Term Deposits
Safe. Simple. Guaranteed.
Featured Rates
1 Year
Your Options
Fixed Term Deposits (Non-Redeemable)
Earn the highest available rate by locking in your money for the full length of the term. A safe, predictable choice when you don’t need immediate access to your funds.
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Typically, these offer the highest interest rates
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Funds stay locked until maturity
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Minimum deposit: $500 (longer terms) or $5,000 (shorter terms)
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Ideal for long-term savings goals like retirement, legacy, or big purchases
Redeemable Term Deposit
Enjoy the flexibility of accessing your money before maturity if you need it, while still earning a guaranteed return. Perfect for short-term savings or when life’s plans may change.
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Guaranteed interest with flexible access
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Withdraw funds anytime without penalty
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Minimum deposit: $500 (longer terms) or $5,000 (shorter terms)
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Great for emergency savings, short-term goals, or added peace of mind
Why Our Members Trust Term Deposits
Guaranteed growth
Your money is 100% safe.
Peace of mind
No market swings or surprises.
Flexible choices
Lock in the best rate, or keep access open.
Low minimums
Start with as little as $500.
A lasting impact
A reliable way to provide for yourself and your loved ones
Boost your financial know-how
Check out our Financial Literacy Hub for helpful tips, articles and resources.

Check out our Financial Literacy Hub for helpful tips, articles and resources.
Ladder Your Way to Better Returns
Term deposits are short on excitement, but long on peace of mind. If you’re looking for a secure investment with a guaranteed rate of return they’re hard to beat.
The trouble? Interest rates are unpredictable and that makes investing in term deposits tricky.
The Bank of Canada and Interest Rates
The first thing to note is that many factors influence interest rates, including – as we’ve seen time and time again – events well beyond our borders. However, with that being said, it’s certainly true that the Bank of Canada does indeed influence interest rates through its inflation targets.
