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Term Deposit Rates

Invest with a Term Deposit

Invest with confidence.

With investment periods from as short as 30 days to up to 5 years, our term deposits will match your savings timelines.

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Jump Rate Term Deposit Rates
Jump Rate 1.55%
2-Year Escalator Term Deposit Rates
2-Year Escalator: year 1 annual interest 1.70%
2-Year Escalator: year 2 annual interest 3.00%
3-Year Escalator Term Deposit Rates
3-Year Escalator: year 1 annual interest 2.00%
3-Year Escalator: year 2 annual interest 2.20%
3-Year Escalator: year 3 annual interest 3.00%
5-Year Escalator Term Deposit Rates
5-Year Escalator: year 1 annual interest 1.80%
5-Year Escalator: year 2 annual interest 2.20%
5-Year Escalator: year 3 annual interest 2.40%
5-Year Escalator: year 4 annual interest 2.75%
5-Year Escalator: year 5 annual interest 3.35%
Short-term Non-Redeemable Term Deposits Rates
Non-Redeemable: short-term, 30-59 days 0.15%
Non-Redeemable: short-term, 60-89 days 0.20%
Non-Redeemable: short-term, 90-179 days 0.30%
Non-Redeemable: short-term, 180-269 days 0.40%
Non-Redeemable: short-term, 270-364 days 0.50%
Long-term Non-Redeemable Term Deposits (Annual Interest) Rates
Non-Redeemable: long-term, 1 year, annual interest 1.50%
Non-Redeemable: long-term, 1.5 years, annual interest 1.60%
Non-Redeemable: long-term, 2 years, annual interest 1.70%
Non-Redeemable: long-term, 3 years, annual interest 1.80%
Non-Redeemable: long-term, 4 year, annual interest 1.90%
Non-Redeemable: long-term, 5 years, annual interest 2.25%
Long-term Non-Redeemable Term Deposits (Monthly Interest, Non-registered only) Rates
Non-Redeemable: long-term, 1 year, monthly interest 1.25%
Non-Redeemable: long-term, 1.5 years, monthly interest 1.35%
Non-Redeemable: long-term, 2 years, monthly interest 1.45%
Non-Redeemable: long-term, 3 years, monthly interest 1.55%
Non-Redeemable: long-term, 4 years, monthly interest 1.65%
Non-Redeemable: long-term, 5 years, monthly interest 2.00%
Long-term Redeemable Term Deposits Rates
Redeemable: long-term, 1 year 0.60%
Redeemable: long-term, 2 years 0.70%
Redeemable: long-term, 3 years 0.90%
Redeemable: long-term, 4 years 1.00%
Redeemable: long-term, 5 years 1.35%
FLEXterm Term Deposit Rates
FLEXterm: annual interest 1.25%
Global Guarantee Term Deposit (Rates effective 2019-06-28)
Issue Date (deposit agreement) Term/Fixed Return Initial Index Level Index Level Cumulative Appreciation1 Max Appreciation at Maturity2
Jun 13, 2019 5 years 100.00 100.58 8.00% 25.0%
Global Performance Term Deposit (Rates effective 2019-06-28)
Issue Date (agreement) Term Initial Index Level Index Level Cumulative Appreciation3 Max Appreciation at Maturity2
Jun 14, 2019 5 years 100.00 100.58 2.02% 29.75%
GuaranteePlus Term Deposit (Rates effective 2019-06-28)
Issue Date (agreement) Term Initial Index Level Index Level Cumulative Appreciation3 Max Appreciation at Maturity2
Jun 13, 2019 5 years 100.00 100.20 4.00% 22.0%
Jun 13, 2019 3 years 100.00 100.20 1.50% 12.0%
Apr 15, 2019 5 years 100.00 98.80 10.0% 25.0%
Apr 12, 2019 3 years 100.00 98.80 2.20% 12.0%
Feb 14, 2019 3 years 100.00 102.80 2.80% 12.0%
Feb 12, 2019 5 years 100.00 102.80 10.0% 25.0%
Dec 13, 2018 5 years 100.00 107.96 7.96% 20.0%
Dec 14, 2018 3 years 100.00 107.96 7.96% 12.0%
Oct 12, 2018 5 years 100.00 98.58 4.0% 20.0%
