Term Deposits
Get a better rate of return than your savings or chequing account.
Term deposit features
No fees
Fixed rate GIC
Guaranteed interest rate paid monthly or annually
Withdraw or reinvest your earnings at the end of the term
Option to compound earned interest
Terms from 30 days to 5 years
Got questions or need help finding the right term deposit for you?
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Explore our term deposit options
Real™ Savings Term Deposit
Overview
Designed for those who are looking for a secure investment, higher rates and the flexibility to withdraw on each anniversary with lesser penalty.
Key features
- No fees
- Fixed rate GIC
- Term lengths from 1 to 5 years, with a minimum initial investment of $5,000
- Cashable on each anniversary subject to 1 % penalty
- Guaranteed interest rate paid monthly or annually
- Withdraw or reinvest your earnings at the end of the term
- Option to compound earned interest
Redeemable Term Deposit
Overview
Designed for those looking for a secure shorter-term investment or flexibility to withdraw early while still earning interest.
Key features
- No fees
- Fixed rate GIC
- Term lengths from 30 days to 1 year, with a minimum initial investment of $1,000
- Guaranteed interest rate paid monthly or annually
- Withdraw or reinvest your earnings at the end of the term
- Option to compound earned interest
Non-redeemable Term Deposit
Overview
Designed for those looking for a secure longer investment horizon at a higher rate.
Key features
- No fees
- Fixed rate GIC
- Term lengths from 3 months to 5 years, with a minimum initial investment of $1,000
- Guaranteed interest rate paid monthly or annually
- Withdraw or reinvest your earnings at the end of the term
- Option to compound earned interest
Non-redeemable Small Savers Term Deposit
Overview
Designed for junior members starting out their investment journey.
Key features
- No fees
- Fixed rate GIC
- Term lengths from 3 to 5 years, with a minimum initial investment of $100
- Guaranteed interest rate paid monthly or annually
- Withdraw or reinvest your earnings at the end of the term
- Option to compound earned interest
USD Term Deposit Non-redeemable
Overview
Designed for those looking for a secure investment of their US funds.
Key features
- No fees
- Fixed rate GIC
- Term lengths from 1 months to 2 years, with a minimum initial investment of $10,000
- Guaranteed interest rate paid monthly or annually
- Withdraw or reinvest your earnings at the end of the term
- Option to compound earned interest
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