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RRIF Rates
RRIF Products
RRIF Escalators
Escalator RRIF - 3 Year *
(Effective October 3, 2024)
| Term | Potential Profit Share Effect | Posted Rates |
| 1 Year | 3.75% | 3.00% |
| 2 Year | 4.06% | 3.25% |
| 3 Year | 5.00% | 4.00% |
| 3 Year Average | 4.27% | 3.42% |
Escalator - 5 Year *
(Effective October 3, 2024)
| Term | Potential Profit Share Effect | Posted Rates |
| 1 Year | 3.75% | 3.00% |
| 2 Year | 4.37% | 3.50% |
| 3 Year | 4.37% | 3.50% |
| 4 Year | 4.37% | 3.50% |
| 5 Year | 5.00% | 4.00% |
| 5 Year average | 4.37% | 3.50% |
* Escalator Products
3 Year Term - Rates guaranteed for each of the 3 years
- Redeemable annually on anniversary dates with 5 business days grace.
5 Year Term - Rates guaranteed for each of the 5 years
- 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.
Non-Redeemable
RRIF Fixed
(Effective October 3, 2024)
| Term | Potential Profit Share Effect | Posted Rates |
| 1 Year | 4.68% | 3.75% |
| 2 Year | 4.37% | 3.50% |
| 3 Year | 4.06% | 3.25% |
| 4 Year | 4.06% | 3.25% |
| 5 Year | 4.37% | 3.50% |
RRIF Redeemable
RRIF Variable
(Effective Mar 10, 2021)
| Potential Profit Share Effect |
Posted Rates | |
| RRIF Variable | 0.37% | 0.30% |
RRIF Fixed
(Effective Jan. 11, 2024)
| Term |
Potential Profit Share Effect | Posted Rates |
| 1 Year | 2.50% | 2.00% |
| 2 Year | 2.50% | 2.00% |
| 3 Year33 | 2.50% | 2.00% |
| 4 Year | 2.50% | 2.00% |
| 5 Year | 2.50% | 2.00% |
Our Profit Share Effect
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.
Profit Share Historical Allocation
| Year | Allocation %** |
| 2012 | 26.60% |
| 2013 | 30.00% |
| 2014 | 25.30% |
| 2015 | 30.00% |
| 2016 | 25.00% |
| 2017 | 25.00% |
| 2018 | 25.00% |
| 2019 | 25.00% |
| 2020 | 22.00% |
| 2021 | 25.00% |
| 2022 | 25.00% |
| 2023 | 25.00% |