Oct 15, 2018 3 years 100.00 98.58 1.50% 12.0%
Aug 21, 2018 5 years 100.00 98.47 4.00% 22.0%
Aug 13, 2018 3 years 100.00 98.47 2.50% 12.0%
Jun 15, 2018 3 years 100.00 99.69 2.50% 12.0%
Jun 13, 2018 5 years 100.00 99.69 4.00% 22.0%
Apr 17, 2018 5 years 100.00 102.25 4.00% 22.0%
Apr 13, 2018 3 years 100.00 102.25 2.25% 12.0%
Feb 14, 2018 5 years 100.00 100.84 4.00% 22.0%
Feb 12, 2018 3 years 100.00 100.84 1.50% 10.0%
Dec 13, 2017 5 years 100.00 95.75 4.00% 20.0%
Dec 11, 2017 3 years 100.00 95.75 1.50% 10.0%
Oct 16, 2017 3 years 100.00 99.27 1.50% 10.0%
Oct 12, 2017 5 years 100.00 99.27 4.00% 20.0%
Aug 18, 2017 3 years 100.00 104.04 4.04% 10.0%
Aug 18, 2017 5 years 100.00 104.04 4.04% 20.0%
Jun 15, 2017 3 years 100.00 106.46 6.46% 10.0%
Jun 14, 2017 5 years 100.00 106.46 6.46% 20.0%
Apr 13, 2017 3 years 100.00 101.74 1.74% 10.0%
Apr 11, 2017 5 years 100.00 101.74 4.00% 20.0%
Feb 14, 2017 3 years 100.00 101.17 1.50% 10.0%
Feb 14, 2017 5 years 100.00 101.17 4.00% 20.0%
Dec 16, 2016 3 years 100.00 103.83 3.83% 12.0%
Dec 14, 2016 5 years 100.00 103.83 4.00% 22.0%
Oct 17, 2016 3 years 100.00 115.71 12.00% 12.0%
Oct 14, 2016 5 years 100.00 115.71 15.71% 22.0%
Aug 19, 2016 3 years 100.00 119.07 12.00% 12.0%
Aug 18, 2016 5 years 100.00 119.56 19.56% 22.0%
Jun 17, 2016 3 years 100.00 121.09 12.00% 12.0%
Jun 16, 2016 5 years 100.00 118.64 18.64% 22.0%
Apr 14, 2016 5 years 100.00 122.94 22.00% 22.0%
Feb 22, 2016 5 years 100.00 133.56 22.00% 22.0%
Dec 11, 2015 5 years 100.00 118.52 18.52% 22.0%
Oct 14, 2015 5 years 100.00 121.24 21.24% 22.0%
Aug 20, 2015 5 years 100.00 121.03 21.03% 22.0%
Jun 18, 2015 5 years 100.00 118.14 18.14% 22.0%
Apr 20, 2015 5 years 100.00 117.59 17.59% 22.0%
Feb 20, 2015 5 years 100.00 117.37 17.37% 22.0%
Dec 11, 2014 5 years 100.00 118.37 18.37% 22.0%
Oct 15, 2014 5 years 100.00 120.57 20.57% 22.0%
Aug 19, 2014 5 years 100.00 119.87 19.87% 22.0%
American Diversified Term Deposit (Rates effective 2019-06-28)
Issue Date (deposit agreement) Term/Fixed Return Initial Index Level Index Level Cumulative Appreciation1 Max Appreciation at Maturity2
Apr 15, 2019 5 years 100.00 103.06 3.06% 50.00%
Feb 12, 2019 5 years 100.00 109.26 9.26% 50.00%
Dec 13, 2018 5 years 100.00 109.65 9.65% 45.00%
Oct 12, 2018 5 years 100.00 105.37 5.37% 42.00%
Aug 21, 2018 5 years 100.00 108.80 8.80% 24.00%
Jun 13, 2018 5 years 100.00 109.78 9.78% 24.00%
Apr 17, 2018 5 years 100.00 116.76 16.76% 27.00%
Feb 14, 2018 5 years 100.00 119.46 19.46% 24.00%
Dec 13, 2017 5 years 100.00 115.28 15.28% 22.00%
Jun 14, 2017 5 years 100.00 130.26 14.50% 14.50%
Apr 11, 2017 5 years 100.00 127.74 14.50% 14.50%
Feb 14, 2017 5 years 100.00 133.64 13.00% 13.0%
Dec 14, 2016 5 years 100.00 133.38 21.84% 22.0%
Oct 14, 2016 5 years 100.00 138.53 22.00% 22.0%
Aug 18, 2016 5 years 100.00 133.38 22.00% 22.0%
Jun 16, 2016 5 years 100.00 137.29 22.00% 22.0%
Apr 12, 2016 5 years 100.00 143.29 22.00% 22.0%
Feb 17, 2016 5 years 100.00 157.91 22.00% 22.0%
American Index-Linked Term Deposit (Rates effective 2019-06-28)
Issue Date (deposit agreement) Term/Fixed Return Initial Index Level Index Level Cumulative Appreciation1 Max Appreciation at Maturity2
Dec 9, 2015 5 years 2079.51 2941.76 16.50% 16.5%
Oct 16, 2015 5 years 2014.89 2941.76 19.0% 19.0%
Aug 18, 2015 5 years 2086.05 2941.76 25.00% 25.0%
Jun 16, 2015 5 years 2105.20 2941.76 19.00% 19.0%
Apr 21, 2015 5 years 2102.06 2941.76 20.00% 20.0%
