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
- 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.

Non-Redeemable Term Deposits (GICs)
Earn higher rates of return when you lock in your money for a full term and funds typically cannot be withdrawn before the maturity date.
- Applies to Term/TFSA/RRSP/RRIF/LIRA/LIF

Redeemable Term Deposits (GICs)
- 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 giving you options to earn interest but having flexiblity to use is needed.
- Applies to Non-Registered only

US Term Deposits (GICs)

RCU Term Ladder
- Available in Terms, RRSP, RIF, TFSA
- 3 Year RCU Term Ladder: Non-Redeemable; up to 33% of principle investment can be withdrawn on anniversary date
- 5 Year RCU Term Ladder: Non-Redeemable; up to 20% of principle investment can be withdrawn on anniversary date

RCU Term Risers
Our RCU Term Risers offers a rate that grows each year of the term 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

Non-Redeemable Term Deposits (GICs)
Earn higher rates of return when you lock in your money for a full term and funds typically cannot be withdrawn before the maturity date.
- Applies to Term/TFSA/RRSP/RRIF/LIRA/LIF

Redeemable Term Deposits (GICs)
- 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 giving you options to earn interest but having flexiblity to use is needed.
- Applies to Non-Registered only

US Term Deposits (GICs)

RCU Term Ladder
- Available in Terms, RRSP, RIF, TFSA
- 3 Year RCU Term Ladder: Non-Redeemable; up to 33% of principle investment can be withdrawn on anniversary date
- 5 Year RCU Term Ladder: Non-Redeemable; up to 20% of principle investment can be withdrawn on anniversary date

RCU Term Risers
Our RCU Term Risers offers a rate that grows each year of the term 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
Mutual Fund
Investment Options
We know 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.