GIC Rate
3- and 5-year GIC
3.75%
GIC and Impact GIC Rates
One-Year GIC
Limited-time special offer
3.60%
For farm, agricultural, commercial, and faith and community organization lending rates, please Contact Us or Meet with Us. We’re happy to help!
Impact GIC Rates
Community Inspiration GIC3
Learn more about Community GICs.
| Term | Under $25,000 | $25,000 – $50,000 |
|---|---|---|
| 3 Year | 3.20 % | 3.25 % |
Affordable Housing GIC4
Learn more about Affordable Housing GICs.
| Term | Under $25,000 | $25,000 – $50,000 |
|---|---|---|
| 4 Year | 3.30 % | 3.30 % |
We offer additional interest rate tiers for larger GIC deposits. Higher deposit tiers earn higher rates. Premium rates are available at the following tiers: $50,000; $100,000; $250,000; $500,000; and $1,000,000 and over. Speak with a member of our Wealth and Investment team today to learn more.
GIC Rates 1,2
| Term | Under $25,000 | $25,000 – $50,000 |
|---|---|---|
| 30 days | 1.80 % | 1.85 % |
| 60 days | 1.90 % | 1.95 % |
| 90 days | 2.05 % | 2.10 % |
| 180 days | 2.25 % | 2.30 % |
| 270 days | 2.35 % | 2.40 % |
| 1 Year Special | 3.60 % | 3.60 % |
| 1 Year | 3.20 % | 3.20 % |
| 1 Year Cashable | 2.05 % | 2.10 % |
| 2 Year | 3.00 % | 3.05 % |
| 3 Year | 3.75 % | 3.75 % |
| 4 Year | 3.30 % | 3.35 % |
| 5 Year | 3.75 % | 3.75 % |
GIC Step Term Rates 5,6
3-Year Step Term
Minimum deposit of $500 for members 18 and older. Minimum deposit of $50 for members under 18.
| Year | Rate |
|---|---|
| Year 1 | 2.60 % |
| Year 2 | 2.70 % |
| Year 3 | 3.70 % |
| Compound Return | 3.00 % |
5-Year Step Term
Minimum deposit of $500 for members 18 and older. Minimum deposit of $50 for members under 18.
| Year | Rate |
|---|---|
| Year 1 | 2.65 % |
| Year 2 | 2.75 % |
| Year 3 | 2.95 % |
| Year 4 | 3.05 % |
| Year 5 | 5.35 % |
| Compound Return | 3.35 % |
Market-Linked GIC
Market-Linked GICs grow with the markets while protecting your principal. Your savings are guaranteed, with returns linked to a basket of equities.
Rates are subject to change without notice at any time. All GICs are not redeemable prior to maturity unless otherwise indicated.
For more information about our investment products, rates, or deposit insurance please contact us, or visit your local branch and speak with a member of our Wealth and Investment team. High interest savings, daily interest savings, and combined savings / chequing accounts are also available.
At Kindred Credit Union, eligible deposits in registered accounts have unlimited coverage through the Financial Services Regulatory Authority of Ontario (FSRA). Eligible deposits not in registered accounts are insured up to $250,000 through FSRA. Learn more about deposit insurance.
- Tiered Rates are determined by the total value of one or more GICs invested at Kindred Credit Union that start on the same day.
- Aggregate Rates apply where the total value of all GICs, Investment Shares, and Registered Contracts invested at Kindred Credit Union and Aviso Wealth investments equal $250,000 and above.
- Community Inspiration GICs are available as RRSP, RRIF, TFSA, or non-registered. Available for purchase January through June.
- Affordable Housing GICs are available as RRSP, RRIF, TFSA, or non-registered.
- 3-Year Step Term GICs are transferable for a 30-day period following each anniversary date to a term equal to, or longer than, and are available as RRSP, RRIF, TFSA, or non-registered.
- 5-Year Step Term GICs are redeemable on any day following the first anniversary date, and are available as RRSP, RRIF, TFSA, or non-registered.