Feb 18, 2015 5 years 2068.53 2941.76 21.19% 23.0%
Global Diversified Term Deposit (Rates effective 2019-06-28)
Issue Date (deposit agreement) Term/Fixed Return Initial Index Level Index Level Cumulative Appreciation1 Max Appreciation at Maturity2
Apr 10, 2019 5 years 100.00 101.83 8.00% 19.0%
Feb 22, 2019 5 years 100.00 108.04 8.04% 19.0%
Dec 13, 2018 5 years 100.00 108.46 8.46% 19.0%
Oct 16, 2018 5 years 100.00 109.18 9.18% 19.0%
Jun 14, 2018 5 years 100.00 113.75 13.75% 18.0%
Apr 18, 2018 5 years 100.00 117.58 17.58% 20.0%
Feb 16, 2018 5 years 100.00 115.20 15.20% 18.0%
Dec 14, 2017 5 years 100.00 107.26 7.26% 30.0%
Oct 17, 2017 5 years 100.00 108.95 8.95% 20.0%
Aug 22, 2017 5 years 100.00 114.98 14.98% 20.0%
Jun 16, 2017 5 years 100.00 115.28 15.28% 20.0%
Apr 18, 2017 5 years 100.00 115.76 15.76% 28.0%
Feb 15, 2017 5 years 100.00 121.11 13.00% 13.0%
Dec 13, 2016 5 years 100.00 124.40 22.00% 22.0%
Oct 18, 2016 5 years 100.00 128.24 22.00% 22.0%
Aug 19, 2016 5 years 100.00 123.53 22.00% 22.00%
Jun 17, 2016 5 years 100.00 123.03 20.00% 20.0%
Apr 19, 2016 5 years 100.00 131.45 19.00% 19.0%
Feb 19, 2016 5 years 100.00 141.23 19.0% 19.0%
Dec 15, 2015 5 years 100.00 126.25 16.5% 16.5%
Oct 15, 2015 5 years 100.00 127.64 19.00% 19%
Aug 19, 2015 5 years 100.00 125.18 16.00% 16%
Jun 17, 2015 5 years 100.00 125.52 19.00% 19%
Apr 21, 2015 5 years 100.00 115.29 15.29% 20%
Feb 19, 2015 5 years 100.00 116.14 16.14% 23%
Dec 11, 2014 5 years 100.00 120.58 20.58% 23%
Oct 15, 2014 5 years 100.00 129.71 23.00% 23%
Aug 21, 2014 5 years 100.00 131.61 21.16% 23%
Registered Savings Accounts Rates
RRSP Savings 0.25%
TFSA Savings 0.75%
RESP Growth Savings 0.75%
RDSP Savings 0.75%
RRIF Savings 0.25%
USD Non-Redeemable Term Deposits Rates
Non-Redeemable: 30-59 days, interest at maturity 0.35%
Non-Redeemable: 60-89 days, interest at maturity 0.40%
Non-Redeemable: 90-179 days, interest at maturity 0.45%
Non-Redeemable: 180-269 days, interest at maturity 0.60%
Non-Redeemable: 270-364 days, interest at maturity 0.65%
Non-Redeemable: 1 year, interest at maturity 0.75%
Non-Redeemable: 1.5 year, interest at maturity 0.90%
Non-Redeemable: 2 year, interest at maturity 1.00%
Non-Redeemable: 3 year, interest at maturity 1.15%
Non-Redeemable: 4 year, interest at maturity 1.30%
Non-Redeemable: 5 year, interest at maturity 1.60%

† 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.

1The 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. Your capital is guaranteed but the return may be nil. The displayed return (not expressed as an annual compound return) shows the trend for the issue date indicated.

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

3 The indicated percentage represents the appreciation of the index in relation to its initial level. This appreciation takes into account the characteristics of each indexed term savings product: it was raised for issues with a participation rate over 100%, and also considers participation rates that are lower than the index growth, if applicable. The appreciation also takes into account, if applicable, the annual higher and lower limits stipulated in the deposit agreement. Your capital is guaranteed but the return may be nil. The return indicated (not expressed as an annual compound return) illustrates the trends of the various issues.

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