Why consider a market-linked term deposit

Market-linked term deposits are a good choice for you if:

  • You want no market risk
  • You want equity market returns
  • You do not need regular income from your investment
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How market-linked term deposits work

The rate of return calculation varies depending on the specific market-linked term deposit.

  • Determined by the average of market performance for the named basket of equities, based on specific evaluation dates.
  • Then compared to the starting value of the securities to determine the percentage change.
  • At maturity, the principal is returned, plus any market-related returns.

Some market-linked products offer a guaranteed minimum return in addition to principal protection. Others may offer an even greater earning potential but do not offer a guaranteed minimum (still with principal protection). 

Explore the right options for you

Thinking of making a market-linked term deposit part of your portfolio? BlueShore offers a variety of investment vehicles and opportunities to consider.

Comparing market-linked term deposits

  Global Performance Term Deposit GuaranteePlus Term Deposit GuaranteePlus Term Deposit Responsible Option Aggressive Guaranteed Term Deposit
Term (years) 5 3 5 3
Sales Period January 23, 2024 - March 18, 2024 January 23, 2024 - March 18, 2024 January 23, 2024 - March 18, 2024 January 23, 2024 - March 18, 2024
Next Issue Date April 16, 2024 April 16, 2024 April 12, 2024 April 16, 2024
Intro Period Interest Rate** 6.00% 6.00% 6.00% 6.00%
Minimum Guaranteed Return 0.00% 5.00% 10.00% 0.00%
Maximum Total Return 37.80% 30.00% 50.00% 34.00%
Investment Advisor, Niall Dempsey

Niall Dempsey

Investment Advisor

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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. 

Offer Terms: Market-Linked Term Deposit 

  • Minimum deposit of $500 for the Market Linked Term Deposit
  • Term length of 3 or 5 years (non-redeemable during the term)
  • b Eligible sales period between January 23, 2024 – March 18, 2024. The rate of return is determined by the cumulative performance of the basket of securities up to a maximum total return. The maximum total return on a Guaranteed Plus 5 year product is 50.0%. Additional products and returns can be viewed here .  
  • ** Interest accrues daily at the intro period bonus deposit rate  from the purchase date (sales period between January 23, 2024 - March 18, 2024), until the issue. Issue date for GuaranteePlus Term Deposit 5 Year Term is April 12, 2024. Issue date for GuaranteePlus 3 Year Term, Global Performance Term Deposit and Responsible Option Aggressive Guaranteed Term Deposit is April 16, 2024. Interest is paid to the client’s chequing or savings account and is not added to the balance of the market-linked term.  Rates are per annum and subject to change. Offered by BlueShore Financial Credit Union subject to terms and conditions.

Offer Terms: Welcome Bonus

aNew clients can earn the following welcome bonuses:

A) $200 when opening either a Premium or Unlimited Chequing account with: 

  1. direct deposit setup with 3 consecutive deposits (ie. payroll or pension), AND
  2. two pre-authorized payments have been completed within 120 days of account opening (ie. mortgage or rent payments), OR 
  3. two bill payments of at least $50 each completed within 120 days of account opening (ie. phone or utility bill).

B) another $200 when opening any RRSP, RRIF, RESP, TFSA, FHSA or RDSP account with at least $4,000 AND maintaining until May 31, 2024.

Cash bonus will be credited to the eligible chequing account by June 30, 2024. 

Welcome bonuses are available for a limited time and subject to change. Offered by BlueShore Financial Credit Union subject to terms and conditions.