$Ballpark Deposits
RatesChanges
Meridian Credit Union

Meridian Credit Union

Posted deposit rates, captured October 25, 2026.

Posted rates

Source: meridian_page (https://www.meridiancu.ca/personal/rates-and-fees/gic-interest-rates); captured October 25, 2026. Currency: CAD, USD.

Cashable GIC

TermRate
1 year3.00%
0–90 days0.00%redemption rate
91–365 days3.00%redemption rate

Escalator GICs > 3-Year Escalator GIC

TermRate
3 years4.00%equivalent flat yield
3y_y13.60%
3y_y24.00%
3y_y34.40%

Escalator GICs > 5-Year Escalator GIC

TermRate
5 years4.20%equivalent flat yield
5-year stepper — year 13.70%
5-year stepper — year 23.90%
5-year stepper — year 34.10%
5-year stepper — year 44.30%
5-year stepper — year 55.00%

U.S. Dollar GICs > Short term GICs

TermRate
30 days2.80% US
60 days2.90% US
90 days3.00% US
180 days3.15% US
270 days3.15% US

Non-redeemable fixed rate GICs > Short term GICs

TermRate
30 days2.00%
60 days2.15%
90 days2.40%
180 days2.60%
270 days2.70%

Non-redeemable fixed rate GICs > Long term GICs

TermRate
18 months3.65%
1 year3.40%
2 years3.80%
3 years4.00%
4 years4.10%
5 years4.20%

U.S. Dollar GICs > Long term GICs

TermRate
1 year4.25% US
2 years4.45% US
3 years4.50% US
4 years4.45% US
5 years4.50% US

Raise the Rate GICs

TermRate
3 years3.90%
5 years4.10%

History

Each rate's own capture timeline (date → published rate, oldest first).

GIC (non-redeemable) · 1 year

August 29, 20263.10%
August 30, 20263.10%
September 6, 20263.10%
September 13, 20263.10%
September 20, 20263.20%
September 27, 20263.20%
October 4, 20263.30%
October 11, 20263.30%
October 18, 20263.30%
October 25, 20263.40%

GIC (non-redeemable) · 18 months

August 29, 20263.25%
August 30, 20263.25%
September 6, 20263.25%
September 13, 20263.35%
September 20, 20263.45%
September 27, 20263.45%
October 4, 20263.45%
October 11, 20263.45%
October 18, 20263.45%
October 25, 20263.65%

GIC (non-redeemable) · 2 years

August 29, 20263.50%
August 30, 20263.50%
September 6, 20263.50%
September 13, 20263.50%
September 20, 20263.70%
September 27, 20263.70%
October 4, 20263.70%
October 11, 20263.70%
October 18, 20263.70%
October 25, 20263.80%

GIC (non-redeemable) · 3 years

August 29, 20263.70%
August 30, 20263.70%
September 6, 20263.70%
September 13, 20263.70%
September 20, 20264.00%
September 27, 20264.00%
October 4, 20264.00%
October 11, 20264.00%
October 18, 20264.00%
October 25, 20264.00%

GIC (non-redeemable) · 4 years

August 29, 20263.80%
August 30, 20263.80%
September 6, 20263.80%
September 13, 20263.80%
September 20, 20263.90%
September 27, 20263.90%
October 4, 20264.00%
October 11, 20264.00%
October 18, 20264.00%
October 25, 20264.10%

GIC (non-redeemable) · 5 years

August 29, 20264.00%
August 30, 20264.00%
September 6, 20264.00%
September 13, 20264.00%
September 20, 20264.10%
September 27, 20264.10%
October 4, 20264.10%
October 11, 20264.10%
October 18, 20264.10%
October 25, 20264.20%

GIC (non-redeemable) · 30 days

August 29, 20261.75%
August 30, 20261.75%
September 6, 20261.75%
September 13, 20262.00%
September 20, 20262.00%
September 27, 20262.00%
October 4, 20262.00%
October 11, 20262.00%
October 18, 20262.00%
October 25, 20262.00%

GIC (non-redeemable) · 60 days

August 29, 20261.90%
August 30, 20261.90%
September 6, 20261.90%
September 13, 20262.15%
September 20, 20262.15%
September 27, 20262.15%
October 4, 20262.15%
October 11, 20262.15%
October 18, 20262.15%
October 25, 20262.15%

GIC (non-redeemable) · 90 days

August 29, 20262.15%
August 30, 20262.15%
September 6, 20262.15%
September 13, 20262.40%
September 20, 20262.40%
September 27, 20262.40%
October 4, 20262.40%
October 11, 20262.40%
October 18, 20262.40%
October 25, 20262.40%

