Commercial Savings

GIC / Term Deposits

Guaranteed Investment Certificates (GIC) are a secure investment that guarantee 100% of the original amount that you invested. Your investment earns interest, at either a fixed or a variable rate, or based on a pre-determined formula. Watch your investment grow with the safety and security of a GIC. To suit your needs, we have various term lengths available.


  • Guaranteed interest rate for length of term
  • Minimum investment of $1,000 ($100 for FAT CAT® and HEADSTART® Account)
  • 1 year to 5 year terms available in redeemable and non-redeemable options
  • Competitive Rates




PLAN 24® Commercial Savings Account

Watch your money grow daily with our PLAN 24® Savings Account. Our PLAN 24®account is designed for businesses who have balance fluctuations in their savings accounts. Interest is calculated daily, paid monthly and there are no minimum balance requirements.


  • No minimum balance required
  • No fee in-branch transactions
  • MEMBER CARD® debit card available
  • CU@HOME® Internet Banking
  • No chequing privileges

Vanguard Savings

A longer-term savings plan that pays a higher rate of interest than the Plan 24 account. Rates are comparable to, or better than, short-term investments without having to continuously manage contract renewals. Interest rates are based on a tiered system and are calculated on the daily closing balance,  paid monthly.


  • Tiered interest rates
  • Interest paid monthly
  • Two free debit transactions per month
  • No chequing privileges
  • CU@HOME® Internet Banking


Escrow Tax Account

When we open an escrow account for your mortgage, we use it to make payments for real estate taxes and homeowners insurance on your behalf, with funds collected as part of your monthly mortgage payment. This ensures that your bills are paid in full and on time, without you having to budget for these large payments separately.


  • Collect funds in account to pay real estate taxes
  • We  receive real estate tax information directly from tax authority, otherwise we will contact you




We’re listening! We value all feedback.

Fill out your information and we will contact you.

Contact Us 2018
Personal Commercial Agriculture Investments Loans About Us
Member Feedback

Vanguard Credit Union is a full-service financial institution with branches in Binscarth, Birtle, Brandon, Hamiota, Kenton, Miniota, Oak Lake, Oak River, Rossburn, Russell, and St. Lazare.

© Vanguard Credit Union | Terms of Use