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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.


Featured Products

2-Year Non-Redeemable Term Deposit



5-Year Non-Redeemable Term Deposit



Enhanced Growth Term Deposits


Up to 20%

Available in 3 and 5 year terms

Book an appointment

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



Enhanced Growth Term Deposits

Enhanced Growth Non-Redeemable Term Deposit brings together the growth potential of the stock market with the comfort of the Credit Union Deposit Guarantee. Choose from:

  • Enhanced Growth Financial Services: Rate of return linked the performance of Canadian financial institutions.
  • Enhanced Growth Canadian Diversified: Rate of return linked to the performance of a diversified range of Canadian companies.
  • 3-year or 5-year options available
  • A minimum $500 investment is required
  • Free of administration fees and purchase commissions

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 11 March 2020. 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.