Effective January 20, 2026, certain GIC options will no longer be offered. Existing GICs remain in place until maturity. Learn more about these GIC changes.
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Secure and grow your savings

Guaranteed Investment Certificates (GICs), also known as term deposits, offer a safe and reliable way to grow your savings. With both your principal and interest fully guaranteed, GICs provide peace of mind while delivering stable, competitive returns.

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Already a member? Start your GIC online

If you're an ACU member, you can open a GIC anytime through digital banking—no need to visit a branch.

Need help? Check out our step-by-step instructions for opening a GIC.

 

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Benefits of investing in a GIC:

When you invest in a GIC, you deposit a specific amount of money for a set period of time. In return, you earn a guaranteed interest rate—ensuring steady, predictable growth. At the end of the term, you can access your funds or reinvest them toward your future goals.

  • Capital preservation – Your initial investment and earned interest are fully protected.
  • Flexible terms – Select from various term lengths to align with your savings goals and timelines.
  • Competitive returns – Benefit from competitive interest rates to grow your money confidently.
  • Investment guarantee – All deposits and interest are guaranteed without limit by the Deposit Guarantee Corporation of Manitoba.
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GIC featured rates

Rates subject to change

{Non-registered GIC (term deposits):Non-redeemable GIC (annually)*:12 - 23 months:value}

1 year GIC

{Non-registered GIC (term deposits):Non-redeemable GIC (annually)*:24 - 35 months:value}

2 year GIC

{Non-registered GIC (term deposits):Non-redeemable GIC (annually)*:60 - 66 months:value}

5 year GIC

Why invest with ACU

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Local and values-based

As a member-owned, B Corp® organization we prioritize the well-being of our members and the communities we serve.

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Investment flexibility

A wide selection of GICs tailored to match your savings goals, lifestyle and values.

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Expert advice

Our wealth advisors can help you design a plan that balances financial growth with your personal values.

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Let’s grow your savings together

Connect with an ACU advisor today to explore investing options that align with your personal goals and needs.

Book an appointment today