GIC’s & Term Deposits
A term deposit or GIC is an investment to help you save for the future and help you achieve your financial goals.
Deposit Services
Did you know that you can open a term or GIC on its own or within a credit union share or registered product for a tax-sheltered benefit? Choose from a variety of options such as a TFSA, RRSP, RESP, RDSP, or Equity A and C Share for your cashable, non-redeemable or market linked term deposits/guaranteed investment certificates.
Cashable & Redeemable Terms/GICs
A cashable or redeemable term deposit / GIC allows you to redeem your term at any time. This investment product typically sees a lower rate of return than non-redeemable products as members may cash out the term before its maturity.
Details:
Non-Redeemable Terms/GICs
Non-Redeemable term deposits typically have higher interest rates than cashable / redeemable, however, unlike the latter investment vehicle, there is a penalty for withdrawing early and the penalty may vary depending on the length of the investment term.
Benefits include:
Market (index) Linked Term Deposits
Index-Linked Term Deposits allow you to diversify your investments by allocating your funds in stocks, bonds and cash equivalents without risking your principal investment. This is a Canadian investment that is linked to the Toronto 60 Index. Because term deposit rates have been low, index-linked term deposits are an attractive way to enhance potential returns while ensuring that the initial investment remains secure. These term deposits are available for fixed terms of 3 or 5 years. No management fees or commissions are applied.
US Dollar Term Deposits
Along with our US Dollar chequing accounts, we also offer a wide range of term deposits dealing in US Dollars.
Credit Union Shares
Membership shares allow you to invest in your member-owned credit union. Shares are an opportunity to earn higher returns, diversify your portfolio, and capitalize on a low-risk investment. Choose from Class A or Class C Share options.
Membership Shares (Class A)
Membership Shares (Class C)
Stocks, Bonds, and Mutual Funds
Interested in investing in stocks, bonds and mutual funds? Book an appointment with our Investment Advisors through Integris Financial Planning.
Deposit Insurance
B.C. Credit Union Deposits are 100% guaranteed by the Credit Union Deposit Insurance Corporation of British Columbia. Note that credit union shares are not covered by the 100% deposit guarantee.

Integris Incentives
For each product or service, you have with Integris, you are eligible for member discount up to $50 off your residential insurance premium.


Personal Loans & Lines of Credit
Financing options available to help you achieve your goals.

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