Invest with confidence


With both short-term and long-term investment periods from 30 days to up to 5 years, our term deposits will match your savings timelines while providing you with competitive interest rates. Contact us to determine the best term deposit for you.

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Take your savings to the next level

Lock in a great rate now and enjoy higher rates starting in year two. Earn 4.0% in the first year, increased automatically to 4.5% in the second year of your investment.^

  • Option to redeem funds after the first anniversary, or earn a higher rate for another year
  • Registered accounts include RRSP, RRIF, RESP, TFSA or RDSP
  • Choose to renew or reinvest at maturity 
  • Deposits 100% guaranteed†
  • $100 minimum
Learn More
Jump Rate Term Deposit*Rates
Jump Rate Term Deposit
4.30%
2-Year Escalator Term Deposit*Rates
2-Year Escalator: year 1 annual interest
4.00%
2-Year Escalator: year 2 annual interest
4.50%
3-Year Escalator Term Deposit*Rates
3-Year Escalator: year 1 annual interest
4.10%
3-Year Escalator: year 2 annual interest
4.20%
3-Year Escalator: year 3 annual interest
4.30%
5-Year Escalator Term Deposit*Rates
5-Year Escalator: year 1 annual interest
3.90%
5-Year Escalator: year 2 annual interest
3.95%
5-Year Escalator: year 3 annual interest
4.00%
5-Year Escalator: year 4 annual interest
4.05%
5-Year Escalator: year 5 annual interest
4.10%
Short-term Non-Redeemable Term Deposits*Rates
Non-Redeemable Term Deposit: short-term, 30-59 days
2.20%
Non-Redeemable Term Deposit: short-term, 60-89 days
2.40%
Non-Redeemable Term Deposit: short-term, 90-179 days
2.70%
Non-Redeemable Term Deposit: short-term, 180-269 days
3.50%
Non-Redeemable Term Deposit: short-term, 270-364 days
3.60%
Long-term Non-Redeemable Term Deposits* (Annual Interest) Call Us to Discuss More Flexible OptionsRates
Non-Redeemable Term Deposit: long-term, 1 year, annual interest
4.65%
Non-Redeemable Term Deposit: long-term, 1.5 yr, annual interest
4.50%
Non-Redeemable Term Deposit: long-term, 2 year, annual interest
4.30%
Non-Redeemable Term Deposit: long-term, 3 year, annual interest
4.20%
Non-Redeemable Term Deposit: long-term, 4 year, annual interest
4.10%
Non-Redeemable Term Deposit: long-term, 5 year, annual interest
4.10%
Long-term Non-Redeemable Term Deposits* (Monthly Interest, Non-registered only)Rates
Non-Redeemable: long-term, 1 year, monthly interest
4.60%
Non-Redeemable: long-term, 1.5 years, monthly interest
4.40%
Non-Redeemable: long-term, 2 years, monthly interest
4.20%
Non-Redeemable: long-term, 3 years, monthly interest
4.10%
Non-Redeemable: long-term, 4 years, monthly interest
4.00%
Non-Redeemable: long-term, 5 years, monthly interest
4.00%
FLEXterm Term DepositRates
1-Year Redeemable FLEXterm: Annual Interest
3.00%
2-Year Redeemable FLEXterm: Annual Interest
4.10%
Registered Savings Accounts*Rates
TFSA Savings
0.10%
RRSP Savings
0.10%
RRIF Savings
0.10%
RESP Savings
0.10%
RDSP Savings
0.10%
FHSA Savings
5.10%
USD Non-Redeemable Term Deposits*Rates
USD Non-Redeemable: 30-59 days, interest at maturity
0.30%
USD Non-Redeemable: 60-89 days, interest at maturity
0.45%
USD Non-Redeemable: 90-179 days, interest at maturity
0.60%
USD Non-Redeemable: 180-269 days, interest at maturity
1.10%
USD Non-Redeemable: 270-364 days, interest at maturity
1.35%
USD Non-Redeemable: 1 year, interest at maturity
1.75%
USD Non-Redeemable: 1.5 year, interest at maturity
2.00%
USD Non-Redeemable: 2 year, interest at maturity
2.45%
USD Non-Redeemable: 3 year, interest at maturity
2.75%
USD Non-Redeemable: 4 year, interest at maturity
3.00%
USD Non-Redeemable: 5 year, interest at maturity
3.20%