Special Limited Time Offer
Term Deposit Specials
Enjoy guaranteed growth with a two-tiered interest rate. Additional features include:
- 18-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
- 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
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.
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.
Our Current Rates
|Special Offer (Rates effective 2015-09-01)||Rates|
|StepUp® 9Plus9 - first 9 months||0.70%|
|StepUp® 9Plus9 - second 9 months||2.30%|
|StepUp® 9Plus9 - average rate||1.50%|
|TFSA High Interest Savings Account ($5,000+)*||0.70%|
|CASHABLE (non-registered, RSP, TFSA, RIF, LIF) (Rates effective 2015-09-01)||Rates|
|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%|
*Rates are effective September 1, 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.
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