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Featured Offers1

3.40%1

5 Year Non-Redeemable

Posted Rate 2.70%

2.40%

5 Year Cashable Rate

Over $100,000k

2.50%, 3.00%, 4.00%, 3.17%

0-6 months | 6-12 Months | 12-18 Months | Average

18 Month Escalator

2.25%, 3.25%, 4.25%, 3.25%

0-6 months | 6-12 Months | 12-18 Months | Average

3 Year Escalator Escalator

Terms and Conditions Apply

Apply online

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 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 a relationship pricing premiums of up to 0.20% for their length of membership, 0.40% for the volume of business (cumulative assets held with all CU subsidiaries), and 0.10% for using Integris as your Primary FI (chequing + payroll).

We may advertise both Posted Rates and Best Member Rates. Members can better the Posted Rate by up to 0.70% through length of membership, volume of business, and by using Integris as their primary FI (excludes special/featured rates).

Relationship pricing premiums are not applied to special rates which may be offered from time to time.  

Current Rates

Rates effective April 22, 2025.

Foreign Exchange Rates

Foreign Exchange Rates (effective 2025-4-29)BuyingSelling
United States (Dollar)1.41591.3559
BUY $ USD $ CAD
SELL $ USD $ CAD

Guaranteed Investment Certificates (GICs) / Term Deposit Rates2

ProductNon-RedeemableRedeemable  
2 months2.20%–
3 months2.15%2.00
4 months2.50%2.00
6 months2.75%2.00
9 months2.85%2.10
1 Year2.35%2.10%
2 Year2.40%2.20%
3 Year2.50%2.25%
4 Year2.60%2.30%
5 Year2.70%2.35%
7 Year––
10 Year––
ICU Prime Rate5.05%

Market (index) Linked Term Deposits Rates

5-Year Sales Return Rates 3-Year Sales Return Rates

Saving Account Rates

ProductRate
Plan 2430.015%
Kudos30.015%
Premier Savings4Tiered 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

YearEquity A SharesVoluntary C Shares
20223.00%4.00%
20211.00%2.50%
20201.00%2.00%
20192.00%3.30%
20182.00%3.30%
20171.50%2.50%

USD Account Rates4

BalanceRate
<$5000.00%
$500-10,0000.05%
$10,001+0.05%

1 Rate Disclaimer: Our Posted Rate is the base rate that we offer on a product. Special Rates are discounted rates and are not the posted rates of Integris. Rates may be changed, withdrawn, or extended at any time, without notice. Our Best Member Rate is the posted rate plus up to an additional 0.70% members can earn if they meet additional criteria (note this excludes special rates). Criteria includes relationship pricing premiums of up to 0.20% for length of membership, 0.40% for the volume of business (cumulative assets held with all CU subsidiaries), and 0.10% for using Integris as a Primary FI (chequing + payroll). Relationship pricing premiums are not applied to special/featured rates which may be offered from time to time.  
2 Interest Paid annually (except terms < 1 year, paid at maturity); Monthly interest available at a reduced rate of 0.25% (annual terms only); Early Redemption Penalty on Redeemable Term Deposits: 0.25% on 1 year term, 0.35% on 2 year term, 0.50% on 3-5 year term, and 0.75% on 7-10 year term.
3 Daily interest savings; interest paid monthly
4 Interest based on Minimum Monthly Balance
5 Shares are not guaranteed and redemptions are restricted on Class C Shares; maximum $1,000 Membership Shares – “Class A”; Maximum $50,000 investment shares per member – “Class C”

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