Earn an average of 2.00%*
on a 3 year escalating term.

Are you looking to step up your investment game? Our Step Up GIC is a flexible investment option that works on an escalating scale – the longer you invest, the greater your rate! Need to cash out early? Don’t worry, you can redeem your deposit on any anniversary date at the advertised rate for that term.

Available for non-registered, TFSA and RSP accounts.



Year 1


Year 2


Year 3


Average Yield


Take advantage of this limited time offer. Speak with an advisor today!

Book an Appointment

Terms and Conditions

*Average rate of 2.00% is based on a 3 year escalating term. Rate in year 1 is 1.15%, rate in year 2 is 1.85%, and rate in year 3 is 3.00%. Terms and conditions apply. Rates are subject to change at any time. Contact your branch for details.

Deposits backed by FSRA's Deposit Insurance Reserve Fund (DIRF). Eligible non-registered deposits are insured up to $250,000 (Principal & Interest) per depositor. Registered deposits have unlimited insurance protection. Visit fsrao.ca to learn more.

Why Invest With Community First

Community First, a division of Your Neighbourhood Credit Union has been serving communities across Ontario for over 70 years. We’re a Member-owned financial partner that understands the real trials and financial realities of our Members’ lives today.

Supporting Your Community

By keeping your money local, your deposits turn into investment and loan opportunities for local residents and small businesses in the communities we serve.

Competitive Rates
Secure a great rate and start earning from day one.

Investing Done Right
A variety of terms and options to suit short and long-term investment needs.

Safe & Secure
Unlimited Deposit Insurance for Registered Investment Plans through the Financial Services Regulatory Authority of Ontario (FSRA).