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Investment Rates

Guaranteed Investment Certificates/Tax-Free Savings Accounts

Contract Certificates      
Non-RedeemableDays Invested:
Amount Invested15-2930-5960-8990-179180-269270-364
$5,000 - $99,9990.40%0.45%0.45%0.50%0.50%0.50%
$100,000 - $249,9990.45%0.50%0.50%0.55%0.55%0.55%
$250,000 or more0.50%0.55%0.55%0.60%0.60%0.60%
Term Deposits     
Non-RedeemableMonths Invested:
Amount Invested12-2324-3536-4748-5960
$500 - $99,9991.50%1.65%1.80%1.90%2.00%
$100,000 - $249,9991.55%1.70%1.85%1.95%2.05%
$250,000 - $999,9991.60%1.75%1.90%2.00%2.10%
$1,000,000 or more1.65%1.80%1.95%2.05%2.15%
Term Deposits     
RedeemableMonths Invested:
Amount Invested12-2324-3536-4748-5960
$500 - $99,9991.00%1.15%1.30%1.40%1.50%
$100,000 - $249,9991.05%1.20%1.35%1.45%1.55%
$250,000 - $999,9991.10%1.25%1.40%1.50%1.60%
$1,000,000 or more1.15%1.30%1.45%1.55%1.65%
Tax-Free Savings Account Variable 
$0 - $9,9990.40%
$10,000 - $24,9990.50%
$25,000 or more0.65%

Registered ( RRSP/RRIF) Guaranteed Investment Certificates

Trusteed by Concentra Financial

Contract Certificates      
Days Invested:
Amount Invested12-2930-5960-8990-179180-269270-364
$5,000 - $99,9990.40%0.45%0.45%0.50%0.50%0.50%
$100,000 - $249,9990.45%0.50%0.50%0.55%0.55%0.55%
$250,000 or more0.50%0.55%0.55%0.60%0.60%0.60%

Term Deposits     
Months Invested:
Amount Invested12-2324-3536-4748-5960
$500 - $99,9991.50%1.65%1.80%1.90%2.00%
$100,000 - $249,9991.55%1.70%1.85%1.95%2.05%
$250,000 - $999,9991.60%1.75%1.90%2.00%2.10%
$1,000,000 or more1.65%1.80%1.95%2.05%2.15%

Variable Rate Savings
   
$0 - $9,999$10,000 - $24,999$25,000 - $59,999$60,000 or more
0.50%0.55%0.60%0.75%

Important Notes:

  1. Registered Plans (including TFSAs) do not participate in patronage payments.
  2. Failing notification in advance, Term Deposits and Contract Certificates will be credited to Plan 24 savings upon maturity.
  3. Highest rate will be paid if aggregate funds invested in CDs and Terms with Swan Valley (whether registered or non-registered) at date of deposit meet required levels.
  4. Redeemable prior to maturity subject to penalty, except in the event of a serious medical emergency or the death of the depositor or a member of his/her immediate family, in which case the penalty may be waived.
  5. No registration or front-end loading fee, no administration fee, no transaction fees, no unloading or withdrawal fee or penalty. RRSP term deposits locked in for period selected, except in case of death, the purchase of an annuity or Registered Income Fund.
  6. Not transferable; assignable only to Swan Valley Credit Union as loan security (RRSPs excluded)
  • Interest rates are subject to change without notice. Rates on Term Deposits, Contract Certificates, and Fixed Rate RRSP’s are guaranteed to maturity.
  • Credit Union Deposit Guarantee Corporation, a deposit insurance corporation that insures the deposits of all Manitoba Credit Unions, guarantees all deposits.
  • Any Patronage Payments Received Will Increase The Effective Yield Earned. (Registered products excluded).

Main Branch

913 Main Street E.
Box 1510 Swan River,
Manitoba R0L 1Z0


Phone: 1-877-218-7828
Fax: (204) 734-3968

Benito Branch

103 Main Street
Benito, Manitoba
R0L 0C0


Phone: (204) 539-2400
Fax: (204) 539-2401

Minitonas Agency

Minitonas Community Store
267 2nd Ave.
Minitonas, MB R0L 1G0


Phone: (204) 525-2623
Fax: (204) 525-2624

© Swan Valley Credit Union 2013

Swan Valley Credit Union  Main Branch is a BBB Accredited Credit Union in Swan River, MB