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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 February 5, 2026
6 Month
Non-Redeemable Term Deposit (Non-Registered Only)
2.30
*
%
Redeemable
| Year | Posted Rate | Total Deposits $250,000 and over |
Total Deposits $500,000 and over |
Total Deposits $1,000,000 and over |
|---|---|---|---|---|
|
1 year
(non-registered only)
|
0.15% | 0.20% | 0.25% | 0.30% |
Non-Redeemable (Registered and Non-Registered)
| Year | Posted Rate | Total Deposits $250,000 and over |
Total Deposits $500,000 and over |
Total Deposits $1,000,000 and over |
|---|---|---|---|---|
| 1 year | 2.50% | 2.55% | 2.60% | 2.65% |
| 18 month | 2.55% | 2.55% | 2.55% |
2.55% |
| 2 year | 2.75% | 2.80% | 2.85% | 2.90% |
| 3 year | 2.70% | 2.75% | 2.80% | 2.85% |
| 4 year |
2.85%
|
2.90% | 2.95% | 3.00% |
| 5 year | 2.95% |
3.00% | 3.05% | 3.10% |
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.