RRSP Rates

RRSP Products

RRSP Escalators

Non-Redeemable

Redeemable

RRSP Escalators

Escalator RRSP - 3 Year*

(Effective Jun 15, 2021)

Term
Rates
1 Year 0.50%
*1 Year Profit Share Effect 0.62%
2 Year 0.80%
*2 Year Profit Share Effect 1.00%
3 Year 1.00%
*3 Year Profit Share Effect 1.25%

Escalator RRSP - 5 Year*

(Effective Jun 15, 2021)

Term Rates
1 Year 0.50%
*1 Year Profit Share Effect 0.62%
2 Year 0.75%
*2 Year Profit Share Effect 0.93%
3 Year 1.00%
*3 Year Profit Share Effect 1.25%
4 Year 1.25%
*4 Year Profit Share Effect 1.56%
5 Year 1.50%
*5 Year Profit Share Effect 1.87%

* 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  • Open/Renewal Date up to August 10, 2016: Redeemable any time but 0.00% if withdrawn within the first 60 days.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.

Non-Redeemable

Short Term RRSP

(Effective Mar 10, 2021)

Term Rates
30 Day 0.10%
*30 Day Profit Share Effect 0.12%
60 Day 0.20%
*60 Day Profit Share Effect 0.25%
90 Day 0.30%
*90 Day Profit Share Effect 0.37%
120 Day 0.40%
*120 Day Profit Share Effect 0.50%
180 Day 0.40%
*180 Day Profit Share Effect 0.50%

RRSP Fixed

(Effective Mar 10, 2021)

Term Rates
1 Year
0.40%
*1 Year Profit Share Effect 0.50%
2 Year 0.65%
*2 Year Profit Share Effect 0.81%
3 Year 0.70%
*3 Year Profit Share Effect 0.87%
4 Year 0.75%
*4 Year Profit Share Effect 0.93%
5 Year 0.90%
*5 Year Profit Share Effect 1.12%

RRSP Prime Rate Riser

(Effective Mar 10, 2021)

Term Rates
3 Year RRSP Prime Rate Riser 0.95%
*3 Year RRSP Prime Rate Riser Profit Share Effect 1.19%
5 Year RRSP Prime Rate Riser 1.45%
*5 Year RRSP Prime Rate Riser Profit Share Effect 1.81%

Redeemable

RRSP Variable

(Effective Mar 10, 2021)

Rates
RRSP Variable 0.30%
*RRSP Variable Profit Share Effect 0.37%

RRSP Fixed

(Effective Mar 10, 2021)

Term
Rates
1 Year 0.30%
*1 Year Profit Share Effect 0.37%
2 Year 0.40%
*2 Year Profit Share Effect 0.50%
3 Year 0.50%
*3 Year Profit Share Effect 0.62%
4 Year 0.60%
*4 Year Profit Share Effect 0.75%
5 Year 0.70%
*5 Year Profit Share Effect 0.87%

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 %**
2010 23.25%
2011 26.10%
2012 26.60%
2013 30.00%
2014 25.30%
2015 25.00%
2016 25.00%
2017 25.00%
2018 25.00%
2019 25.00%
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