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    GIC Rates

    6-Month GIC

    Up to $24,999

    3.40

    2-Year GIC

    Up to $24,999

    4.80

    Average Yield

    3-Year Step Term

    4.40

    Tiered Rates1,2,4

     
    List of rates for UP TO $24,999
    UP TO $24,999 Rate
    30-59 days
    2.20
    60-89 days
    2.35
    90-179 days
    2.40
    180-269 days
    3.40
    270-364 days
    3.60
    1 Year
    4.75
    2 year
    4.80
    3 Year
    4.40
    4 year
    4.30
    4 year - Affordable Housing GIC
    4.30
    5 year
    4.25
    List of rates for $25,000 TO $49,999
    $25,000 TO $49,999 Rate
    30-59 days
    2.30
    60-89 days
    2.45
    90-179 days
    2.50
    180-269 days
    3.40
    270-364 days
    3.65
    1 year
    4.80
    2 year
    4.85
    3 Year
    4.45
    4 year
    4.35
    4 year - Affordable Housing GIC
    4.35
    5 year
    4.30
    List of rates for $50,000 TO $99,999
    $50,000 TO $99,999 Rate
    30-59 days
    2.40
    60-89 days
    2.55
    90-179 days
    2.55
    180-269 days
    3.40
    270-364 days
    3.70
    1 year
    4.80
    2 year
    4.85
    3 Year
    4.45
    4 year
    4.40
    4 year - Affordable Housing GIC
    4.40
    5 year
    4.35
    List of rates for $100,000 TO $249,999
    $100,000 TO $249,999 Rate
    30-59 days
    2.45
    60-89 days
    2.60
    90-179 days
    2.60
    180-269 days
    3.45
    270-364 days
    3.75
    1 year
    4.85
    2 year
    4.90
    3 year
    4.50
    4 year
    4.40
    4 year - Affordable Housing GIC
    4.40
    5 year
    4.40

    Aggregate Rates2,3,4

     
    List of rates for $250,000 TO $499,999
    $250,000 TO $499,999 Rate
    30-59 days
    2.45
    60-89 days
    2.60
    90-179 days
    2.65
    180-269 days
    3.50
    270-364 days
    3.80
    1 year
    4.85
    2 year
    4.90
    3 Year
    4.50
    4 year
    4.45
    4 year - Affordable Housing GIC
    4.45
    5 year
    4.45
    List of rates for $500,000 TO $999,999
    $500,000 TO $999,999 Rate
    30-59 days
    2.50
    60-89 days
    2.65
    90-179 days
    2.70
    180-269 days
    3.55
    270-364 days
    3.85
    1 year
    4.90
    2 year
    4.95
    3 Year
    4.55
    4 year
    4.45
    4 year - Affordable Housing GIC
    4.45
    5 year
    4.45
    List of rates for $1,000,000 AND OVER
    $1,000,000 AND OVER Rate
    30-59 days
    2.50
    60-89 days
    2.75
    90-179 days
    2.80
    180-269 days
    3.60
    270-364 days
    3.90
    1 year
    4.90
    2 year
    5.00
    3 Year
    4.55
    4 year
    4.50
    4 year - Affordable Housing GIC
    4.50
    5 year
    4.50

    3-Year Step Term5

     
    List of rates for Year
    Year Rate
    Year 1
    3.30
    Year 2
    4.20
    Year 3
    5.60
    Compound return
    4.40

    5-Year Step Term6

     
    List of rates for YEAR
    YEAR Rate
    Year 1
    4.25
    Year 2
    4.30
    Year 3
    3.90
    Year 4
    3.80
    Year 5
    4.10
    Compound return
    4.07

    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 as a registered savings product or a non-registered GIC.

    3 Aggregate rates apply where the total value of all GICs, Investment Shares, and Registered Contracts invested at Kindred Credit Union and Credential Asset Management or Credential Qtrade Securities Inc. investments equal $250,000 and above.

    4 With the exception of Step Term GICs, Kindred Credit Union GICs are non-redeemable and cannot be redeemed before the maturity date. Your funds are locked-in for a specific term.

    5 3-year Step GICs are transferable for a 30-day period following each anniversary date to a term equal to, or longer than, the remainder of the current term.

    6 5-year Step Term GICs are redeemable on any day following the first anniversary date.

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    Qtrade

    Mutual funds and related financial planning services are offered through Qtrade Asset Management (a tradename of Credential Asset Management Inc). Mutual funds, other securities and securities related financial planning services are offered through Qtrade Advisor, a division of Credential Qtrade Securities Inc. Online brokerage services are offered through Qtrade Direct Investing, a division of Credential Qtrade Securities Inc. Qtrade and Qtrade Direct Investing are trade names and trademarks of Aviso Wealth Inc. and its subsidiaries. Financial planning services are available only from advisors who hold financial planning accreditation from applicable regulatory authorities. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments and the use of an asset allocation service. Please read the prospectus of the mutual funds in which investment may be made under the asset allocation service before investing. Unless otherwise stated, cash balances, mutual funds and other securities are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions. Mutual funds and other securities are not guaranteed, their values change frequently and past performance may not be repeated.

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