Envision Financial

Special Limited Time Offer

Term Deposit Specials

StepUp® 18Plus18

Saving money for something big? Consider this two-tiered term deposit as a great way to earn a better interest rate so you can stockpile money faster. Additional features & benefits 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 means you can access your money when you need it without penalty
  • Tax sheltered growth: RSP, TFSA, & RIF eligible
  • Interest paid annually
  • Plus, you can rest easy knowing that your deposits are 100% guaranteed.

 

15 Month Non-Redeemable

Consider this shorter length term deposit if you don't want to lock your money away for too long, but you'd like to get that interest rate boost rather than keeping your money in a savings account. Additional features & benefits include:

  • 15-month term length
  • Low minimum deposit ($1,000 non-registered;$500 registered; $100 juniors) with no maximum limit
  • Safe and secure way to save. Your initial investment and interest payment are guaranteed
  • Tax sheltered growth: RSP, TFSA, & RIF eligible
  • Interest paid annually
  • Plus, you can rest easy knowing that your deposits are 100% guaranteed.

 

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 linked 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 & TFSA 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.

 

Rates

Our Current Rates

Special Offer (Rates effective 2016-01-04) Rates
StepUp® 18Plus18 - first 18 months* 0.70%
StepUp® 18Plus18 - second 18 months* 2.80%
StepUp® 18Plus18 - average rate* 1.75%
15 Month Non-Redeemable 1.50%
TFSA High Interest Savings Account ($5,000+)* 0.70%
Cashable (non-registered, RSP, TFSA, RIF, LIF) (Rates effective 2016-01-04) Rates
StepUp® 9Plus9 - first 9 months* 0.70%
StepUp® 9Plus9 - second 9 months* 2.30%
StepUp® 9Plus9 - average rate* 1.50%
1 year (redeemable after 30 days) 0.65%
18 months (redeemable after 6 months) 0.70%

See more term deposit rates

*Rates are effective January 4, 2016 and are subject to change without notice. Interest rates are per annum. Terms and conditions apply.

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

 

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