Kawartha CU convertible Rate (Ontario only) | GIC discussions | Discussion forum

"Special Offer: Convertible 44 Month Deposit Special * (Rates effective 2022-03-11)
Non-registered or RRSP / RRIF / TFSA eligible (minimum investment $500) 2.40%
* Flexible Convertibility option: If Kawartha Credit Union GIC interest rates go up, you can convert to another GIC with a minimum 36-month term. Original term cannot be broken prior to 90 days. Cannot convert to another Convertible GIC."

https://www.kawarthacu.com/Rates/

I have no personal experience to offer.
Numerous locations in southern and southeastern Ontario, mostly smaller centres.

Convertible rates can be very useful if the right circumstances arise.