GUARANTEED FIXED-RATE INVESTMENTS (GICS)

Some things in life are guaranteed!

Fixed-rate term savings—also known as fixed-rate GICs (guaranteed investment certificates)—are the only savings products that guarantee your capital and your interest returns.

No matter how the markets perform, you can know from day one exactly what your final returns will be.

Term savings are the first step to a diversified investment portfolio:

  • Original investment and interest 100% guaranteed;
  • Deposits insured in accordance with the terms and conditions established by the Canada Deposit Insurance Corporation. Visit cdic.ca o learn more;
  • Eligible for TFSAs, RRSPs and other registered savings plans;
  • Variety of interest payment options;
  • Short-, medium- or long-term investments;
  • Entitles you to any member dividends your caisse may pay.

 

My Savings Plan1

For members ages 12 to 30

  • Save to achieve your goals;
  • Flexible term savings, specifically designed for our members ages 12 to 30;
  • How does it work? Set a savings goal amount, schedule regular transfers, and get support from others to reach your savings goal faster.

 

Term S@vings1

Only available on AccèsD Internet and mobile

  • Terms: 1 to 5 years;
  • Interest rate: fixed or climbing rate;
  • Eligible for registered (RRSP, TFSA) or non-registered plans;
  • Minimum deposit:
    • $500 for registered plans
    • $1,000 for non-registered plans
  • Renew on your own on AccèsD;
  • Not redeemable before maturity.

 

Term Savings1

Grow your money worry-free!

  • Terms:
    • 1- to 5-year terms
    • 30-day to 5-year terms
  • Fixed interest rate, determined based on the term selected;
  • Eligible for registered plans: TFSA, RRSP, LIRA, locked-in RRSP, RRIF, LIF and non-registered plans;
  • Minimum deposit:
    • $500 for registered plans
    • $1,000 for non-registered plans
    • $5,000 for terms of less than 1 year
  • Renew on your own on AccèsD or with a UNI advisor;

 

Regular Deposit Term Savings1

The best way to save and stay on budget

  • 1- to 5-year terms
  • Minimum deposit:
    • $1,200 for 1 year
    • $3,000 for other terms
  • Deposit amount and frequency: you choose your amount, you can change it at any time—weekly, every 2 weeks, twice a month or monthly;
  • Redeemable in full or in part: in full with no penalty on the third and fourth deposit anniversary dates under certain conditions;
  • Renew on your own on AccèsD or with a UNI advisor.

 

Climbing-Rate Term Savings1

Multiple interest rates = higher returns!

  • 3- and 5-year terms;
  • Interest rate increases from year to year;
  • Eligible for registered plans: TFSA, RRSP, LIRA, locked-in RRSP, RRIF, LIF, RDSP and non-registered plans;
  • Minimum deposit of $1,000;

 

U.S. Dollar Term Savings2

Grow your savings without converting your U.S. dollars!

  • You want to make a U.S. dollar investment;
  • 1- to 5-year terms;
  • Non-registered plans only;
  • Minimum deposit of $5000.

 

1Deposits insured under the Canada Deposit Insurance Corporation Act up to the maximum permitted.

2Deposits in American currency are not insured under the Canada Deposit Insurance Corporation Act.

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