Vision Credit Union - RRIF Rates

RRIF Escalators

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Non-Redeemable

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Redeemable

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Escalator RRIF - 3 Year *

(Effective Jan. 11, 2024)

Term	Rates	Potential Profit Share Effect
1 Year	3.50%	4.37%
2 Year	3.75%	4.68%
3 Year	4.00%	5.00%

* Escalator Products

3 Year Term - Rates guaranteed for each of the 3 years

Open/Renewal Date August 11, 2016 - present: Redeemable annually on anniversary dates with 5 business days grace.
Open/Renewal Date up to August 10, 2016: Redeemable any time but 0.00% if withdrawn within the first 60 days.

5 Year Term - Rates guaranteed for each of the 5 years

Open/Renewal Date August 11, 2016 - present: Redeemable annually on anniversary dates with 5 business days grace.
Open/Renewal Date up to July 14, 2020 - August 10, 2016: Redeemable annually on 3rd or 4th anniversary dates.

RRIF Fixed

(Effective April 02, 2024)

Term	Rates	Potential Profit Share Effect
1 Year	4.50%	5.62%
2 Year	4.25%	5.31%
3 Year	3.50%	4.37%
4 Year	3.50%	4.37%
5 Year	3.50%	4.37%

RRIF Variable

(Effective Mar 10, 2021)

	Rates	Potential Profit Share Effect
RRIF Variable	0.30%	0.37%

As a member of Vision Credit Union, you are not only a member, you're an owner!

Member-owners share in our profits and have a voice in our Credit Union.

All investments are 100% guaranteed by the Credit Union Deposit Guarantee Corporation.

*Profit share effect is only an estimate using historical 10-year average profit share allocations. The profit share effect is not guaranteed. The profit share effect rates are the potential rate of return you could realize after profit share.