A full range to meet your needs

Short-term or long, redeemable or non-redeemable, registered or non-registered, guaranteed interest rate or market-based, we can help you find the most suitable term deposit to reach your savings goals.

mltd escalator Q1 2025

Take your savings to the next level

Lock in a great rate now and enjoy higher rates starting in year two. Earn 2.25% in the first year, increased automatically to 3.25% in the second year of your investment.^

  • Option to redeem funds after the first anniversary, or earn a higher rate for another year
  • Registered accounts include RRSP, RRIF, RESP, TFSA or RDSP
  • Choose to renew or reinvest at maturity 
  • Eligible deposits are 100% guaranteed†
  • $100 minimum
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Navigating Your Investment Strategy in Today’s Economy

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Looking to make sure your investments are on track? Tune in to watch our expert financial and investment advisors offer their perspectives on:

  • Opportunities and challenges of today's economy
  • Investment and financial planning strategies 
  • Market trends and insights

Get peace of mind and practical solutions from our expert advisors. 

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Our term deposits provide:

  • A great way to earn higher interest on money you don't need for day-to-day expenses
  • A no-risk savings strategy with guaranteed principal
  • The option to consider term rates based partially or wholly on market performance, for higher potential growth
  • Term lengths from as short as 30 days up to 5 years
  • Low minimum deposits
  • Competitive interest rates
  • Deposits are 100% guaranteed†

Our financial experts will work with you to find the solution that best meets your needs.

Cherry blossoms

Short-Term Non-Redeemable

Guaranteed growth for as little as 30 days.

  • Laddered rate 30-364 days
  • $500 minimum RRSP, RRIF &
  • TFSA eligible

More Details

Green leaf on a tree branch

Long-Term Non-Redeemable

Guaranteed growth over the long term.

  • Laddered rate
  • 1-5 years, $500 minimum
  • RRSP, RRIF, RESP, TFSA, RDSP & FHSA eligible

More Details

Flower bud on branch

FLEXterm Term Deposit

Even small deposits can work harder.

  • 1- or 2-year options
  • $100 minimum
  • RRSP, RRIF, TFSA, FHSA eligible

More Details

While flower growing by log

Escalator® Term Deposit

Growth that escalates over the long term.

  • Laddered rate
  • 2, 3 or 5 year terms
  • $100 minimum
  • RRSP, RRIF, RESP, TFSA, RDSP eligible

More Details
 

Small leaves with water droplets on them

GuaranteePlus Term Deposit

Guaranteed return plus potential.

  • Market performance based rate
  • 3 or 5 years
  • $500 minimum
  • RRSP, RESP & TFSA eligible

More Details

canadian diversified term deposit

Canadian Diversified Term Deposit

Growth based on Canadian companies.

  • 3 years non-redeemable
  • $500 minimum
  • Interest at maturity
  • RRSP, RESP, TFSA eligible

More Details 

Image of a leaf with water droplets on it

Responsible Option Aggressive Guaranteed Term Deposit

ESG values for sustainable growth.

  • 3  year non-redeemable
  • $500 minimum
  • Higher potential return 

More Details
 

Beautiful white flowers on a branch

U.S. Term Deposits

Guaranteed growth over the long term.

  • 30 days – 1 year
  • $500 minimum
  • Interest at maturity

More Details

Have a question? Ask an expert

Kelly Gares
Investment Advisor

Our team of experienced professionals are here to answer any questions you may have.

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