RRSP Rates

RRSP Products

RRSP Escalators

Non-Redeemable

Redeemable

RRSP Escalators

Escalator RRSP - 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 RRSP - 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

Short Term RRSP

(Effective Jan. 11, 2024)

Term Potential Profit Share Effect Posted Rates
30 Day 2.50% 2.00%
60 Day 2.50% 2.00%
90 Day 2.81% 2.25%
120 Day 2.81% 2.25%
180 Day 3.12% 2.50%

RRSP 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%

Redeemable

RRSP Variable

(Effective Mar 10, 2021)

Potential Profit Share Effect Posted Rates
RRSP Variable 0.37% 0.30%

RRSP 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 Year 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 25.00%
2016 25.00%
2017 25.00%
2018 25.00%
2019 25.00%
2020 22.00%
2021 25.00%
2022 25.00%
2023 25.00%
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