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Term Deposits (GICs)

First Calgary Term Deposits Are 100% Guaranteed*

Invest with the certainty of a fixed interest rate and returns. Choose a timeframe, deposit your money, and get a known outcome with First Calgary Term Deposits.


Plus, get a rock solid 100% Deposit & Interest Guarantee* on all of your invested capital and investment income, unique to credit unions.




Enhanced Growth Investments Deliver Results

Diversify your portfolio with a 3-year or 5-year Enhanced Growth investment, eligible as a Term Deposit, Tax-Free Savings Account or Retirement Savings Plan! These unique products offer a rate of return linked to the market performance of key economic sectors with a guaranteed minimum interest income, plus your capital is 100% guaranteed at maturity regardless of market movements**.  Oh, and did we mention it’s free of administration fees and purchase commissions?



  • Enhanced Growth Financial Services: Rate of return linked the performance of Canadian financial institutions.
  • Enhanced Growth Consumer Staples: Rate of return linked to the performances of international consumer staples companies.
  • Enhanced Growth Health Care: Rate of return linked to the performance of international health care industry companies.

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?Did You Know

Every member has access to a free values-based financial plan. It's a road map to your dreams. It aligns your personal values with your goals, then explores options to help you achieve them.


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Term Deposits

Non-Redeemable: 5 year Term Deposit


Non-Redeemable: 4-5 year Term Deposit


Non-Redeemable: 3-4 year Term Deposit


Non-Redeemable: 2-3 year Term Deposit


Non-Redeemable: 1-2 year Term Deposit


Non-Redeemable: Step-Up 18+18 Effective Rate


Non-Redeemable: Step-Up 9+9 Effective Rate


Redeemable: Step-Up 6+6 Effective Rate


Non-Redeemable: Optimum Investment Builder


Non-Redeemable: 5 year U.S. Term Deposits


Non-Redeemable: 4-5 year U.S. Term Deposits


Non-Redeemable: 3-4 year U.S. Term Deposits


Non-Redeemable: 2-3 year U.S. Term Deposits


Non-Redeemable: 1-2 year U.S. Term Deposits



Step-Up™ Escalating Term Deposits

  • 1 - 3 year terms
  • $500 minimum investment required
  • Redeemable and non-redeemable options
  • Earn Higher Rates for the second half of your term with an escalating interest rate
  • 20% Classic withdrawal option*
  • Interest paid annually


100% Guaranteed* Non-Redeemable Term Deposit

  • 1 - 5 year non-redeemable term options available with $500 minimum investment required
  • >1 year non-redeemable term options available with $2,000 minimum investment required
  • Interest calculated daily and compounded annually
  • Interest can be paid directly to you, compounded or transferred to another First Calgary Financial account


Optimum Investment Builder Account

  • Ideal for members who would like to save money regularly to work towards long-term investment
  • Regular, automatic Monthly, Bi-weekly, or Semi-monthly deposit process
  • Minimum $50 regular deposits
  • Fully convertible to any other First Calgary Financial term investment at any time (with a minimum of 1-year term length)
  • RSP eligible

Future Account Non-Redeemable Term Deposit

  • 1 - 5 year non-redeemable term options available with $500 minimum investment required
  • Exclusively for member-owners under the age of 24
  • Features a monthly purchase option for as low as $50 per month, through a Optimum Investment Builder Account
  • Interest calculated daily and compounded annually

U.S. Term Deposits

  • 30 days - 5 year non-redeemable term options available
  • $5,000 minimum investment required
  • Interest is paid annually or at maturity.

The Legal Stuff:

*Rates effective as of 3 October 2017. Terms and conditions apply. 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. Rates subject to change daily. Step-Up™ products are RSP/RIF/TFSA eligible. Step-Up™ 20% Classic withdrawal provides you with the flexibility to cash (redeem), without penalty, up to 20% of the original principal investment, on term deposits from 12 to 60 months, once each year.  All U.S. account transactions and fees are performed in U.S. dollars. The advice on our website is prepared without knowing your personal objectives, financial situation or needs. Before you act on this or any advice, please consider if it's right for you, and reach out to our teams to help determine if the product is appropriate for you. Legal Terms of Use apply.