GIC (non-redeemable) · 180 days

August 29, 20262.35%
August 30, 20262.35%
September 6, 20262.35%
September 13, 20262.60%
September 20, 20262.60%
September 27, 20262.60%
October 4, 20262.60%
October 11, 20262.60%
October 18, 20262.60%
October 25, 20262.60%

GIC (non-redeemable) · 270 days

August 29, 20262.45%
August 30, 20262.45%
September 6, 20262.45%
September 13, 20262.70%
September 20, 20262.70%
September 27, 20262.70%
October 4, 20262.70%
October 11, 20262.70%
October 18, 20262.70%
October 25, 20262.70%

GIC (cashable) · 1 year

August 29, 20262.65%
August 30, 20262.65%
September 6, 20262.65%
September 13, 20262.65%
September 20, 20262.85%
September 27, 20262.85%
October 4, 20262.85%
October 11, 20262.85%
October 18, 20262.85%
October 25, 20263.00%

GIC (cashable) · 0–90 days · redemption rate

August 29, 20260.00%
August 30, 20260.00%
September 6, 20260.00%
September 13, 20260.00%
September 20, 20260.00%
September 27, 20260.00%
October 4, 20260.00%
October 11, 20260.00%
October 18, 20260.00%
October 25, 20260.00%

GIC (cashable) · 91–365 days · redemption rate

August 29, 20262.65%
August 30, 20262.65%
September 6, 20262.65%
September 13, 20262.65%
September 20, 20262.85%
September 27, 20262.85%
October 4, 20262.85%
October 11, 20262.85%
October 18, 20262.85%
October 25, 20263.00%

GIC (escalator) · 3y_y1

August 29, 20263.40%
August 30, 20263.40%
September 6, 20263.40%
September 13, 20263.40%
September 20, 20263.60%
September 27, 20263.60%
October 4, 20263.60%
October 11, 20263.60%
October 18, 20263.60%
October 25, 20263.60%

GIC (escalator) · 3y_y2

August 29, 20263.60%
August 30, 20263.60%
September 6, 20263.60%
September 13, 20263.60%
September 20, 20264.00%
September 27, 20264.00%
October 4, 20264.00%
October 11, 20264.00%
October 18, 20264.00%
October 25, 20264.00%

GIC (escalator) · 3y_y3

August 29, 20264.10%
August 30, 20264.10%
September 6, 20264.10%
September 13, 20264.10%
September 20, 20264.40%
September 27, 20264.40%
October 4, 20264.40%
October 11, 20264.40%
October 18, 20264.40%
October 25, 20264.40%

GIC (escalator) · 3 years · equivalent flat yield

August 29, 20263.70%
August 30, 20263.70%
September 6, 20263.70%
September 13, 20263.70%
September 20, 20264.00%
September 27, 20264.00%
October 4, 20264.00%
October 11, 20264.00%
October 18, 20264.00%
October 25, 20264.00%

GIC (escalator) · 5-year stepper — year 1

August 29, 20263.50%
August 30, 20263.50%
September 6, 20263.50%
September 13, 20263.50%
September 20, 20263.60%
September 27, 20263.60%
October 4, 20263.60%
October 11, 20263.60%
October 18, 20263.60%
October 25, 20263.70%

GIC (escalator) · 5-year stepper — year 2

August 29, 20263.70%
August 30, 20263.70%
September 6, 20263.70%
September 13, 20263.70%
September 20, 20263.80%
September 27, 20263.80%
October 4, 20263.80%
October 11, 20263.80%
October 18, 20263.80%
October 25, 20263.90%

GIC (escalator) · 5-year stepper — year 3

August 29, 20263.90%
August 30, 20263.90%
September 6, 20263.90%
September 13, 20263.90%
September 20, 20264.00%
September 27, 20264.00%
October 4, 20264.00%
October 11, 20264.00%
October 18, 20264.00%
October 25, 20264.10%

GIC (escalator) · 5-year stepper — year 4

August 29, 20264.10%
August 30, 20264.10%
September 6, 20264.10%
September 13, 20264.10%
September 20, 20264.20%
September 27, 20264.20%
October 4, 20264.20%
October 11, 20264.20%
October 18, 20264.20%
October 25, 20264.30%

