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Saven Financial GIC rates
Deposits issued by FirstOntario Credit UnionCredit Union
An Ontario credit-union brand with short 4- and 6-month terms alongside a competitive long ladder.
Rates verified nightly
· re-checked against Saven Financial's own site
· last check Aug 25, 2026
Best rate
4.05%
todayRates published
21
across 1 productTerms
120 days – 5 years
Minimum deposit
$1,000
At a glance
Deposit protection
$250,000
FSRA (Ontario credit unions) · insured under FirstOntario Credit UnionHow to buy
Online
Membership requiredWhere it's available
Ontario
Good to know
FSRA insures deposits at Ontario credit unions up to $250,000 for non-registered deposits; deposits in registered plans are insured in full with no limit.
Saven is a division of FirstOntario Credit Union and is open to Ontario residents.
GIC products from Saven Financial
Every GIC Saven Financial currently offers, with the rate range each one pays.
Saven Financial GIC
2.50% – 4.05%
Terms 120 days – 5 years · min $1,0004-month through 5-year terms, with identical rates in non-registered, TFSA and FHSA plans.
Saven Financial rate table
Filter by account type, term and deposit — every number below is from the published rate table.
Filter 21 offers
All account types
Any term
All GIC types
$
Canadian dollars
Best rate in this view
4.05%
Saven Financial GIC · 5 years
Rates published
21
Interest on $10,000
$2,025
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 0.45 points more than 1 year.
Saven 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 | |
|---|---|---|---|---|
Saven Financial GIC Non-redeemable · Annual · min $1,000 | 5 years | 4.05% | $12,025 +$2,025 | |
Saven Financial GIC Non-redeemable · TFSA · Annual · min $1,000 | 5 years | 4.05% | $12,025 +$2,025 | |
Saven Financial GIC Non-redeemable · FHSA · Annual · min $1,000 | 5 years | 4.05% | $12,025 +$2,025 | |
Saven Financial GIC Non-redeemable · Annual · min $1,000 | 4 years | 3.95% | $11,580 +$1,580 | |
Saven Financial GIC Non-redeemable · TFSA · Annual · min $1,000 | 4 years | 3.95% | $11,580 +$1,580 | |
Saven Financial GIC Non-redeemable · FHSA · Annual · min $1,000 | 4 years | 3.95% | $11,580 +$1,580 | |
Saven Financial GIC Non-redeemable · Annual · min $1,000 | 3 years | 3.90% | $11,170 +$1,170 | |
Saven Financial GIC Non-redeemable · TFSA · Annual · min $1,000 | 3 years | 3.90% | $11,170 +$1,170 | |
Saven Financial GIC Non-redeemable · FHSA · Annual · min $1,000 | 3 years | 3.90% | $11,170 +$1,170 | |
Saven Financial GIC Non-redeemable · Annual · min $1,000 | 2 years | 3.85% | $10,770 +$770 | |
Saven Financial GIC Non-redeemable · TFSA · Annual · min $1,000 | 2 years | 3.85% | $10,770 +$770 | |
Saven Financial GIC Non-redeemable · FHSA · Annual · min $1,000 | 2 years | 3.85% | $10,770 +$770 | |
Saven Financial GIC Non-redeemable · Annual · min $1,000 | 1 year | 3.60% | $10,360 +$360 | |
Saven Financial GIC Non-redeemable · TFSA · Annual · min $1,000 | 1 year | 3.60% | $10,360 +$360 | |
Saven Financial GIC Non-redeemable · FHSA · Annual · min $1,000 | 1 year | 3.60% | $10,360 +$360 | |
Saven Financial GIC Non-redeemable · Annual · min $1,000 | 180 days | 2.75% | $10,138 +$138 | |
Saven Financial GIC Non-redeemable · TFSA · Annual · min $1,000 | 180 days | 2.75% | $10,138 +$138 | |
Saven Financial GIC Non-redeemable · FHSA · Annual · min $1,000 | 180 days | 2.75% | $10,138 +$138 | |
Saven Financial GIC Non-redeemable · Annual · min $1,000 | 120 days | 2.50% | $10,083 +$83 | |
Saven Financial GIC Non-redeemable · TFSA · Annual · min $1,000 | 120 days | 2.50% | $10,083 +$83 | |
Saven Financial GIC Non-redeemable · FHSA · Annual · min $1,000 | 120 days | 2.50% | $10,083 +$83 |