Index Linked Term Deposit

Index-Linked Term Deposit

An Index Linked Term Deposit (ILTD) offers unlimited earning potential with zero risk to your principal investment. Like all term deposits your investment is locked in for a certain period of time; the difference is that with an ILTD your return is linked to the stock market rather than a guaranteed rate.

Index Linked Term Deposits are ideal for those who want earn a potentially higher return, without the risk of losing their principal investment. The return is calculated by the growth of the market index over the term.

Term Highlights

  • Principal is 100% guaranteed
  • No fees
  • Unlimited potential
  • Flexibility of 3 or 5-year terms
  • RRSP and TFSA eligible or invest in an unregistered GIC
To open this term deposit or for more information, please contact us today or visit a Community Savings branch.


  • Return = ((Average Value - Starting Value) ÷ Starting Value) x Participation Rate
    View current Three-year Index Linked Term Deposit returns here.
    View current Five-year Index Linked Term Deposit returns here.
  • Non-Redeemable
  • Registered product - also available as a registered RSP or TFSA product.
  • Deposits are 100% guaranteed. Protection provided by the Credit Union Deposit Insurance Corporation of British Columbia.. Detail

Minimum Deposit

  • $500