Term Deposits

Grow your wealth with a Guaranteed Investment Certificate / Term Deposit

This is a secure investment; a great option if you’re seeking peace of mind with guaranteed interest growth.



How does a Term Deposit (GIC) work?
  • Original investments are 100% guaranteed.
  • Flexible investment term lengths from 30 days to 5 years.
  • Competitive interest rates are guaranteed for the full term of your investment.
  • Eligible for registered and non-registered plans.
Term Deposits are risk free & 100% guaranteed
GICs and Term deposits held at Rocky Credit Union are risk-free, safe investments because they are backed by the Credit Union Deposit Guarantee Corporation.
The money you invest, including the interest earned, is safe and secure up to any dollar amount!

You have lots of investment options...

Non-Redeemable Term Deposits (GICs)

Earn higher rates of return when you lock in your money for a full term. Funds typically  cannot be withdrawn before the maturity date.

  • Applies to Term/TFSA/RRSP/RRIF/LIRA/LIF

Redeemable Term Deposits (GICs)

Enjoy competitive returns with the added flexibility of accessing your funds if you need them. Interest is paid on maturity or anniversary. Partial withdrawals are permitted with the loss of any accrued interest. 
  • Applies to non-registered investments only

Short-Term  Term Deposits (GICs)

Earn interest while enjoying the security of investing funds for less than a year. You'll get the opportunity to earn interest and have flexibility.

  • Applies to Non-Registered only

US Term Deposits (GICs) 

Invest your U.S. funds and get protection from exchange rate fluctuations. If you travel often or own property south of the border, you might be interested in saving and investing some of your money while getting a guaranteed rate of interest.

RCU Term Risers

Our RCU Term Risers offers a rate that grows each year and gives you the flexibility of redeeming fully or partially on each one year anniversary date. Or, you can leave it in term and get the higher escalating rate each year.

  • Available in Terms, RRSP, TFSA
  • Only available as 'Investment Specials' limited time of year

Manage Your Wealth


Sometimes, your financial needs go beyond traditional banking products. Choose to invest your money in Mutual Funds or other securities. Through Credential Asset Management Investment professionals at Rocky Credit Union, we can provide access to a comprehensive line of investments, including a variety of mutual fund companies. 


Mutual funds are offered through Credential Asset Management Inc. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Unless otherwise stated, mutual fund securities and cash balances are not insured nor guaranteed, their values change frequently and past performance may not be repeated. Credential is a registered mark owned by Aviso Wealth Inc.

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