Rates
Competitive, flexible rates for all your personal and business mortgage, loan, saving, and investment needs.
Rates are current as of November 13, 2026 and subject to change without notice. Conditions may apply.
| Account | Account Balance | Interest Rate |
|---|---|---|
| GIC (RRSP / RRIF / TFSA / FHSA) | ||
| 12-month | Less than $100K | 3.80% |
| $100K - $249,999 | 3.85% | |
| $250K** and over | 3.90% | |
| 24-month | Less than $100K | 3.90% |
| $100K - $249,999 | 3.95% | |
| $250K** and over | 4.00% | |
| 36-month | Less than $100K | 4.00% |
| $100K - $249,999 | 4.05% | |
| $250K** and over | 4.10% | |
| 48-month | Less than $100K | 4.10% |
| $100K - $249,999 | 4.15% | |
| $250K** and over | 4.20% | |
| 60-month | Less than $100K | 4.20% |
| $100K - $249,999 | 4.25% | |
| $250K** and over | 4.30% | |
| Index-Linked GIC | Variable Return |
GIC rates last updated October 8, 2026. Rates subject to change without notice.
**Limits may apply.
Get started today
Have questions?
Complete the form and an SCU specialist will reach out to you.
START THE CONVERSATION
