GIC/ Term Deposits

GIC/ Term Deposits

Guaranteed Investment Certificates (GIC)

GIC’s 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 ($500 for FAT CAT® and HEADSTART® Account)
  • 1 year to 5 year terms available in redeemable and non-redeemable options
  • Competitive Rates
12 Months 2.55%
24 Months 2.65%
36 Months 2.85%
48 Months 3.10%
60 Months 3.20%
12 Months 2.05%
24 Months 2.15%
36 Months 2.35%
48 Months 2.60%
60 Months 2.70%

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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.

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