Rates
FirstOntario Credit Union GIC rates
FirstOntario Credit Union's published GIC shelf as held in this capture: 49 rows, arranged by the family the source's own term wording states, and by term within each family. Rates are printed exactly as published, with the source and the row's own as-of date.
Non-redeemable
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 90-179 days non-redeemable GIC | 2.70% | Short-term GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 180-269 days non-redeemable GIC | 2.70% | Short-term GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 270-364 days non-redeemable GIC | 2.85% | Short-term GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 90-day new money non-redeemable GIC | 5.00% | GIC Specials | Rates for personal members | FirstOntario Credit Union | |
| GIC | 54-month non-redeemable GIC | 4.35% | GIC Specials | Rates for personal members | FirstOntario Credit Union | |
| GIC | 18-month non-redeemable GIC | 4.00% | GIC Specials | Rates for personal members | FirstOntario Credit Union | |
| GIC | 5-year non-redeemable GIC | 3.80% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 5-year non-redeemable GIC | 3.80% | Long-term GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 3-year non-redeemable GIC | 3.70% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 4-year non-redeemable GIC | 3.70% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 3-year non-redeemable GIC | 3.70% | Long-term GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 4-year non-redeemable GIC | 3.70% | Long-term GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 2-year non-redeemable GIC | 3.60% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 2-year non-redeemable GIC | 3.60% | Long-term GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 1-year non-redeemable GIC | 3.35% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 1-year non-redeemable GIC | 3.35% | Long-term GICs | Rates for personal members | FirstOntario Credit Union |
Redeemable
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 90-179 days redeemable GIC | 2.20% | Short-term GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 180-269 days redeemable GIC | 2.20% | Short-term GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 270-364 days redeemable GIC | 2.35% | Short-term GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 3-year redeemable GIC | 3.15% | Long-term GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 4-year redeemable GIC | 3.15% | Long-term GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 5-year redeemable GIC | 3.15% | Long-term GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 2-year redeemable GIC | 3.10% | Long-term GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 1-year redeemable GIC | 2.65% | Long-term GICs | Rates for personal members | FirstOntario Credit Union |
Cashable
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 13-month FlexSavings cashable GIC GIC | 3.20% | GIC Specials | Rates for personal members | FirstOntario Credit Union |
Market-linked
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 3-year Canadian market-linked GIC | up to 6.27% | Market-linked GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 5-year Canadian market-linked GIC | up to 7.57% | Market-linked GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 3-year Global market-linked GIC | up to 8.29% | Market-linked GICs | Rates for personal members | FirstOntario Credit Union | |
| GIC | 5-year Global market-linked GIC | up to 9.16% | Market-linked GICs | Rates for personal members | FirstOntario Credit Union |
Family not stated in the published term
The full shelf for every institution is on the GIC rates page.