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RRIF Rates
RRIF Products
RRIF Escalators
Escalator RRIF - 3 Year *
(Effective November 21, 2024)
| Term | Potential Profit Share Effect | Posted Rates |
| 1 Year | 3.43% | 2.75% |
| 2 Year | 3.75% | 3.00% |
| 3 Year | 4.37% | 3.50% |
| 3 Year Average | 3.85% | 3.08% |
Escalator - 5 Year *
(Effective November 21, 2024)
| Term | Potential Profit Share Effect | Posted Rates |
| 1 Year | 3.43% | 2.75% |
| 2 Year | 3.75% | 3.00% |
| 3 Year | 3.75% | 3.00% |
| 4 Year | 3.75% | 3.00% |
| 5 Year | 4.68% | 3.75% |
| 5 Year average | 3.87% | 3.10% |
* 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.
Non-Redeemable
RRIF Fixed
(Effective April 1, 2025)
| Term | Potential Profit Share Effect | Posted Rates |
| 1 Year | 3.56% | 2.85% |
| 2 Year | 3.81% | 3.05% |
| 3 Year | 3.81% | 3.05% |
| 4 Year | 3.62% | 2.90% |
| 5 Year | 3.93% | 3.15% |
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% |