Best Credit Union
GIC Rates in Kelowna 2026
Compare 1-year, 3-year, and 5-year guaranteed investment certificate rates at credit unions serving Kelowna. GIC deposits at British Columbia credit unions are protected with no dollar limit by Credit Union Deposit Insurance Corporation of BC (CUDIC).
100% safe
principal + interest guaranteed regardless of market conditions
Unlimited
deposit insurance coverage in British Columbia
TFSA eligible
hold a GIC inside your TFSA for completely tax-free returns
Top GIC rates for Kelowna residents
Kelowna-headquartered credit unions first, then other British Columbia options. Sorted by rate within each tier.
Most credit unions serving Kelowna require British Columbia residency or open-to-all membership. Check eligibility before purchasing a GIC.
1-Year GIC Rates
All 1-Year GICProspera Credit Union
Island Savings, A Division of Tru Cooperative/First West Credit Union
Valley First, A Division of Tru Cooperative/First West Credit Union
Envision Financial, A Division of Tru Cooperative/First West Credit Union
Cascadia Credit Union
Salmon Arm Savings and Credit Union
Vancity
First Credit Union
VantageOne Credit Union
Blueshore Financial Credit Union
3-Year GIC Rates
All 3-Year GICProspera Credit Union
Vancity
Island Savings, A Division of Tru Cooperative/First West Credit Union
Valley First, A Division of Tru Cooperative/First West Credit Union
Envision Financial, A Division of Tru Cooperative/First West Credit Union
Cascadia Credit Union
Salmon Arm Savings and Credit Union
First Credit Union
VantageOne Credit Union
Vancouver Firefighters Credit Union
5-Year GIC Rates
All 5-Year GICProspera Credit Union
Cascadia Credit Union
Island Savings, A Division of Tru Cooperative/First West Credit Union
Valley First, A Division of Tru Cooperative/First West Credit Union
Envision Financial, A Division of Tru Cooperative/First West Credit Union
First Credit Union
Salmon Arm Savings and Credit Union
Vancity
Beem Credit Union
Blueshore Financial Credit Union
Rates shown are for standard non-redeemable GICs unless otherwise indicated. Always confirm the current rate directly with the credit union before purchasing.
Looking beyond Kelowna?
See every credit union serving British Columbia, or compare GIC rates across the whole country.