Rocky Credit Union - Ownership, Community, Innovation

Term Deposits are risk free & 100% guaranteed!

GICs, Term deposits held at Rocky Credit Union are risk-free, safe investments since 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.

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Earn higher rates of return when you lock in your money for a full term and funds typically cannot be withdrawn before the maturity date.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

Enjoy competitive returns with the added flexibility of accessing your funds if you need them.

Interest is paid on maturity or anniversary with partial withdrawals permitted with 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 giving you options to earn interest but having flexiblity to use is needed.

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 Ladder

The RCU Term Ladder is an investment option giving you a locked in long term rate, allowing access to a portion of the investment on each year on anniversary date.

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3 Year RCU Term Ladder: Non-Redeemable; up to 33% of principle investment can be withdrawn on anniversary date
5 Year RCU Term Ladder: Non-Redeemable; up to 20% of principle investment can be withdrawn on anniversary date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