About Achieva Financial
Achieva Financial is the online-only direct banking division of Winnipeg-based Cambrian Credit Union (est. 1959, ~$5B assets), launched in 1998 as one of Canada's longest-running online savings providers. It offers high-interest savings accounts and GICs, with all deposits guaranteed without limit by the Deposit Guarantee Corporation of Manitoba.
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Access: Membership required · Open common bond
Eligible provinces: Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland & Labrador, Nova Scotia, Northwest Territories, Nunavut, Ontario, Prince Edward Island, Quebec, Saskatchewan, Yukon
How to join: Apply online in under 5 minutes with photo ID and an initial funds transfer from another Canadian account.
Notes: Provincially regulated in MB by Cambrian Credit Union, but deposits are guaranteed unlimited by DGCM-MB which accepts members from any province — including BC residents.; Online arm of Cambrian CU; DGCM-MB unlimited deposit guarantee; open to BC residents
Deposit protection: Deposit Guarantee Corporation of Manitoba
100% unlimited deposit guarantee
Current top rates
rates confirmed as of 2026-10-16| GIC ladder | Best rate |
|---|---|
| 1-year GIC | 3.70% |
| 2-year GIC | 4.05% |
| 3-year GIC | 3.90% |
| 4-year GIC | 4.00% |
| 5-year GIC | 4.30% |
Base ladder rates. Institution may have more term rates below.
GIC rate history
Best historical posted GIC rate by term
Tracked since Jul 16, 2026 · 34 snapshots
Tracked since Jul 16, 2026 · 34 snapshots
Tracked since Jul 16, 2026 · 34 snapshots
Tracked since Jul 16, 2026 · 34 snapshots
Tracked since Jul 16, 2026 · 34 snapshots
Term deposit rates
Highlighted rows are promo rates— not stated on siterates confirmed as of 2026-10-16Filter rates
| Term | Registration | Redeemable | Compounding | Interest paid | Min–Max deposit | Rate |
|---|---|---|---|---|---|---|
| Long-term — 1 year + | ||||||
| 1 year | Non-regRRSPRRIFTFSA | N | — | Annually | $1k+ | 3.70% |
| 2 years | Non-regRRSPRRIFTFSA | N | — | Annually | $1k+ | 4.05% |
| 3 years | Non-regRRSPRRIFTFSA | N | — | Annually | $1k+ | 3.90% |
| 4 years | Non-regRRSPRRIFTFSA | N | — | Annually | $1k+ | 4.00% |
| 5 years | Non-regRRSPRRIFTFSA | N | — | Annually | $1k+ | 4.30% |
No rates match these filters.
Savings & chequing rates
rates confirmed as of 2026-10-16Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| Savings | |||||
| Savings | Daily Interest Savings Account | Daily | Monthly | $1,000 | 1.80% |
No rates match these filters.
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