Envision Financial

Special Limited Time Offer

Investment Specials

12 Month Non-Redeemable

If you don’t have immediate plans for your money but you want to earn an attractive rate of interest, consider a 12 month non-redeemable term deposit. Features include:

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

*Rate only available within Registered and TFSA plans.

 

StepUp® 9plus9

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
  • Fully cashable anytime during the term so you can access your money without penalty if you need to
  • Interest paid annually
  • Tax sheltered growth: RSP, TFSA, & RIF eligible

 

42 Month Prime Rider™

Get the security of a guaranteed deposit with a prime-linked interest rate. So that wherever prime goes, your returns follow. Features include:

  • 42 month term length
  • Fully or partially redeemable on the annual anniversary date
  • Low $500 minimum deposit with no maximum limit
  • 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 January 31, 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 2015-01-31) Rates
StepUp® 9plus9 - first 9 months 0.85%
StepUp® 9plus9 - second 9 months 2.65%
12 Month Non-Redeemable (only available within Registered and TFSA plans) 1.75%
42 Month Prime Rider™ 1.85%
TFSA High Interest Savings Account ($5,000+)* 0.85%
NON-REDEEMABLE (non-registered, RSP, TFSA, RESP, RIF, LIF) (Rates effective 2015-01-31) Rates
30-59 days 0.20%
60-89 days 0.20%
90-119 days 0.20%
120-179 days 0.20%
180-269 days 0.25%
270-364 days 0.25%
1 year 1.05%
2 year 1.40%
3 year 1.50%
4 year 1.55%
5 year 1.85%
REDEEMABLE* (non-registered, RSP, TFSA, RESP, RIF, LIF) (Rates effective 2015-01-31) Rates
1 year 0.80%
2 year 1.15%
3 year 1.25%
4 year 1.30%
5 year 1.60%
CASHABLE (non-registered, RSP, TFSA, RIF, LIF) (Rates effective 2015-01-31) Rates
StepUp® 18plus18 - first 18 months 0.85%
StepUp® 18plus18 - second 18 months 2.85%
StepUp® 18plus18 - average rate 1.85%
1 year (redeemable after 30 days) 0.65%
18 months (redeemable after 6 months) 0.70%

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

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