Put your savings to work with the right GIC rate
See current YNCU GIC rates in Ontario, with short- and long-term options designed for different savings goals. Choose the term and investment type that works for your money and know what you’ll earn along the way.
Today's GIC offer
18-month GIC at 3.30%*
Our GIC specials are consistently among the best in Ontario.
Trusted by 65K+ members
Current GIC offers
| Features | Special rate |
|---|---|
| 18-month GIC | 3.30% |
*Terms & conditions apply. Minimum deposit of $1,000. Rates are subject to change at any time. Contact us or visit yncu.com for details.
| Features | 1-year GIC - Redeemable after 30 days |
|---|---|
| $1,000-$19,999 | 1.95% |
| $20,000-$99,999 | 2.00% |
| $100,000+ | 2.05% |
GIC Term deposits
| Features | 1-year GIC |
|---|---|
| $1,000-$19,999 | 3.00% |
| $20,000-$99,999 | 3.05% |
| $100,000+ | 3.10% |
| Features | 2-year GIC |
|---|---|
| $1,000-$19,999 | 3.10% |
| $20,000-$99,999 | 3.15% |
| $100,000+ | 3.20% |
| Features | 3-year GIC |
|---|---|
| $1,000-$19,999 | 3.40% |
| $20,000-$99,999 | 3.45% |
| $100,000+ | 3.50% |
| Features | 4-year GIC |
|---|---|
| $1,000-$19,999 | 3.60% |
| $20,000-$99,999 | 3.65% |
| $100,000+ | 3.70% |
| Features | 5-year GIC |
|---|---|
| $1,000-$19,999 | 3.70% |
| $20,000-$99,999 | 3.75% |
| $100,000+ | 3.80% |
| Features | Pay yourself first GIC |
|---|---|
| 1-year | 2.65% |
| Features | Step Up: Escalating rate 3-year GIC |
|---|---|
| 1st year | 2.95% |
| 2nd year | 3.55% |
| 3rd year | 4.00% |
| Average return | 3.50% |
| Features | Step Up: Escalating rate 5-year GIC |
|---|---|
| 1st year | 2.95% |
| 2nd year | 3.45% |
| 3rd year | 3.90% |
| 4th year | 4.20% |
| 5th year | 4.50% |
| Average return | 3.80% |
Market-Linked GIC
| Features | Green Neighbourhoods* |
|---|---|
| 3 years - Max annual compound rate | 6.67% |
| 3 years - Max cumulative return | 20.00% |
| 5 years - Max annual compound rate | 7.57% |
| 5 years - Max cumulative return | 44.00% |
| Features | Equity Advantage Series** |
|---|---|
| 3 years - Max annual compound rate | 6.27% |
| 3 years - Max cumulative return | 20.00% |
| 5 years - Max annual compound rate | 7.57% |
| 5 years - Max cumulative return | 44.00% |
*Actual rates of return may vary. Up to the issue date, your investment generates interest at a max annual compound rate of return of 6.27% (3 Year Term) and 7.57% (5 Year Term). Between the issue date and the maturity date, the return is based on variations in the benchmark prices, up to a maximum cumulative return of 20.00% at the end of a 3 Year Term and 44.00% at the end of a 5 Year Term.
**Actual rates of return may vary. Up to the issue date, your investment generates interest at a max annual compound rate of return of 6.27% (3 Year Term) and 7.57% (5 Year Term). Between the issue date and the maturity date, the return is based on variations in the benchmark prices, up to a maximum cumulative return of 20.00% at the end of a 3 Year Term and 44.00% at the end of a 5 Year Term.
Investment rates are expressed as annual interest rates. Interest is calculated and accrued daily and paid annually and at maturity. The indicated interest rate is subject to change at any time. The terms and conditions of this offer, including its overall availability, are at the sole and absolute discretion of YNCU and are subject to change at any time without any prior notice.
*Actual rates of return may vary. Up to the issue date, your investment generates interest at a max annual compound rate of return of 5.67% (3 Year Term) and 6.81% (5 Year Term). Between the issue date and the maturity date, the return is based on variations in the benchmark prices, up to a maximum cumulative return of 18.00% at the end of a 3 Year Term and 39.00% at the end of a 5 Year Term.
Investment rates are expressed as annual interest rates. Interest is calculated and accrued daily and paid annually and at maturity. The indicated interest rate is subject to change at any time. The terms and conditions of this offer, including its overall availability, are at the sole and absolute discretion of YNCU and are subject to change at any time without any prior notice.