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GIC Rates

PERSONAL BANKING   >  INVESTING   >  GICS   >  GIC RATES
Tiered Rates1,2,3,4,8

For terms up to 364 days, the minimum deposit is $5,000.
For terms from 1 to 5 years, the minimum deposit is $500 for members 18 and older and $50 for members under 18.

solid-1800
UP TO $24,999
  
Rate
solid-1800
30-59 days
2.00
solid-1800
60-89 days  2.10
solid-1800
90-179 days  2.30
solid-1800
180-269 days
2.45
solid-1800
270-364 days 2.55
solid-1800
1 Year

3.05
solid-1800
2 Year 3.10
solid-1800
3 Year 3.10
solid-1800
3 Year – Community Inspiration GIC 3.10
solid-1800
4 Year 3.10
solid-1800
4 year - Affordable Housing GIC 3.10
solid-1800
5 Year 3.10
solid-1800
$25,000 TO $49,999
  
Rate
turquoise-solid-1800
30-59 days  2.05
turquoise-dotted-1800
60-89 days  2.15
turquoise-dotted-1800
90-179 days  2.35
solid-1800
180-269 days
 2.50
turquoise-dotted-1800
270-364 days  2.60
turquoise-dotted-1800
1 Year
3.10
solid-1800
2 Year
3.15
solid-1800
3 Year
3.15
turquoise-dotted-1800
3 Year – Community Inspiration GIC
3.15
turquoise-dotted-1800
4 Year
3.15
turquoise-dotted-1800
4 year - Affordable Housing GIC 3.15
turquoise-dotted-1800
5 Year
3.15
solid-1800
$50,000 TO $99,999
  
Rate
solid-1800
30-59 days
2.10
solid-1800
60-89 days
2.20
solid-1800
90-179 days
2.40
solid-1800
180-269 days
2.50
solid-1800
270-364 days
2.65
solid-1800
1 Year
3.15
solid-1800
2 Year
3.20
solid-1800
3 Year
3.20
solid-1800
3 Year – Community Inspiration GIC
3.20
solid-1800
4 Year 
3.20
solid-1800
4 year - Affordable Housing GIC
3.20
solid-1800
5 Year
3.20
solid-1800
$100,000 TO $249,999
  
Rate
turquoise-solid-1800
30-59 days  2.15
turquoise-dotted-1800
60-89 days  2.25
turquoise-dotted-1800
90-179 days  2.45
solid-1800
180-269 days
2.50
turquoise-dotted-1800
270-364 days  2.70
turquoise-dotted-1800
1 Year
3.20
solid-1800
2 Year
3.25
solid-1800
3 Year
3.25
turquoise-dotted-1800
3 Year – Community Inspiration GIC
3.25
solid-1800
4 Year
3.25
turquoise-dotted-1800
4 year - Affordable Housing GIC
3.25
turquoise-dotted-1800
5 Year
3.25
solid-1800
$250,000 to $499,999
  
Rate
solid-1800
30-59 days
2.15
solid-1800
60-89 days
2.30
solid-1800
90-179 days
2.50
solid-1800
180-269 days
2.50
solid-1800
270-364 days
2.70
solid-1800
1 Year
3.25
solid-1800
2 Year
3.30
solid-1800
3 Year
3.30
solid-1800
3 Year – Community Inspiration GIC
3.30
solid-1800
4 Year 
3.30
solid-1800
4 year - Affordable Housing GIC
3.30
solid-1800
5 Year
3.30
solid-1800
$500,000 TO $999,999
  
Rate
turquoise-solid-1800
30-59 days  2.15
turquoise-dotted-1800
60-89 days  2.30
turquoise-dotted-1800
90-179 days  2.50
solid-1800
180-269 days
2.50
turquoise-dotted-1800
270-364 days  2.70
turquoise-dotted-1800
1 Year
3.25
solid-1800
2 Year
3.30
solid-1800
3 Year
3.30
turquoise-dotted-1800
3 Year – Community Inspiration GIC
3.30
solid-1800
4 Year
3.30
turquoise-dotted-1800
4 year - Affordable Housing GIC
3.30
turquoise-dotted-1800
5 Year
3.30
solid-1800
$1,000,000 AND OVER
  
Rate
solid-1800
30-59 days
2.15
solid-1800
60-89 days
2.30
solid-1800
90-179 days
2.50
solid-1800
180-269 days
2.50
solid-1800
270-364 days
2.70
solid-1800
1 Year
3.25
solid-1800
2 Year
3.30
solid-1800
3 Year
3.30
solid-1800
3 Year – Community Inspiration GIC
3.30
solid-1800
4 Year 
3.30
solid-1800
4 year - Affordable Housing GIC
3.30
solid-1800
5 Year
3.30
solid-1800

3-Year Step Term 5

Minimum deposit of $500 for members 18 and older.
Minimum deposit of $50 for members under 18.

solid-1800
YEAR Rate 
solid-1800
Year 1
2.55
solid-1800
Year 2  2.60
solid-1800
Year 3  3.40
solid-1800
Compound Return
2.85

5-Year Step Term 6

Minimum deposit of $500 for members 18 and older.
Minimum deposit of $50 for members under 18.

solid-1800
YEAR Rate 
solid-1800
Year 1
2.55
solid-1800
Year 2  2.60
solid-1800
Year 3  2.60
solid-1800
Year 4
2.60
solid-1800
Year 5
3.90
solid-1800
Compound return
2.85

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.

1 Tiered Rates are determined by the total value of one or more GICs invested at Kindred Credit Union that start on the same day.

2Aggregate 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.

3 Community Inspiration GICs are available as RRSP, RRIF, TFSA, or non-registered.

4 Affordable Housing GICs are available as RRSP, RRIF, TFSA, or non-registered.

5 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.

6 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.

7 Investment Shares are not deposit insured, and rate is subject to Board approval annually and paid in January.

8 Cashable after 90 days. Deposits above $250,000 are eligible for special pricing.

 

 

Meet with a member of our Wealth and Investment Team for investing advice with values at the core. We can help with your financial plan today.
 
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