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Global Guarantee 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
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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? Market-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. The rate of return (beyond the guaranteed minimum) for our Global Guarantee 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.

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:
3.0% to 11.0%
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 2.11% 2.11%
**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 01/30/2004 to 08/31/2020. Current maximums are for the issue sales period of September 22, 2020 to November 23, 2020.

Rates †

Global Guarantee Term Deposit (Rates effective 2020-08-31)
Issue Date (deposit agreement) Term/Fixed Return Initial Index Level Index Level Cumulative Appreciation1 Max Appreciation at Maturity2
Aug 11, 2020 5 years 100.00 101.61 4.00% 15.0%
Jun 10, 2020 5 years 100.00 102.42 6.00% 18.0%
Apr 9, 2020 5 years 100.00 119.30 19.30% 20.0%
Feb 14, 2020 5 years 100.00 94.07 7.00% 20.0%
Dec 10, 2019 5 years 100.00 100.04 7.00% 20.0%
Oct 10, 2019 5 years 100.00 95.97 7.00% 20.0%
Aug 15, 2019 5 years 100.00 98.59 7.00% 25.0%
Jun 13, 2019 5 years 100.00 100.22 8.00% 25.0%
Apr 10, 2019 5 years 100.00 97.97 8.00% 19.0%
Feb 22, 2019 5 years 100.00 104.06 8.00% 19.0%
Dec 13, 2019 5 years 100.00 104.45 8.00% 19.0%
Term Selector

Need more options?

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 September 22, 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.

**Past returns are no guarantee of future performance. Depending on actual performance of underlying assets, amount of interest has the potential to be nil.

Interest is compounded annually; paid at maturity.

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