Envision Financial

Special Limited Time Offer

Investment Specials

90 Day Non-Redeemable (TFSA Only)

Make the most of the Federal government’s TFSA limit increase to $10,000 with this competitive short-term rate. Features include:

  • 90 day term length
  • Low minimum deposit of $500 with no maximum limit
  • Only available within TFSA
  • Interest paid at maturity

Please note: The 2015 Federal Budget proposes that the annual TFSA contribution limit be increased to $10,000 effective January 1, 2015. Please contact the CRA at 1.800.959.8281 or www.cra-arc.gc.ca/tfsa for more details.

 

17 Month Non-Redeemable

If you don’t have immediate plans for your money but you want to earn an competitive rate of return on your savings, consider a 17 month non-redeemable term deposit. Features include:

  • 17 month term length
  • Low minimum deposit ($1,000 non-registered;$500 registered; $100 juniors) with no maximum limit
  • Tax sheltered growth: RSP, TFSA, & RIF eligible
  • Interest paid annually

 

StepUp® 18plus18

Enjoy guaranteed growth with a two-tiered interest rate. Additional features include:

  • 36-month term length
  • Two-tiered interest rate with an increase halfway through the term so you're rewarded with a bonus for leaving your money in for the full term
  • Low minimum deposit ($1,000 non-registered;$500 registered; $100 juniors) with no maximum limit
  • Fully cashable anytime during the term so you can access your money without penalty if you need to
  • Tax sheltered growth: RSP, TFSA, & RIF eligible
  • Interest paid annually

 

winwin™ Term Deposit

Looking to take advantage of stock returns without the risk? This term deposit guarantees you a competitive rate with the potential for greater returns limited to the performance of 8 Canadian securities.

  • 3 and 5 year terms
  • Low minimum deposit
  • Guaranteed principal
  • Guaranteed minimum return
  • Rate of interest is based on the performance of Canadian Financial Institutions
  • RSP eligible

View winwin™ details and rates

 

How winwin™ term deposit works

On the issue date:
Your principal investment and all interest earned from the purchases date are rolled into your winwin™ index-linked term. Guaranteed interest is calculated from the issue date.

Index-related return:
Return is determined by the growth of the index from the opening index to the closing index. Even if the closing index value is lower than the opening index level, you'll still have your entire principal investment paid out at maturity. Your principal and the guaranteed minimum interest will also be calculated from the issue date, compounded annually. If the closing index value is higher than the opening index value, the winwin™ term deposit will pay your principal investment plus all index-related returns at maturity.

 

Plus, you can rest easy knowing that your deposits are 100% guaranteed.†

 

*Rates are effective July 24, 2015 and are subject to change without notice. Interest rates are per annum. Interest compounds annually. Terms and conditions apply.

†The Credit Union Deposit Insurance Corporation of British Columbia, a statutory corporation, fully guarantees all deposits. Credit Union equity shares and investments such as mutual funds or RSP equity plans are not covered by deposit insurance.

Rates

Our Current Rates

Special Offer (Rates effective 2015-07-24) Rates
90 Day Non-Redeemable (TFSA Only) 1.75%
17 Month Non-Redeemable 1.50%
StepUp® 18plus18 - first 18 months 0.70%
StepUp® 18plus18 - second 18 months 3.00%
StepUp® 18plus18 - average rate 1.85%
TFSA High Interest Savings Account ($5,000+)* 0.70%
CASHABLE (non-registered, RSP, TFSA, RIF, LIF) (Rates effective 2015-07-24) Rates
StepUp® 9plus9 - first 9 months 0.70%
StepUp® 9plus9 - second 9 months 2.20%
StepUp® 9plus9 - average rate 1.45%
StepUp® 18plus18 - first 18 months 0.70%
StepUp® 18plus18 - second 18 months 3.00%
StepUp® 18plus18 - average rate 1.85%
1 year (redeemable after 30 days) 0.65%
18 months (redeemable after 6 months) 0.70%

See more term deposit rates

Rates are subject to change without notice. Interest rates are per annum. Interest compounds annually. Terms and conditions apply.

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