Rates
Term Deposit / GIC Rates that help you invest in your future. Contact us today to book your rate.
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
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 June 4, 2025.
Foreign Exchange Rates
| Foreign Exchange Rates (effective 2025-7-10) | Buying | Selling |
|---|---|---|
| United States (Dollar) | 1.3985 | 1.3385 |
Guaranteed Investment Certificates (GICs) / Term Deposit Rates2
| Product | Non-Redeemable | Redeemable |
|---|---|---|
| 2 months | 2.20% | – |
| 3 months | 2.15% | 2.00 |
| 4 months | 2.50% | 2.00 |
| 6 months | 2.75% | 2.00 |
| 9 months | 2.85% | 2.10 |
| 1 Year | 2.30% | 2.10% |
| 2 Year | 2.40% | 2.20% |
| 3 Year | 2.50% | 2.25% |
| 4 Year | 2.60% | 2.30% |
| 5 Year | 2.70% | 2.35% |
| 7 Year | – | – |
| 10 Year | – | – |
| ICU Prime Rate | 5.05% |
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
Merger Moving Forward
Integris and Coastal Community Credit Unions are moving forward with next stage in proposed merger
5th & Central Expanded Hours
We’re happy to share some great news! Starting 20 May 2025, our 5th & Central Branch hours is expanding to give you more flexibility and time to access the services you need.
Banking System Update Notification
We are planning on updating our banking system – subject to board/Executive leadership approval in early April – from April 17 – 21, 2025. Read our blog for full details.