Fixed Rate Investments

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STEP UP to a great rate. The longer you invest, the more you’ll earn!  
Investing with an Optimum Investment gives you a great, guaranteed rate and with our 30-month and 54-month terms, you’ll earn an incredible 4.75% for the last 6 months of your investment!

Rate Boxes

Along with industry leading rates, you’ll have the peace of mind knowing all deposits in registered investment plans are fully insured through the Deposit Insurance Corporation of Ontario. Optimum Investments are safe, secure, and guaranteed.

Shorter Term. Bigger Return!

With WFCU Credit Union’s 54-month Optimum Investments you’ll get the benefit of a shorter term and still get a rate that is better than most 5 year fixed rate investments.  Why earn less at a bank, when you can earn more at WFCU Credit Union!

To learn more about WFCU’s Optimum Investments stop by one of our nine convenient branches or call 519-974-WFCU today!

GICs - Guaranteed Investment Certificates

Our GICs provide the following benefits:

  • Peace of mind knowing that your interest rate is guaranteed and your principal is safe and secure.
  • A range of terms to fit your investment needs. All funds are reinvested in our community as loans and mortgages.

 WFCU Credit Union Guaranteed Investment Certificates (GICs)


Our highest guaranteed interest rate for the term selected

Safe and secure

Interest payment flexibility

Automatic renewal options

 Rate of Return

 Guaranteed for the term selected


 1 year to 5 years

 Minimum Investment

 $500 for Adults
$100 for Young Members (under 18)

 Current Rates

 Click here to view the current GIC rates

Deposit Insurance Corporation Of Ontario

DICO is a corporation established by the Credit Unions and Caisses Populaires Act (Ontario) to provide deposit insurance for credit union and caisse populaire depositors against loss of part or all of their deposits. The deposits accepted by all credit unions and caisses populaires in Ontario, subject to the deposit insurance coverage limits specified in the Act and DICO By-laws, are insured by DICO.

For more information on DICO, please visit their website,

*All insurable non-registered deposits are covered up to $250,000. Insurable deposits in registered accounts have unlimited deposit coverage.  For further information on deposit insurance, please ask for a brochure at the credit union or visit DICO’s website at Rate of 2.25% is for the entire 24-month term. **Investments earn 1.50% for Year 1, 2.50% for Year 2 and 4.75% for the final 6 months.  Average annual yield for the complete 30-month investment is 2.60%. ‡Investments earn 1.50% for Year 1, 2.50% for Year 2, 2.65% for Year 3, 2.80% for Year 4 and 4.75% for the final 6 months.  Average annual yield for the complete 54-month investment is 2.75%. Minimum investment of $500.  Terms and conditions apply.  Rates subject to change without notice.  Investments are non-redeemable.  New funds only. †Quoted interest rates are for a 60-month GIC with Annual Compounding.  Rates current via respective website listing as of December 4, 2017.  ®/™ trademarks are the property of their respective owner(s).


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