
StepUp® 18Plus18 - average rate
2.95
 
List of rates for Short-Term Non-Redeemable Term Deposits (Non-Registered)
Short-Term Non-Redeemable Term Deposits (Non-Registered)

Rates Effective: 2024-12-19

 Rate
30-59 days
0.45
60-89 days
0.55
90-119 days
0.65
120-179 days
0.75
180-269 days
3.51
270-364 days
3.25
 
List of rates for Long-term Non-Redeemable Term Deposits (Registered)
Long-term Non-Redeemable Term Deposits (Registered)

Rates Effective: 2024-12-19

 Rate
1 year
3.64
2 year
3.51
3 year
3.21
4 year
3.16
5 year
3.06
 
List of rates for Non-Redeemable US Term Deposits (Non-Registered)
Non-Redeemable US Term Deposits (Non-Registered)

Rates Effective: 2024-08-23

 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



Prime-Linked Term Deposit/GIC Rates

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

Rates Effective: 2024-12-12

 Rate
3-year PRIMECONNECT®
4.20



Market-Linked Term Deposit/GIC Rates

List of rates for winwin EarthLink™ market-linked GIC (registered/non-registered/business)
winwin EarthLink™ market-linked GIC (registered/non-registered/business)

Rates Effective: 2024-11-19

 Rate
Minimum guaranteed annual rate (3 year)
0.50
Maximum potential cumulative return (3 year)
23.00
Minimum guaranteed annual rate (5 year)
0.59
Maximum potential cumulative return (5 year)
40.00
 
List of rates for winwin® FINANCIAL SERVICES market-linked GIC (registered/non-registered/business)
winwin® FINANCIAL SERVICES market-linked GIC (registered/non-registered/business)

Rates Effective: 2024-11-19

 Rate
Minimum guaranteed annual rate (3 year)
0.99
Maximum potential cumulative return (3 year)
30.00
Minimum guaranteed annual rate (5 year)
0.79
Maximum potential cumulative return (5 year)
50.00
 
FEATURED RATE

1-year Non-Redeemable GIC

3.64
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QUICK LINKS
Explore term deposit/GIC types >

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RESP calculator >

 

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

winwin market-linked GIC minimum guaranteed annual interest rate is paid out annually and does not compound. This product has a ceiling that determines the maximum return you may receive at maturity. Terms and conditions apply.

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

 

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