2024 Retirement Term Deposit Offer - 2 Year Escalator Rate

Grow your retirement savings with confidence

Earn 4.8% in the first year on registered accounts or 4.7% in the first year on non-registered accounts, then 5.0% in the second year.

  • Registered accounts include RRSP, RRIF, RESP, TFSA or RDSP
  • Deposits 100% guaranteed
  • $100 minimum
  • New client Welcome Bonus of up to $400a

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Our term deposits provide:

  • A great way to earn higher interest on money you don't need for day-to-day expenses
  • A no-risk savings strategy with guaranteed principal
  • The option to consider term rates based partially or wholly on market performance, for higher potential growth
  • Term lengths from as short as 30 days up to 5 years
  • Low minimum deposits
  • Competitive interest rates
  • Deposits are 100% guaranteed†

Our financial experts will work with you to find the solution that best meets your needs.

Cherry blossoms

Short-Term Non-Redeemable

Guaranteed growth for as little as 30 days.

  • Laddered rate 30-364 days
  • $500 minimum RRSP, RRIF &
  • TFSA eligible

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Green leaf on a tree branch

Long-Term Non-Redeemable

Guaranteed growth over the long term.

  • Laddered rate
  • 1-5 years, $500 minimum
  • RRSP, RRIF, RESP, TFSA, RDSP & FHSA eligible

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Flower bud on branch

FLEXterm Term Deposit

Even small deposits can work harder.

  • 1- or 2-year options
  • $100 minimum
  • RRSP, RRIF, TFSA, FHSA eligible

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Fir tree branch

Jump Rate® Term Deposit

Flexibility with a guaranteed rate of return.

  • 18 months
  • $500 minimum
  • RRSP, RRIF, RESP, TFSA & RDSP eligible

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While flower growing by log

Escalator® Term Deposit

Growth that escalates over the long term.

  • Laddered rate
  • 2, 3 or 5 year terms
  • $100 minimum
  • RRSP, RRIF, RESP, TFSA, RDSP eligible

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Small leaves with water droplets on them

GuaranteePlus Term Deposit

Guaranteed return plus potential.

  • Market performance based rate
  • 3 or 5 years
  • $500 minimum
  • RRSP, RESP & TFSA eligible

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Stem of plant with water droplets

Global Performance Term Deposit

Growth based on international stocks.

  • Market performance-based rate
  • 5 years
  • $500 minimum
  • RRSP, RESP & TFSA eligible

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Image of a leaf with water droplets on it

Responsible Option Aggressive Guaranteed Term Deposit

ESG values for sustainable growth.

  • 3   year non-redeemable
  • $500 minimum
  • Higher potential return 

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Beautiful white flowers on a branch

U.S. Term Deposits

Guaranteed growth over the long term.

  • 30 days – 1 year
  • $500 minimum
  • Interest at maturity

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BlueShore Financial, Investment Advisor, Kelly Gares

Kelly Gares

Investment Advisor

Have a question? Ask an expert

Our team of experienced professionals are here to answer any questions you may have.

Deposits are 100% guaranteed by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC).

* Rates are subject to change without notice at any time.