Beem Credit Union GIC rates compared
Beem Credit Union's best posted rate is 3.55% on a 4-year term. The best rate available in Canada for that term is 4.10%, from WealthONE Bank of Canada. Both are covered by deposit insurance.
Get Beem GICsHow do Beem Credit Union's GIC rates compare to the best in Canada?
On a 5-year term Beem Credit Union posts 3.65% against 4.30% from WealthONE Bank of Canada, the best we track. Every term it publishes is compared the same way below.
| Term | Beem Credit Union | Best in Canada | Gap | Leader |
|---|---|---|---|---|
| 1-year | 3.15% | 3.70% | −0.55 pts | WealthONE Bank of Canada |
| 2-year | 3.30% | 3.95% | −0.65 pts | WealthONE Bank of Canada |
| 3-year | 3.45% | 4.05% | −0.60 pts | WealthONE Bank of Canada |
| 4-year | 3.55% | 4.10% | −0.55 pts | WealthONE Bank of Canada |
| 5-year | 3.65% | 4.30% | −0.65 pts | WealthONE Bank of Canada |
Beem Credit Union does not publish how often its term deposits compound. Every other rate on this site is an annual equivalent, so the figures above are comparable only if Beem Credit Union compounds annually too — and it does not say. Ask them before you commit: on a five-year term the difference between annual and simple interest is real money. If you find it stated anywhere, tell us and it goes on this page.
Is Beem Credit Union's GIC covered by CUDIC?
Yes, though not by CDIC. Beem Credit Union is a credit union regulated in British Columbia, so its deposits are guaranteed in full by the Credit Union Deposit Insurance Corporation of British Columbia, with no dollar limit and no per-category arithmetic to do.
British Columbia. All deposits guaranteed without limit.
Where do these Beem Credit Union rates come from?
Directly from Beem Credit Union's own posted rate page at beemcreditunion.ca, read by hand on 2026-09-05. Beem Credit Union does not date its posted rates, so the read date is the only currency guarantee available.
All 11 terms Beem Credit Union posts were captured in that read. No aggregator, no feed, no affiliate link.
Beem Credit Union's posted rates on beemcreditunion.caHow we collect and check ratesWho should buy a GIC from Beem Credit Union?
Anyone holding more than $100,000 in one place. CUDIC guarantees deposits here in full, where CDIC stops at $100,000 — and the rate gap to the leader is 0.55 points at 4-year.
Common questions about Beem Credit Union GICs
What is Beem Credit Union's minimum GIC deposit?
$500. Published minimums across the 10 institutions that state one run $100 to $1,000.
Does Beem Credit Union have the best GIC rate in Canada?
Not on a 5-year term. Beem Credit Union posts 3.65% there, against 4.30% from WealthONE Bank of Canada: a gap of 0.65 points on the same term, for the same non-redeemable product. The table above runs the same comparison across all 5 terms.
Which GIC terms does Beem Credit Union offer?
11 terms are posted on beemcreditunion.ca, from 30–59 days to 5 year. The comparison table above covers the 5 annual terms where enough issuers publish a rate for a market comparison to mean anything.
Does Beem Credit Union pay GIC interest monthly?
Beem Credit Union does not post a separate interest-paid-monthly rate on beemcreditunion.ca, so we do not publish one. Where an issuer posts one it is always lower than the compounding rate, which makes it worth asking before you choose monthly income.
Are these Beem Credit Union rates promotional?
No. These are Beem Credit Union's standard posted rates, read from beemcreditunion.ca on 2026-09-05. Beem Credit Union does not date its posted rates, so that read date is the only currency guarantee available here. Limited-time promotions are noted separately rather than used to move an institution up the ranking.
How we collect and check ratesWhat would Beem Credit Union's 4-year rate pay on your deposit?
On $50,000 it pays $7,487 in interest over the full term. Change the amount to see what that becomes on yours, then compare it against the leader.
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Independent and unaffiliated. Rates are read from Beem Credit Union's own posted page at beemcreditunion.ca and may change without notice. Educational information only, not financial advice. Published by Croton Holdings LLC. Corrections to daniel@crotoncontent.com.