Investment savings account

At IC Savings we're all about making your money work harder so you don't have to. Our premium savings account delivers the high return of a GIC with the flexibility you have come to expect from a traditional savings account. Just one more way we do banking better.

Account features

• Daily interest rate: 1.25% p.a.
• Interest calculated daily, and paid monthly at the rate per annum (p.a.).
• Free withdrawals, whether in-branch or at any of our ATMs.
• Free transfers, whether in-branch, online or at any of our ATMs.
• Free deposits whether in-branch, by electronic fund transfer (EFT) or at any of our ATMs.
• Otherwise, $0.60/debit or point of sale (POS) purchases.
• Detailed monthly statement ($1.50) or passbook for record-keeping.

Click here to view a summary of our account services and related fees.

Common features, all the time

  • Deposits are 100% protected and guaranteed by the Deposit Insurance Corporation of Ontario (DICO).1
  • Use our mobile banking app on your smartphone to deposit a cheque directly to your account using the secure Deposit Anywhere™ service. Learn more about it here.
  • Bank ding-free®. Use your Member Card® debit card at any credit union ATMs on THE EXCHANGE® or ACCULINK® networks across the country.2
  • Unlimited day-to-day banking transactions for those 55 years of age and older.3
  • 24/7 online, mobile and ATM access, or in-branch personal service, Monday to Saturday, where the espresso is always on us!


1 Unregistered eligible deposits up to $250,000 are fully protected by DICO, and eligible registered deposits such as an RDSP, RESP, RRSP, RRIF and TFSA are fully insured. For more information, visit or call 1-800-268-6653.

2 Otherwise, $1.50/transaction when using all other ATMs outside these networks, or $3/transaction when using ATMs outside of Canada.

Day-to-day banking transactions include all deposits, withdrawals and transfers, whether in-branch, ATM or online.

Member Card® is a registered certification mark owned by Credit Union Central of Canada, and is used under license.

THE EXCHANGE® is a registered trademark licensed for use in Canada by Ficanex Service Limited Partnership.


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