Hubert Financial GIC rates

Deposits issued by Access Credit Union

Credit Union

Visit Hubert Financial

A Manitoba credit-union brand best known for its quarterly-paying one-year term.

Rates verified nightly

· re-checked against Hubert Financial's own site

· last check Oct 9, 2026

Best rate

4.25%

today

Rates published

across 1 product

Terms

1 year – 5 years

Minimum deposit

$1,000

At a glance

Deposit protection

Unlimited

DGCM (Manitoba) · insured under Access Credit Union

How to buy

Online, Phone

Membership required

Where it's available

Across Canada

Good to know

Deposits are 100% guaranteed with no limit by the Deposit Guarantee Corporation of Manitoba, which covers all Manitoba credit unions and caisses populaires.

Hubert Financial is a division of Access Credit Union in Manitoba, open to savers across Canada.

GIC products from Hubert Financial

Every GIC Hubert Financial currently offers, with the rate range each one pays.

Hubert Financial Term Deposit

Non-redeemable

3.75% – 4.25%

Terms 1 year – 5 years · min $1,000

Terms from 1 to 5 years, plus a distinctive one-year term that pays quarterly.

Hubert Financial rate table

Filter by account type, term and deposit — every number below is from the published rate table.

Filter 29 offers

Your situation

Deposit amount

$5k

$10k

$25k

$50k

$100k

Account type

Term

Any term

Under 1 year

1 year

18 months

2 years

3 years

4 years

5 years

Over 5 years

Product

GIC type

Currency

Options

Unlimited coverage

Cashable early

Promos only

Any term

Under 1 year

1 year

18 months

2 years

3 years

4 years

5 years

Over 5 years

Account type

Deposit

Best rate in this view

4.25%

Hubert Financial Term Deposit · 5 years

Rates published

Interest on $10,000

$2,125

over the 5 years term

How rates change with term length

Each line is one institution's best posted rate at that term — the 1 most competitive in this view.

Locking in for 5 years currently pays up to 0.40 points more than 1 year.

Hubert Financial

Every published rate

Projected value assumes a $10,000 deposit held to maturity. GICs that pay interest out monthly or annually are shown with simple interest; only compounding terms accrue on themselves.

Product	Term	Rate	Value on $10,000
Hubert Financial Term Deposit Non-redeemable · Compound · min $1,000	5 years	4.25%	$12,313 +$2,313
Hubert Financial Term Deposit Non-redeemable · TFSA · Compound · min $1,000	5 years	4.25%	$12,313 +$2,313
Hubert Financial Term Deposit Non-redeemable · FHSA · Compound · min $1,000	5 years	4.25%	$12,313 +$2,313
Hubert Financial Term Deposit Non-redeemable · RRSP · Compound · min $1,000	5 years	4.25%	$12,313 +$2,313
Hubert Financial Term Deposit Non-redeemable · RRIF · Compound · min $1,000	5 years	4.25%	$12,313 +$2,313
Hubert Financial Term Deposit Non-redeemable · Compound · min $1,000	4 years	4.150%	$11,766 +$1,766
Hubert Financial Term Deposit Non-redeemable · TFSA · Compound · min $1,000	4 years	4.150%	$11,766 +$1,766
Hubert Financial Term Deposit Non-redeemable · FHSA · Compound · min $1,000	4 years	4.150%	$11,766 +$1,766
Hubert Financial Term Deposit Non-redeemable · RRSP · Compound · min $1,000	4 years	4.150%	$11,766 +$1,766
Hubert Financial Term Deposit Non-redeemable · RRIF · Compound · min $1,000	4 years	4.150%	$11,766 +$1,766
Hubert Financial Term Deposit Non-redeemable · Compound · min $1,000	3 years	4.05%	$11,265 +$1,265
Hubert Financial Term Deposit Non-redeemable · TFSA · Compound · min $1,000	3 years	4.05%	$11,265 +$1,265
Hubert Financial Term Deposit Non-redeemable · FHSA · Compound · min $1,000	3 years	4.05%	$11,265 +$1,265
Hubert Financial Term Deposit Non-redeemable · RRSP · Compound · min $1,000	3 years	4.05%	$11,265 +$1,265
Hubert Financial Term Deposit Non-redeemable · RRIF · Compound · min $1,000	3 years	4.05%	$11,265 +$1,265
Hubert Financial Term Deposit Non-redeemable · Compound · min $1,000	2 years	3.95%	$10,806 +$806
Hubert Financial Term Deposit Non-redeemable · TFSA · Compound · min $1,000	2 years	3.95%	$10,806 +$806
Hubert Financial Term Deposit Non-redeemable · FHSA · Compound · min $1,000	2 years	3.95%	$10,806 +$806
Hubert Financial Term Deposit Non-redeemable · RRSP · Compound · min $1,000	2 years	3.95%	$10,806 +$806
Hubert Financial Term Deposit Non-redeemable · RRIF · Compound · min $1,000	2 years	3.95%	$10,806 +$806
Hubert Financial Term Deposit Non-redeemable · Compound · min $1,000	1 year	3.85%	$10,385 +$385
Hubert Financial Term Deposit Non-redeemable · TFSA · Compound · min $1,000	1 year	3.85%	$10,385 +$385
Hubert Financial Term Deposit Non-redeemable · FHSA · Compound · min $1,000	1 year	3.85%	$10,385 +$385
Hubert Financial Term Deposit Non-redeemable · RRSP · Compound · min $1,000	1 year	3.85%	$10,385 +$385
Hubert Financial Term Deposit Non-redeemable · RRIF · Compound · min $1,000	1 year	3.85%	$10,385 +$385