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Savings Account

Savings Accounts that work smarter. These accounts set you up for savings success. And all your deposit and interest is protected by a rock solid 100% Deposit & Interest Guarantee*, unique to credit unions.

Savings Account Rates

Elite Savings


HARMONeY™ Savings


Save It For Later™ Savings


Term Deposit: Step-Up 18+18 Effective Rate


Term Deposit: Step-Up 9+9 Effective Rate



Elite Savings Account

Add rocket fuel to your savings with this high interest account.

  • No monthly fees
  • No minimum monthly balance required
  • High interest rate

Save It For Later™

Straightforward savings with an interest earning savings account.

  • Free with a No Fees For Me™ chequing account
  • No minimum monthly balance required
  • Link your No Fees For Me™ chequing account to boost your savings potential with ChangeUp™
  • First 15 transactions free, including:
    • First Calgary ATM, telephone, In-branch and online withdrawals
    • MEMBER CARD Interac® direct payment purchases and cash withdrawals
    • Automated fund transfer (AFT) debits
    • Cheques

HARMONeY Account

Speed up your savings with an automatic interest bearing savings account.

  • Free with a HARMONeY chequing account
  • No minimum monthly balance required
  • Flat high interest rate
  • Links your HARMONeY chequing account to boost your savings potential with ChangeUp™

Get fixed returns

Choose a timeframe, deposit your money, and get a known outcome with Term Deposits.

  • Invest with the certainty of a fixed interest rate
  • Get a rock solid 100% Deposit & Interest Guarantee* on all of your invested capital and investment income, without limit
  • A range of maturity terms and interest rates to meet your needs
  • Simple renewal options at the end of your term

Teaching your child money savings skills?

The Future Account is free for children ages 0 to 11 years old.

  • Free of monthly fees
  • A rock solid 100% Deposit Guarantee*
  • Free unlimited automatic funds transfers (AFTs) and in-branch withdrawals

What’s ChangeUp™?

ChangeUp™ is an awesome automatic saving feature. Whenever you make a purchase with your MEMBER CARD®, ChangeUp rounds up your transaction to the nearest dollar and automatically transfer that additional amount to a linked savings account, along with up to five additional dollars per transaction.

The Legal Stuff

*Terms and conditions apply. Offer not available to organizations, business or commercial accounts. The posted rate and additional interest are annualized rates, calculated daily and paid monthly. All principal and interest is 100% guaranteed by the Credit Union Deposit Guarantee Corporation, excluding common shares, investment shares, and mutual funds. All rates and products are subject to change without notice. Authorized credit approvals required for all overdraft, credit card and lending products. ATM charges from other institutions may apply. All trademarks are the property of their respective owners. Legal Terms of Use apply.