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  • Term Deposit Rates
 

Term Deposit Rates

Numbers below are representations of percentages. 
Rates are subject to change at any time. For the latest rates, please contact our branches directly.
 
List of rates for NON-REDEEMABLE
NON-REDEEMABLE Rate
1 Year Special*
3.25%
1 Year
3.00
2 Year
3.05
3 Year
2.90
4 Year
3.05
5 Year
3.40
List of rates for REDEEMABLE USD GIC
REDEEMABLE USD GIC Rate
1 Year (Early redemption after 30 days, at 0.10%)
3.00
 

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*Offer available to approved Northern Birch Credit Union members who deposit 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 start of the promotion date of March 10th, 2026.

The annual rate of 3.25% applies to deposit amounts of $10,000 or more coming from another financial institution or outside of Northern Birch Credit Union. Deposits must be made in one lump sum. Code 1YEARMAY must be mentioned at time of deposit to take advantage of the special rate. Additionally, your starting cash balance as of the promotion start date will be used as a reference point to determine eligibility. 

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.