A safe and flexible way to invest in the future, with guaranteed, competitive rates for the length of the term.
Short term deposits:
The freedom to partially redeem your investment whenever you need to, without rewriting your term or losing your guaranteed rate.
Flexibility and a high rate of return that increases the longer your funds stay in the term deposit.
*Redeemable first 30 days with no interest. For early withdrawal, reduced interest rates applies.
A guaranteed high rate of return with the flexibility to re-negotiate and increase your rate annually.
Retro-Rate: To maximize the return on your investment, each year has a guaranteed rate which is paid retroactively.
Rate Bumping: 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 can rewrite your investment to a locked-in term of 1 year or more, with no penalty
With a guaranteed long-term rate and the flexibility to re-write annually, your rate increases each year.
Increasing Rate: On the 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: Protect your current rate, and maintain the freedom to bump up your term deposits to a higher rate in the future. On your term deposit's anniversary, you can 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.
An 18-month, redeemable term deposit with rate flexibility, and the security of earning an attractive rate when held to maturity.
Flexible Term: An 18-month term lets you earn competitive interest without locking away funds.
Escalating Rate: Rates rise every 6 months, and the interest rate is compounded annually.
Unlimited earning potential with zero risk to your principal investment. Unlike other term deposits, your return is linked to the stock market instead of a guaranteed rate.
An attractive option if you are looking to earn higher potential returns from the stock market without risking your principal investment. MarketSafe is unlike other term deposits, as potential returns are calculated based on the performance of the S&P/TSX 60 stock market index instead of a guaranteed rate.
Return = ((Average Value - Starting Value) ÷ Starting Value) x Participation Rate
*Protection provided by the Credit Union Insurance Corporation of British Columbia.
*Terms and conditions apply.