Standard GIC

Who said there are no guarantees in life? Choose a term length that works for you and earn a guaranteed rate of return.

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About this account

Enjoy a competitive fixed interest rate with low risk and high reward

Tiered rates start at $100K.
Interest is paid annually and can be compounded (added to the GIC) or paid out to your account
GICs are non-redeemable
Available for personal, business, charity, and community account holders

Standard GIC features you’re sure to enjoy

Save on your terms

Choose from convenient 1- to 5-year terms with a minimum investment of $500.

Deposit more, earn more

Maximize your savings with tiered rates paid on your entire balance.

Your savings are protected

At SCU, all deposits are guaranteed 100% by the Deposit Guarantee Corporation of Manitoba.*

Give your GICs a boost

Secure your 0.15%* fixed-rate GIC boost. Only until October 15.

Boost your GIC now

GIC rates

GIC (RRSP / RRIF / TFSA / FHSA)
12-month	Less than $100K	3.45%
	$100K - $249,999	3.50%
	$250K** and over	3.55%
24-month	Less than $100K	3.45%
	$100K - $249,999	3.50%
	$250K** and over	3.55%
36-month	Less than $100K	3.50%
	$100K - $249,999	3.55%
	$250K** and over	3.60%
48-month	Less than $100K	3.55%
	$100K - $249,999	3.60%
	$250K** and over	3.65%
60-month	Less than $100K	3.60%
	$100K - $249,999	3.65%
	$250K** and over	3.70%

Index-Linked GIC		Variable Return

U.S. Dollar GIC
30-day		2.80%
60-day		2.85%
90-day		2.90%
12-month		4.00%

GIC rates last updated September 5, 2025. Rates subject to change without notice. **Limits may apply.

*Includes all savings and chequing accounts, RRSPs, RRIFs, TFSAs, and GICs.

“Give your GICs a Boost” Offer Details

a. The 0.15% rate boost (“Offer”) is available from September 15 until October 15.
b. The Offer will be added on top of the posted rate for the selected term. The Offer will remain in effect for the full term.
c. This Offer is available for new and existing members who open or renew an eligible GIC during the offer period.
d. Applies to all 1 to 5-year fixed-rate GICs, including tiered pricing, as well as USD fixed-rate GICs. Also applies to GICs held within RRSPs, RRIFs, TFSAs and FHSAs. (Excludes GICs held within RESPs and RDSPs. Also excludes GIC rate specials.)
e. GICs are non-redeemable and require a minimum deposit of $500.
f. Deposit limits may apply to deposits greater than $250,000.
g. Rates are subject to change without notice.
h. This Offer is not available for variable-rate products such as Index-Linked GICs. Not applicable for deposits opened or renewed outside of the promotional period.
i. This Offer can be withdrawn at any time.