14-month GIC | 3.55%*
28-month GIC | 3.75%*
54-month GIC | 3.95%*
Plus, we'll refund your transfer-in fee up to $250***
a great rate is only
the beginning
Grow your savings with our limited-time GIC specials—plus, we’ll refund your transfer fees!
Choose from a selection of GIC specials designed to help you reach your savings goals. When you transfer your registered accounts, we’ll refund your transfer-in fee, up to $250.
Choose from these GIC Specials:
14-month GIC | 3.55%*
28-month GIC | 3.75%*
54-month GIC | 3.95%*
See all GIC options
Connect with an SCU specialist and invest with confidence.
How to get these limited-time GIC rates
• Call us at 1.800.728.6440 to open your GIC over the phone
• Book an appointment online for an in-branch or virtual appointment
• Visit your nearest SCU branch and we’ll help you open your GIC in person
Calculate your GIC
Benefits of a Guaranteed Investment Certificate (GIC)
A GIC provides a guaranteed rate of return over a fixed period. With a fixed-rate GIC, your initial investment is protected, making GICs a safe and reliable way to grow your savings over time. Here are just a few of the benefits to opening a GIC:
- Guarantees your principal investment, including interest earned (except Index-Linked GICs)
- Offers a higher interest rate than a variable savings account
- Tiered rates allow you to earn even more interest the more you save
- Multiple term options allow you to choose the term that best fits your savings goals
- Available within an FHSA, TFSA, RRSP, or RRIF to allow for tax efficiency
GICs for every stage of life
Whatever your age or stage, GICs can be tailored to help you reach a variety of savings goals. Whether you’re looking to save for the short-term, safely participate in the stock market, or are looking for a consistent source of investment income, there’s a GIC for that.
While there’s no one-size-fits-all approach to investing, there is a GIC for every level of investor and need.
Meet with an SCU specialist today to discover which GIC is right for you.
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Explore our rates
| GIC (RRSP / RRIF / TFSA / FHSA) | ||
|---|---|---|
| 12-month | Less than $100K | 3.30% |
| $100K - $249,999 | 3.35% | |
| $250K** and over | 3.40% | |
| 14-month Special Rate | 3.55% | |
| 24-month | Less than $100K | 3.45% |
| $100K - $249,999 | 3.50% | |
| $250K** and over | 3.55% | |
| 28-month Special Rate | 3.75% | |
| 36-month | Less than $100K | 3.55% |
| $100K - $249,999 | 3.60% | |
| $250K** and over | 3.65% | |
| 48-month | Less than $100K | 3.60% |
| $100K - $249,999 | 3.65% | |
| $250K** and over | 3.70% | |
| 54-month Special Rate | 3.95% | |
| 60-month | Less than $100K | 3.70% |
| $100K - $249,999 | 3.75% | |
| $250K** and over | 3.80% |
Exclusive wealth offer | Earn a 1% cash bonus
Transfer $10,000 or more to Aviso Wealth through SCU Wealth from another Canadian financial institution and receive a 1% cash back bonus, up to $5,000.1 Plus, we'll refund the transfer-in fee up to $250.1
1Terms and Conditions apply. Mutual funds and other securities are offered through Aviso Wealth, a division of Aviso Financial Inc. Unless otherwise stated, mutual funds, other securities and cash balances are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions.