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Term Deposits
A low-risk investment opportunity with guaranteed returns.
Why invest with a term deposit?
A term deposit, also known as a Guaranteed Investment Certificate (GIC), is a low-risk investment where a fixed amount is deposit with Christian Credit Union for a set period of time at a predetermined interest rate.
You may choose to invest through a term deposit because it offers guaranteed returns and principal protection, making it a safe and predictable way to grow your savings. Because it’s a low-risk option, your money is shielded from market fluctuations while providing fixed interest over a set period. Additionally, your deposit is 100% guaranteed due to the Credit Union Deposit Guarantee Corporation.
Current Term Deposit Rates
Effective June 25, 2026
Non-Redeemable (Registered and Non-Registered)
| Year | Posted Annual Rate* | Total Deposits $250,000 and over |
Total Deposits $500,000 and over |
Total Deposits $1,000,000 and over |
|---|---|---|---|---|
| 6 month** | 2.25% | 2.30% | 2.35% | 2.40% |
| 1 year | 2.65% | 2.70% | 2.75% | 2.80% |
| 18 month | 2.75% | 2.80% | 2.85% |
2.90% |
| 2 year | 2.85% | 2.90% | 2.95% | 3.00% |
| 3 year | 2.85% | 2.90% | 2.95% | 3.00% |
| 4 year |
2.85%
|
2.90% | 2.95% | 3.00% |
| 5 year | 3.15% |
3.20% | 3.25% | 3.30% |
* Posted Annual Rate means the stated interest rate is expressed on a one-year basis. For investments with terms shorter than one year, the interest is calculated proportionally based on the length of the term.
** 6 month terms only apply to non-registered products. Registered products are not offered for a 6 month term.
Rates subject to change without notice.
Investments are eligible for profit sharing as declared by the Credit Union’s Board of Directors. Profit sharing is not guaranteed and is in the sole discretion of the Board of Directors. For more information about profit sharing, click here.