 (1).jpg)
The Rate Riser gives you the confidence of a 5‑year investment with the freedom to access your money every year. You’ll enjoy rising rates over time, plus an annual cash‑out window that keeps your savings flexible when life changes. You can access your money once per year on your investment anniversary date, with a 7‑day window to withdraw all or part of your funds. Outside of that window, the investment can’t be redeemed until the next anniversary. Book an Appointment to get started.
Life is unpredictable. Your money should adapt.
Earn an average annual return of 3.6%* over five years, with a built-in opportunity each year to access your money if life changes.
Secure your 3.6%* rate today!
Don’t miss out on a flexible way to grow your savings. Earn an average 3.6%* with increasing rates and a yearly opportunity to access your money if life changes. Rates can change at any time. Take advantage while available.
Why members choose the Rate Riser
You get the benefit of a longer-term investment, with a built-in opportunity each year to adjust if your needs change.
Grow your savings faster
Earn an average 3.6%* with rates that increase every year.
Stay in control
Access your money once per year if your plans change.
Adjust as life changes
Access your full or partial investment once every year on the anniversary date.
Watch Your Rate Grow Each Year
| Rate Riser Special | |
| 1 Year | 3.20% |
| 2 Years | 3.40% |
| 3 Years | 3.60% |
| 4 Years | 3.80% |
| 5 Years | 4.00% |
| *Annual Effective Rate 3.60% | |
*Redeemable in full or partial withdrawal once each year
on the investment anniversary date.*
Available for all your goals
- Registered Retirement Savings Plans (RRSPs)
- Tax‑Free Savings Accounts (TFSAs)
- Registered Retirement Income Funds (RRIFs)
- Non‑registered savings.
Secure your 3.6%* rate today!
Don’t miss out on a flexible way to grow your savings. Earn an average 3.6%* with increasing rates and a yearly opportunity to access your money if life changes. Rates can change at any time. Take advantage while available.
Have a question first?
Send us a quick email at connect@hmecu.com. We’re happy to help.
Frequently Asked Questions
How does the Rate Riser work and when can I access my money?
Is there a minimum withdrawal amount?
You must keep at least $1,000 in the GIC after any partial withdrawal. If the balance drops below $1,000, the entire GIC will be redeemed.
Is there a fee to withdraw funds?
Yes. A $1.50 withdrawal fee applies each time you make a withdrawal during your anniversary window.
What happens if I withdraw early?
Withdrawing before the full 5-year term may reduce the total interest you earn. The advertised Annual Effective Rate assumes you hold the GIC to maturity.
Is this available in registered accounts?
Yes. The Rate Riser GIC is available in both registered (such as RRSPs and TFSAs) and non-registered accounts.
When life changes, your savings should be there for you.
Our Rate Riser offers an average annual return of 3.6%* and a yearly cash-out opportunity, giving you the flexibility to access your money when you need it most. View full Terms and Conditions
.png)
Get in touch
© 2025 Healthcare & Municipal Employees’ Credit Union. All rights reserved.