Early Riser Term Deposit

This special term deposit provides a guaranteed a long term rate and the flexibility of rewriting the term on each anniversary. The Early Riser is a stepped rate investment in which the rate increases each year.

Term Highlights

  • 4-year locked-in terms
  • Rewritable on anniversary without penalty
  • Redeemable first 30 days
  • View rates

To open this term deposit or for more information, please contact us today or visit a Community Savings branch.


  • Increasing Rate - on each anniversary, the interest is calculated and compounded or paid into a deposit account. The longer you hold the term, the higher the interest.
  • Rate Bumping - you can protect your current rate of return, while having the flexibility of bumping up your term deposits to a higher interest rate in the future. On your term deposit's anniversary, you may rewrite your investment, into a non-redeemable term of equal or greater length than the time remaining on the original term deposit – with no penalty.
  • Redeemable - the term deposit is redeemable for the first 30 days with no interest. Non-redeemable after 30 days.
  • Registered product - also available as a registered RSP product.
  • Deposits are 100% guaranteed. Protection provided by the Credit Union Deposit Insurance Corporation of British Columbia. Detail

Minimum Deposit

  • Minimum $500 ($100 for Junior members)