Rates
Term Deposit / GIC Rates that help you invest in your future. Contact us today to book your rate.
Featured Offers1
3.75%*
1 Year Non-Redeemable
*Terms Apply
2.25%*
5 Year Cashable
*Terms Apply
Here is how we do rates!
Here, we do rates differently. Because membership matters. Full-service members get even more rewards! What does it mean to be a full-service member? Full-service members invest in the credit union because they believe in our mission and vision as much as we do. They support local because it’s important and they have their banking, insurance, and investments with the credit union. The more business you do with us, the better incentives you receive on rates. Here is how we do rates:
Our Posted Rate is the base rate that we are offer on a product.
Our Best Member Rate is the posted rate plus an additional 0.70% members can earn if they meet additional criteria (note this excludes special rates).
How do you earn more on rates? Members can earn up to 0.20% for their length of membership, an additional 0.40% for the volume of business (cumulative assets held with all CU subsidiaries), and an additional 0.10% for using Integris as your Primary FI (chequing + payroll).
We advertise our Posted Rate to be transparent about the base rate every member qualifies for. Members can better their interest rates by up to 0.70% through length of membership, volume of business, and by using Integris as their primary FI.
Relationship pricing premiums are not applied to special rates which may be offered from time to time.
Current Rates
Rates effective July 24, 2024.
Foreign Exchange Rates
| Foreign Exchange Rates (effective 2024-07-26) | Buying | Selling |
|---|---|---|
| United States (Dollar) | 1.4144 | 1.3544 |
Guaranteed Investment Certificates (GICs) / Term Deposit Rates2
| Product | Non-Redeemable | Redeemable |
|---|---|---|
| 2 months | 2.50% | – |
| 3 months | 2.75% | 2.50 |
| 4 months | 2.75% | 2.50 |
| 6 months | 2.75% | 2.50 |
| 9 months | 3.10% | 2.75 |
| 1 Year | 3.75% | 3.00% |
| 2 Year | 3.50% | 2.90% |
| 3 Year | 3.30% | 2.80% |
| 4 Year | 3.15% | 2.70% |
| 5 Year | 3.00% | 2.50% |
| 7 Year | – | – |
| 10 Year | – | – |
| ICU Prime Rate | 6.80% |
Market (index) Linked Term Deposits Rates
Saving Account Rates
| Product | Rate |
|---|---|
| Plan 243 | 0.015% |
| Kudos3 | 0.015% |
| Premier Savings4 | Tiered Interest: <$5,000 = 0.05% $5,000-9,999 = 0.10% $10,000-24,999 = 0.15% $25,000-59,999 = 0.20% $60,000-99,999 = 0.25% $100,000-249,999 = 0.30% $250,000+ = 0.30% |
Credit Union Share Historic Rates5
| Year | Equity A Shares | Voluntary C Shares |
| 2022 | 3.00% | 4.00% |
| 2021 | 1.00% | 2.50% |
| 2020 | 1.00% | 2.00% |
| 2019 | 2.00% | 3.30% |
| 2018 | 2.00% | 3.30% |
| 2017 | 1.50% | 2.50% |
USD Account Rates4
| Balance | Rate |
|---|---|
| <$500 | 0.00% |
| $500-10,000 | 0.05% |
| $10,001+ | 0.05% |
Calculators & Tools
Try out our Mortgage Qualifier, Mortgage Compare, Mortgage Refinance Interest Savings, and Mortgage Payoff calculators.
Personal Lending
Loans and Lines of Credit for your personal lending needs.
Invest With An Advisor
Set goals and milestones for your financial future with an advisor.
Read Our Blog
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If you are juggling credit card bills, personal loans, and other financial obligations, a consolidation loan might be the solution.
2023 Dividend Rates
What we do with your money matters. Here, we support our members and communities through member dividends and community investment. At the December Board Meeting, the Directors approved the 2021 Dividend Rates.
Introducing CardWise!
CardWise is the new way to manage your Integris Credit Union credit card with security and ease! Learn more about the new platform.