Variable Rate Deposits

This is the perfect investment option for members wanting to make regular automatic deposits to a registered product or want more flexibility with their investment.


  • Operates like a savings account within your registered plan.
  • Interest rate fluctuates. It is calculated daily and is compounded twice a year.
  • Funds may be withdrawn in branch at any time.*
  • Automatic contributions can be made weekly, biweekly, semi-monthly or monthly.
  • Online and mobile viewing capabilities as well as the ability to contribute online.**


  • Withdrawals made lead to tax implications and affect contribution limits*
  • Online contribution only allowed for Variable Rate Deposits within an RRSP or TFSA**
  • Your deposits are fully guaranteed by Credit Union Deposit Guarantee Corporation
  • Minimum $50 balance must be maintained

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