GIC Rates

PERSONAL BANKING   >  INVESTING   >  GICS   >  GIC RATES
6-Month GIC

Up to $24,999

3.40 %
20-Month Special

GIC Rate

4.75%
3-Year Step Term

Average Yield

4.35 %
Tiered Rates1,2,4,8,9

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
2.30
solid-1800
60-89 days  2.35
solid-1800
90-179 days  2.40
solid-1800
180-269 days
3.40
solid-1800
270-364 days 3.60
solid-1800
1 Year

4.80
solid-1800
20 Month Special

4.75
solid-1800
2 Year 4.50
solid-1800
3 Year 4.30
solid-1800
4 Year 4.25
solid-1800
4 year - Affordable Housing GIC 4.25
solid-1800
5 Year 4.10
solid-1800
$25,000 TO $49,999
  
Rate
turquoise-solid-1800
30-59 days  2.40
turquoise-dotted-1800
60-89 days  2.45
turquoise-dotted-1800
90-179 days  2.50
turquoise-dotted-1800
180-269 days
3.40
turquoise-dotted-1800
270-364 days  3.65
turquoise-dotted-1800
1 Year
4.85
solid-1800
20 Month Special

4.75
solid-1800
2 Year
4.55
turquoise-dotted-1800
3 Year
4.35
turquoise-dotted-1800
4 Year
4.30
turquoise-dotted-1800
4 year - Affordable Housing GIC
4.30
turquoise-dotted-1800
5 Year
4.15
solid-1800
$50,000 TO $99,999
  
Rate
solid-1800
30-59 days
2.50
solid-1800
60-89 days
2.55
solid-1800
90-179 days
2.55
solid-1800
180-269 days
3.40
solid-1800
270-364 days
3.70
solid-1800
1 Year
4.90
solid-1800
20 Month Special

4.75
solid-1800
2 Year
4.60
solid-1800
3 Year
4.40
solid-1800
4 Year 
4.35
solid-1800
4 year - Affordable Housing GIC
4.35
solid-1800
5 Year
4.20
solid-1800
$100,000 TO $249,999
  
Rate
turquoise-solid-1800
30-59 days  2.55
turquoise-dotted-1800
60-89 days  2.60
turquoise-dotted-1800
90-179 days  2.60
turquoise-dotted-1800
180-269 days
3.45
turquoise-dotted-1800
270-364 days  3.75
turquoise-dotted-1800
1 Year
4.95
solid-1800
20 Month Special

4.75
turquoise-dotted-1800
2 Year
4.65
turquoise-dotted-1800
3 Year
4.45
turquoise-dotted-1800
4 Year
4.40
turquoise-dotted-1800
4 year - Affordable Housing GIC
4.40
turquoise-dotted-1800
5 Year
4.25
solid-1800
$250,000 to $499,999
  
Rate
solid-1800
30-59 days
2.55
solid-1800
60-89 days
2.60
solid-1800
90-179 days
2.65
solid-1800
180-269 days
3.50
solid-1800
270-364 days
3.80
solid-1800
1 Year
5.00
solid-1800
20 Month Special

4.75
solid-1800
2 Year
4.70
solid-1800
3 Year
4.50
solid-1800
4 Year 
4.45
solid-1800
4 year - Affordable Housing GIC
4.45
solid-1800
5 Year
4.30
solid-1800
$500,000 TO $999,999
  
Rate
turquoise-solid-1800
30-59 days  2.60
turquoise-dotted-1800
60-89 days  2.65
turquoise-dotted-1800
90-179 days  2.70
turquoise-dotted-1800
180-269 days
3.55
turquoise-dotted-1800
270-364 days  3.85
turquoise-dotted-1800
1 Year
5.00
solid-1800
20 Month Special

4.75
turquoise-dotted-1800
2 Year
4.75
turquoise-dotted-1800
3 Year
4.55
turquoise-dotted-1800
4 Year
4.50
turquoise-dotted-1800
4 year - Affordable Housing GIC
4.50
turquoise-dotted-1800
5 Year
4.35
solid-1800
$1,000,000 AND OVER
  
Rate
solid-1800
30-59 days
2.60
solid-1800
60-89 days
2.75
solid-1800
90-179 days
2.80
solid-1800
180-269 days
3.60
solid-1800
270-364 days
3.90
solid-1800
1 Year
5.00
solid-1800
20 Month Special

4.75
solid-1800
2 Year
4.80
solid-1800
3 Year
4.60
solid-1800
4 Year 
4.55
solid-1800
4 year - Affordable Housing GIC
4.55
solid-1800
5 Year
4.40
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
4.80
solid-1800
Year 2  4.25
solid-1800
Year 3  4.00
solid-1800
Compound Return
4.35

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
4.30
solid-1800
Year 2  4.00
solid-1800
Year 3  3.80
solid-1800
Year 4
3.75
solid-1800
Year 5
3.40
solid-1800
Compound return
3.85

Rates are subject to change without notice at any time.

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.

2 Community Inspiration GICs are available for a limited time each year and only as a non-registered, RRSP, RRIF or TFSA GIC.

3 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.

4 With the exception of Step Term GICs, and Kindred's 1-year cashable GIC, GICs are non-redeemable and cannot be redeemed before the maturity date. Your funds are locked-in for a specific term.

5 5-Year Step Term GICs are redeemable on any day following the first anniversary date.

6 3-Year Step Term GICs are transferable for a 30-day period following each anniversary date to a term equal to, or longer.

7 Cashable after 90 days. Available only for non-registered investments. Tiered and aggregate rates do not apply, rate is determined on the principal of the GIC only. Deposits will be accepted subject to availability.

8 Community Inspiration GICs, Affordable Housing GICs, and Crisis Care GICs are not available in FHSA, RESP or RDSP.

9 Step GICs are not available in FHSA, RESP or RDSP.

 

 

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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