GIC (escalator) · 5-year stepper — year 5

August 29, 20264.80%
August 30, 20264.80%
September 6, 20264.80%
September 13, 20264.80%
September 20, 20264.90%
September 27, 20264.90%
October 4, 20264.90%
October 11, 20264.90%
October 18, 20264.90%
October 25, 20265.00%

GIC (escalator) · 5 years · equivalent flat yield

August 29, 20264.00%
August 30, 20264.00%
September 6, 20264.00%
September 13, 20264.00%
September 20, 20264.10%
September 27, 20264.10%
October 4, 20264.10%
October 11, 20264.10%
October 18, 20264.10%
October 25, 20264.20%

GIC (raise the rate) · 3 years

August 29, 20263.60%
August 30, 20263.60%
September 6, 20263.60%
September 13, 20263.60%
September 20, 20263.90%
September 27, 20263.90%
October 4, 20263.90%
October 11, 20263.90%
October 18, 20263.90%
October 25, 20263.90%

GIC (raise the rate) · 5 years

August 29, 20263.90%
August 30, 20263.90%
September 6, 20263.90%
September 13, 20263.90%
September 20, 20264.00%
September 27, 20264.00%
October 4, 20264.00%
October 11, 20264.00%
October 18, 20264.00%
October 25, 20264.10%

GIC (non-redeemable) · 1 year · US dollars

August 29, 20264.00%
August 30, 20264.00%
September 6, 20264.00%
September 13, 20264.00%
September 20, 20264.25%
September 27, 20264.25%
October 4, 20264.25%
October 11, 20264.25%
October 18, 20264.25%
October 25, 20264.25%

GIC (non-redeemable) · 2 years · US dollars

August 29, 20264.25%
August 30, 20264.25%
September 6, 20264.25%
September 13, 20264.25%
September 20, 20264.45%
September 27, 20264.45%
October 4, 20264.45%
October 11, 20264.45%
October 18, 20264.45%
October 25, 20264.45%

GIC (non-redeemable) · 3 years · US dollars

August 29, 20264.30%
August 30, 20264.30%
September 6, 20264.30%
September 13, 20264.30%
September 20, 20264.50%
September 27, 20264.50%
October 4, 20264.50%
October 11, 20264.50%
October 18, 20264.50%
October 25, 20264.50%

GIC (non-redeemable) · 4 years · US dollars

August 29, 20264.35%
August 30, 20264.35%
September 6, 20264.35%
September 13, 20264.35%
September 20, 20264.45%
September 27, 20264.45%
October 4, 20264.45%
October 11, 20264.45%
October 18, 20264.45%
October 25, 20264.45%

GIC (non-redeemable) · 5 years · US dollars

August 29, 20264.40%
August 30, 20264.40%
September 6, 20264.40%
September 13, 20264.40%
September 20, 20264.50%
September 27, 20264.50%
October 4, 20264.50%
October 11, 20264.50%
October 18, 20264.50%
October 25, 20264.50%

GIC (non-redeemable) · 30 days · US dollars

August 29, 20262.80%
August 30, 20262.80%
September 6, 20262.80%
September 13, 20262.80%
September 20, 20262.80%
September 27, 20262.80%
October 4, 20262.80%
October 11, 20262.80%
October 18, 20262.80%
October 25, 20262.80%

GIC (non-redeemable) · 60 days · US dollars

August 29, 20262.90%
August 30, 20262.90%
September 6, 20262.90%
September 13, 20262.90%
September 20, 20262.90%
September 27, 20262.90%
October 4, 20262.90%
October 11, 20262.90%
October 18, 20262.90%
October 25, 20262.90%

GIC (non-redeemable) · 90 days · US dollars

August 29, 20263.00%
August 30, 20263.00%
September 6, 20263.00%
September 13, 20263.00%
September 20, 20263.00%
September 27, 20263.00%
October 4, 20263.00%
October 11, 20263.00%
October 18, 20263.00%
October 25, 20263.00%

GIC (non-redeemable) · 180 days · US dollars

August 29, 20263.15%
August 30, 20263.15%
September 6, 20263.15%
September 13, 20263.15%
September 20, 20263.15%
September 27, 20263.15%
October 4, 20263.15%
October 11, 20263.15%
October 18, 20263.15%
October 25, 20263.15%

GIC (non-redeemable) · 270 days · US dollars

August 29, 20263.15%
August 30, 20263.15%
September 6, 20263.15%
September 13, 20263.15%
September 20, 20263.15%
September 27, 20263.15%
October 4, 20263.15%
October 11, 20263.15%
October 18, 20263.15%
October 25, 20263.15%