Guaranteed fixed-rate investments (GICs) - UNI Financial cooperation
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Guaranteed fixed-rate investments (GICs)

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.

  • Original investment and interest 100% guaranteed
  • Deposits insured in accordance with the terms and conditions established by the Canada Deposit Insurance Corporation. Visit to 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


Term Savings

Save to achieve your goals

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


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 My Profile or with a UNI advisor

Regular Income Savings Plan1

  • 6 months to 5-year terms
  • Eligible for regtistered plans TSFA and RRSP and non-registered plan


U.S. Dollar Term Savings

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 $5,000


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

*The product "Periodic Deposit Term Savings" is no longer available. For current holders of this product, it is still valid until its expiration.

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