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GuaranteePlus Term Deposit

Guaranteed return plus potential for additional growth.

Guaranteed return plus potential for additional growth.

  • Minimum return guaranteed
  • Additional return linked to market performance
  • $500 minimum
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Looking to balance security with growth? Our GuaranteePlus Term Deposit provides a guaranteed minimum rate of return plus the potential to earn even more based on the market performance of eight blue-chip Canadian financial companies. Peace of mind and portfolio diversification in one easy step.

Features

  • Minimum return guaranteed
  • No risk to investment principal
  • Partial performance linked to 8 solid Canadian financial securities, including multi-national insurance companies
  • Potential for greater returns than traditional term deposits
  • No commissions or management fees
  • Low minimum deposit
  • Term lengths of 3 or 5 years
  • Non-redeemable
  • Deposits are 100% guaranteed*
  • Monthly online updates track performance

How your rate of return is determined.

As shown in the table below, you are guaranteed a minimum rate of return, determined by the duration of your investment. Then, as the performance of the linked financial securities increases, so does your rate of return – up to the maximum rates indicated.

Return rate for GuaranteePlus Term Deposit
Return3 years5 years
If the basket (group of securities) appreciates by less than:
...the return will be:
1.50%
1.50%
4.0%
4.0%
If the basket appreciates between:
...the return will be:
1.50% to 12.0%
The actual rate of return
4.0% to 22.0%
The actual rate of return
If the basket appreciates by more than:
...the return will be:
12.0%
12.0%
22.0%
22.0%

The group of eight financial securities includes five national Canadian banks and three multi-national insurance companies.

GuaranteePlus Financial Securities

Past Performance**

Performance for GuaranteePlus Term Deposit
 Average annual returnMaximum annual return (current issue)
3 Year GuaranteePlus 3.27% 3.85%
5 Year GuaranteePlus 3.34% 4.06%
**The data presented is for informational purposes; past performance is not necessarily indicative of future results. Compound annual returns were calculated by applying the current features of the product over the last 200 3 and 5 year periods ending each month from 01/31/2003 to 08/30/2019. Current maximums are for the issue sales period of September 24, 2019 to November 25, 2019.

Current Performance

GuaranteePlus Term Deposit (Rates effective 2019-07-31)
Issue Date (agreement) Term Initial Index Level Index Level Cumulative Appreciation3 Max Appreciation at Maturity2
Jun 13, 2019 5 years 100.00 100.23 4.00% 22.0%
Jun 13, 2019 3 years 100.00 100.23 1.50% 12.0%
Apr 15, 2019 5 years 100.00 98.86 10.0% 25.0%
Apr 12, 2019 3 years 100.00 98.86 2.20% 12.0%
Feb 14, 2019 3 years 100.00 102.81 2.81% 12.0%
Feb 12, 2019 5 years 100.00 102.81 10.0% 25.0%
Dec 13, 2018 5 years 100.00 108.00 8.00% 20.0%
Dec 14, 2018 3 years 100.00 108.00 8.00% 12.0%
Oct 12, 2018 5 years 100.00 98.63 4.0% 20.0%
Oct 15, 2018 3 years 100.00 98.63 1.50% 12.0%
Aug 21, 2018 5 years 100.00 98.52 4.00% 22.0%
Aug 13, 2018 3 years 100.00 98.52 2.50% 12.0%
Jun 15, 2018 3 years 100.00 99.79 2.50% 12.0%
Jun 13, 2018 5 years 100.00 99.79 4.00% 22.0%
Apr 17, 2018 5 years 100.00 102.35 4.00% 22.0%
Apr 13, 2018 3 years 100.00 102.35 2.35% 12.0%
Feb 14, 2018 5 years 100.00 100.94 4.00% 22.0%
Feb 12, 2018 3 years 100.00 100.94 1.50% 10.0%
Dec 13, 2017 5 years 100.00 95.83 4.00% 20.0%
Dec 11, 2017 3 years 100.00 95.83 1.50% 10.0%
Oct 16, 2017 3 years 100.00 99.39 1.50% 10.0%
Oct 12, 2017 5 years 100.00 99.39 4.00% 20.0%
Aug 18, 2017 3 years 100.00 104.18 4.18% 10.0%
Aug 18, 2017 5 years 100.00 104.18 4.18% 20.0%
Jun 15, 2017 3 years 100.00 106.59 6.59% 10.0%
Jun 14, 2017 5 years 100.00 106.59 6.59% 20.0%
Apr 13, 2017 3 years 100.00 101.88 1.88% 10.0%
Apr 11, 2017 5 years 100.00 101.88 4.00% 20.0%
Feb 14, 2017 3 years 100.00 101.32 1.50% 10.0%
Feb 14, 2017 5 years 100.00 101.32 4.00% 20.0%
Dec 16, 2016 3 years 100.00 103.98 3.98% 12.0%
Dec 14, 2016 5 years 100.00 103.98 4.00% 22.0%
Oct 17, 2016 3 years 100.00 115.87 12.00% 12.0%
Oct 14, 2016 5 years 100.00 115.87 15.87% 22.0%
Aug 18, 2016 5 years 100.00 119.71 19.71% 22.0%
Jun 16, 2016 5 years 100.00 118.84 18.84% 22.0%
Apr 14, 2016 5 years 100.00 123.15 22.00% 22.0%
Feb 22, 2016 5 years 100.00 133.80 22.00% 22.0%
Dec 11, 2015 5 years 100.00 118.72 18.72% 22.0%
Oct 14, 2015 5 years 100.00 121.42 21.42% 22.0%
Aug 20, 2015 5 years 100.00 121.23 21.23% 22.0%
Jun 18, 2015 5 years 100.00 118.37 18.37% 22.0%
Apr 20, 2015 5 years 100.00 117.80 17.80% 22.0%
Feb 20, 2015 5 years 100.00 117.58 17.58% 22.0%
Dec 11, 2014 5 years 100.00 118.57 18.57% 22.0%
Oct 15, 2014 5 years 100.00 120.77 20.77% 22.0%
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Unless otherwise stipulated, all financial data are as at September 24, 2019.

The data presented for information purposes only.

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

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

3The indicated percentage represents the appreciation of the index in relation to its initial level. The appreciation takes into account the annual limits stipulated in the deposit agreement. The displayed return (not expressed as an annual compound return) shows the trend for the issue date indicated.

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