Saven Financial GIC rates

Deposits issued by FirstOntario Credit Union

Credit Union

Visit Saven Financial

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 Oct 9, 2026

Best rate

4.400%

today

Rates published

across 1 product

Terms

4 months – 5 years

Minimum deposit

$1,000

At a glance

Deposit protection

$250,000

FSRA (Ontario credit unions) · insured under FirstOntario Credit Union

How to buy

Online

Membership required

Where 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

Non-redeemable

2.75% – 4.400%

Terms 4 months – 5 years · min $1,000

4-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.

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Your situation

Deposit amount

$5k

$10k

$25k

$50k

$100k

Account type

Term

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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

4.400%

Saven Financial GIC · 5 years

Rates published

Interest on $10,000

$2,200

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 0.60 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	4.400%	$12,200 +$2,200
Saven Financial GIC Non-redeemable · Compound · min $1,000	5 years	4.400%	$12,402 +$2,402
Saven Financial GIC Non-redeemable · TFSA · Annual · min $1,000	5 years	4.400%	$12,200 +$2,200
Saven Financial GIC Non-redeemable · TFSA · Compound · min $1,000	5 years	4.400%	$12,402 +$2,402
Saven Financial GIC Non-redeemable · FHSA · Annual · min $1,000	5 years	4.400%	$12,200 +$2,200
Saven Financial GIC Non-redeemable · FHSA · Compound · min $1,000	5 years	4.400%	$12,402 +$2,402
Saven Financial GIC Non-redeemable · Annual · min $1,000	4 years	4.25%	$11,700 +$1,700
Saven Financial GIC Non-redeemable · Compound · min $1,000	4 years	4.25%	$11,811 +$1,811
Saven Financial GIC Non-redeemable · TFSA · Annual · min $1,000	4 years	4.25%	$11,700 +$1,700
Saven Financial GIC Non-redeemable · TFSA · Compound · min $1,000	4 years	4.25%	$11,811 +$1,811
Saven Financial GIC Non-redeemable · FHSA · Annual · min $1,000	4 years	4.25%	$11,700 +$1,700
Saven Financial GIC Non-redeemable · FHSA · Compound · min $1,000	4 years	4.25%	$11,811 +$1,811
Saven Financial GIC Non-redeemable · Annual · min $1,000	3 years	4.20%	$11,260 +$1,260
Saven Financial GIC Non-redeemable · Compound · min $1,000	3 years	4.20%	$11,314 +$1,314
Saven Financial GIC Non-redeemable · TFSA · Annual · min $1,000	3 years	4.20%	$11,260 +$1,260
Saven Financial GIC Non-redeemable · TFSA · Compound · min $1,000	3 years	4.20%	$11,314 +$1,314
Saven Financial GIC Non-redeemable · FHSA · Annual · min $1,000	3 years	4.20%	$11,260 +$1,260
Saven Financial GIC Non-redeemable · FHSA · Compound · min $1,000	3 years	4.20%	$11,314 +$1,314
Saven Financial GIC Non-redeemable · Annual · min $1,000	2 years	4.05%	$10,810 +$810
Saven Financial GIC Non-redeemable · Compound · min $1,000	2 years	4.05%	$10,826 +$826
Saven Financial GIC Non-redeemable · TFSA · Annual · min $1,000	2 years	4.05%	$10,810 +$810
Saven Financial GIC Non-redeemable · TFSA · Compound · min $1,000	2 years	4.05%	$10,826 +$826
Saven Financial GIC Non-redeemable · FHSA · Annual · min $1,000	2 years	4.05%	$10,810 +$810
Saven Financial GIC Non-redeemable · FHSA · Compound · min $1,000	2 years	4.05%	$10,826 +$826
Saven Financial GIC Non-redeemable · Annual · min $1,000	1 year	3.80%	$10,380 +$380