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Global Guarantee Term Deposit

Growth based on global market performance.

Growth based on global market performance.

  • Minimum return guaranteed
  • Additional return linked to market performance
  • $500 minimum
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Like the idea of earning higher returns than traditional term deposits, but aren't ready to take the full plunge into equity markets with your portfolio? Index-linked term deposits are a great "next step", and some, like our Global Guarantee Term Deposit, can even give you exposure to international market performance.

Combining the security of a term deposit with the growth potential of the stock market, you get the opportunity for high growth without risking your principal investment.

Like standard term deposits, you're guaranteed the full amount of your deposit at maturity. However, unlike standard term deposits, no interest rate is specified at the time of your deposit. The rate of return for our Global Guarantee Term Deposit is dependent on the performance of a reference portfolio, comprised of 20 "name brand" companies, each weighted at 5%.


  • Opportunity to participate in the growth potential of well-known international corporations
  • No risk to the investment principal
  • Potential for greater returns than traditional term deposits
  • No commissions or management fees
  • Low minimum deposit
  • Term length of 5 years
  • Non-redeemable
  • Deposits are 100% guaranteed*
  • Monthly online updates track performance

How the rate of return is determined

The rate of return for the Global Guarantee Term Deposit is based on the performance of a well-balanced portfolio of stocks from various geographical and industry sectors. The rate of return is determined by the yield of the securities. Interest earned is paid at maturity.

Return rates for Global Guarantee Term Deposit
Return5 years
If the basket (group of securities) depreciates or appreciates by less than:
…the return will be:
If the basket appreciates between:
…the return will be:
7.0% to 20.0%
The actual rate of return
If the basket appreciates by more than:
…the return will be:

The Global Guarantee Term Deposit is comprised of a basket of securities drawn from the following geographic regions and industry sectors:

Global Index-Linked Term Deposit Geographic Allocation

Past Performance**

Performance for Global Diversified Term Deposit
 Average annual returnMaximum annual return (current issue)
Global Guarantee 3.49% 3.71%
**The information provided is for informational purposes; past performance is not necessarily indicative of future returns. Compound annual return was calculated by applying the current characteristics of the Global Guarantee Term Deposit over the last 200 5-year periods ending each month between 05/30/2003 and 12/31/2019. Maximum annual returns are compounded annually. Current maximums are for the issue sales period of January 28, 2020 to March 23, 2020.
Term Selector

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Our easy-to-use selection tool will help you determine the right term deposit solution to meet your needs.

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Unless otherwise stipulated, all financial data are as of January 28, 2020.

* Deposits are 100% guaranteed. Protection provided by the Credit Union Deposit Insurance Corporation of British Columbia.

† Rates are subject to change without notice at any time. For more information visit your nearest branch or call us at 604.982.8000 or toll-free 1.888.713.6728.

Interest is compounded annually; paid at maturity.

2Maximum appreciation at maturity: This product has a ceiling that determines the maximum amount you may receive at maturity.

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