Business Investments


Reach your goals faster with a business investment plan

A sound investment plan can help your business build equity, save for capital campaigns or improvements, or even invest for growth. PenFinancial has a range of business investment products that can help meet your complex business needs in the short or long-term, whatever your industry.

PenFinancial offers industry leading deposit rates, and eligible deposits (not in registered accounts) are insured up to $250,000 through the Financial Services Regulatory Authority (FSRA).

Meet the Commerical Business Team


Guaranteed Investment Certificates (GICs)

Business Members can invest business money at the same competitive GIC rates available to PenFinancial personal Members1.

Key Features

  • Guaranteed return on investment
  • Competitive locked-in rates
  • Secure and flexible options

See current GIC rates →

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Business eSavings Account

Keep up-to-date and earn a premium interest rate with an online banking account for your business.

Key Features

  • Competitive tiered interest rate
  • Free online transactions
  • No minimum balance

See current interest rates →

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Commercial Cashable GIC

All the same benefits of a standard GIC, but with the option to cash out after 90 days.

Key Features

  • Market-leading interest rate
  • Minimum $100,000 investment
  • 90 day “Cash-out” option

See current GIC rates →

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AgriInvest Deposit Account

A flexible deposit account that helps farmers navigate small margin declines, mitigate risk, or grow investments.

  • Annual deposits receive matching contributions from federal and provincial governments
  • Flexibility to withdraw funds at any time

Let's work together

The right business banking solutions can save you time and money. Connect with the Commercial Business team we can show you how we can help your business thrive.

Send us a message, book an appointment online, or contact our commercial team, and we’ll have someone reach out to help you hit your goals.

Where you put your money matters, Niagara

Our Truly Local Commitment is the heart and soul of our philosophy, where we believe the prosperity of our members and our community go hand in hand. We donate 10% of our pre-tax profits back into your communities, a living wage is our minimum wage, and we are a Certified B Corporation – just a few ways we are invested in your community.