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Redeemable and non-redeemable Term Deposits

An ideal investment option for those investing a specific sum of money for a predetermined period of time, typically 1 to 5 years.

You may select from a variety of terms and interest rates that will suit your particular needs. Term deposits may be purchased from 30 days through to 5 years. Minimum amounts are required for these investments beginning at $500 for redeemable and $1,000 for non-redeemable terms. Rocky Credit Union's youth members may invest in a term deposit for as little as $100. Term Deposits Rates

RCU Term Ladder Deposits

The RCU Term Ladder lets you invest at a great long term rate and still have access to a portion of the investment every year.  RCU Term Ladders.

3 Year RCU Term Ladder
 - Rate at non-redeemable 3 year term even though it is not 100% locked in for 3 years
 - Up to 33% of investment can be withdrawn on the anniversary date each year 

5 Year RCU Term Ladder
 - Rate at non-redeemable 5 year term even though it is not 100% locked in for 5 years
 - Up to 20% of investment can be withdrawn on the anniversary date each year

US$ Term Deposit

If you hold excess funds in your US$ account, you make wish to invest in the US$ Term Deposit. All funds remain in US currency.

Non-redeemable terms are available for 30 days, 1 year, 3 years and 5 years. Interest is calculated on the daily closing balance and paid annually on anniversary date or expiry. The minimum investment is $500.

100% Guaranteed

Your deposits including interest are 100% guaranteed by the Credit Union Deposit Guarantee Corporation. This means both the money you put in and the interest earned is safe and secure - up to any dollar amount! For more information on the Deposit Guarantee, call toll free 1-800-661-0351 or visit the CUDGC website.


You can always contact us by e-mail at or by phone at 403.845.2861.

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Contact Rocky Credit Union

5035 49 Street
Rocky Mountain House AB  T4T 1C1

P    403 845 2861
F    403 845 7295

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