• Regular A
  • Medium A
  • Large A

Online Banking

Global Diversified Term Deposit

Growth based on global stock performance.

Growth based on global stock performance.

  • Minimum return guaranteed
  • Additional return linked to market performance
  • $500 minimum
Apply now

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? Market-linked term deposits are a great "next step", and some, like our Global Diversified 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. The rate of return (beyond the guaranteed minimum) for our Global Diversified Term Deposit is dependent on the performance of a reference portfolio, comprised of 20 "name brand" global 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 ($500)
  • Term length of 5 years; non-redeemable
  • Interest is compounded annually; paid at maturity
  • Monthly online updates track performance
  • Deposits are 100% guaranteed*

How the rate of return is determined

As shown in the table below, you are guaranteed a minimum rate of return. Then, as the performance of the reference portfolio varies, so does your rate of return - up to the maximum rates indicated.

The Global Diversified 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

Term Selector

Need more options?

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

Select now

Unless otherwise stipulated, all financial data are as of January 29, 2019.

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

In order to provide you with the best experience on our website, we use cookies to personalize content and ads and to gather site analytics. By using our website, you agree to the use of cookies. If you would like more information, please refer to our privacy policy.