Offer available to approved Northern Birch Credit Union members who deposit minimum of $10,000 of new funds into a new 1-year term deposit. Registered and non-registered products held with Northern Birch (TFSA, RRSP, RRIF, FHSA) are eligible.

For the purpose of this promotion, "new money" or "new funds" refers to eligible funds that are newly deposited to Northern Birch Credit Union and were not held with us prior to the promotion start date of October 1, 2026. Additionally, your starting cash balance as of the promotion start date will be used as a reference point to determine eligibility.

The annual rate of 4.00% applies to deposit amounts of $10,000 or more coming from another financial institution. Deposits must be made in one lump sum.

Mention code NEWMONEYFALL at the time of deposit to take advantage of the special rate.

The interest rate is calculated per annum and paid out at maturity. The offer is available for a limited time and subject to change at any time without advance notice. Rates are subject to change at any time without advance notice. Additional promotional offers may not apply, such as an additional bonus rate.