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.

Jump Rate Term Deposit* Rates
Jump Rate Term Deposit
0.70%
2-Year Escalator Term Deposit* (Rates effective Oct. 8, 2021) Rates
2-Year Escalator: year 1 annual interest
1.00%
2-Year Escalator: year 2 annual interest
1.40%
3-Year Escalator Term Deposit* Rates
3-Year Escalator: year 1 annual interest
1.00%
3-Year Escalator: year 2 annual interest
1.25%
3-Year Escalator: year 3 annual interest
1.65%
5-Year Escalator Term Deposit* Rates
5-Year Escalator: year 1 annual interest
1.00%
5-Year Escalator: year 2 annual interest
1.15%
5-Year Escalator: year 3 annual interest
1.30%
5-Year Escalator: year 4 annual interest
1.50%
5-Year Escalator: year 5 annual interest
2.00%
Short-term Non-Redeemable Term Deposits* (Rates effective 2020-11-05) 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
0.25%
Non-Redeemable: short-term, 180-269 days
0.30%
Non-Redeemable: short-term, 270-364 days
0.35%
Long-term Non-Redeemable Term Deposits* (Annual Interest) (Rates effective 2020-11-05) Rates
Non-Redeemable: long-term, 1 year, annual interest
0.70%
Non-Redeemable: long-term, 1.5 years, annual interest
0.75%
Non-Redeemable: long-term, 2 years, annual interest
0.80%
Non-Redeemable: long-term, 3 years, annual interest
0.90%
Non-Redeemable: long-term, 4 year, annual interest
1.00%
Non-Redeemable: long-term, 5 years, annual interest
1.10%
Long-term Non-Redeemable Term Deposits* (Monthly Interest, Non-registered only) Rates
Non-Redeemable: long-term, 1 year, monthly interest
0.45%
Non-Redeemable: long-term, 1.5 years, monthly interest
0.50%
Non-Redeemable: long-term, 2 years, monthly interest
0.55%
Non-Redeemable: long-term, 3 years, monthly interest
0.65%
Non-Redeemable: long-term, 4 years, monthly interest
0.75%
Non-Redeemable: long-term, 5 years, monthly interest
0.85%
FLEXterm Term Deposit* Rates
FLEXterm: annual interest
0.30%
Global Guarantee Term Deposit (Rates effective 2021-09-30)
Issue Date Term/Fixed Return Initial Index Level Index Level Cumulative Appreciation1 Max Appreciation at Maturity2
5 years
100.00
98.35
3.00%
11.00%
5 years
100.00
100.33
3.00%
11.00%
5 years
100.00
104.28
4.28%
11.00%
5 years
100.00
111.82
11.00%
11.00%
5 years
100.00
117.92
11.00%
11.00%
5 years
100.00
123.33
15.00%
15.00%
5 years
100.00
126.25
18.00%
18.00%
5 years
100.00
148.06
20.00%
20.00%
5 years
100.00
115.28
15.28%
20.00%
5 years
100.00
122.38
20.00%
20.00%
5 years
100.00
121.11
20.00%
20.00%
5 years
100.00
124.15
20.00%
20.00%
5 years
100.00
126.24
25.00%
25.00%
5 years
100.00
114.51
14.51%
19.00%
5 years
100.00
121.68
19.00%
19.00%
5 years
100.00
122.14
19.00%
19.00%
Global Performance Term Deposit (Rates effective 2021-09-30)
Issue Date Term/Fixed Return Initial Index Level Index Level Cumulative Appreciation3 Max Appreciation at Maturity2
5 years
100.00
99.57
0.00%
14.00%
5 years
100.00
100.84
3.35%
14.00%
5 years
100.00
107.95
14.00%
14.00%
5 years
100.00
116.75
14.00%
14.00%
5 years
100.00
119.14
13.13%
13.13%
5 years
100.00
126.26
14.00%
14.00%
5 years
100.00
123.33
19.00%
19.00%
5 years
100.00
126.25
22.00%
22.00%
5 years
100.00
148.06
30.00%
30.00%
5 years
100.00
115.28
28.00%
28.00%
5 years
100.00
122.17
26.00%
26.00%
5 years
100.00
121.11
28.00%
28.00%
5 years
100.00
124.15
30.00%
30.00%
5 years
100.00
126.24
29.75%
29.75%
GuaranteePlus Term Deposit (Rates effective 2021-09-30)
Issue Date Term/Fixed Return Initial Index Level Index Level Cumulative Appreciation3 Max Appreciation at Maturity2
3 years
100.00
100.03
1.00%
7.00%
5 years
100.00
100.03
3.00%
11.00%
5 years
100.00
99.05
3.00%
11.00%
3 years
100.00
99.05
1.00%
7.00%
5 years
100.00
105.50
5.50%
11.00%
3 years
100.00
105.50
5.50%
7.00%
3 years
100.00
118.85
8.00%
8.00%
5 years
100.00
118.85
11.00%
11.00%
5 years
100.00
120.53
11.00%
8.00%
3 years
100.00
120.53
8.00%
11.00%
3 years
100.00
137.79
8.00%
8.00%
5 years
100.00
137.79
15.00%
15.00%
3 years
100.00
141.72
8.00%
8.00%
5 years
100.00
141.72
16.50%
16.50%
3 years
100.00
142.25
12.00%
12.00%
5 years
100.00
142.25
25.00%
25.00%
3 years
100.00
160.01
12.00%
12.00%
5 years
100.00
160.01
25.00%
25.00%
5 years
100.00
111.93
11.93%
22.00%
3 years
100.00
111.93
11.93%
12.00%
3 years
100.00
115.56
12.00%
12.00%
5 years
100.00
115.56
15.56%
22.00%
5 years
100.00
119.48
20.68%
22.00%
3 years
100.00
119.48
12.00%
12.00%
5 years
100.00
125.29
22.00%
22.00%
3 years
100.00
125.29
12.00%
12.00%
3 years
100.00
122.10
12.00%
12.00%
5 years
100.00
122.10
22.00%
22.00%
5 years
100.00
120.31
20.31%
22.00%
3 years
100.00
120.31
12.00%
12.00%
3 years
100.00
125.13
12.00%
12.00%
5 years
100.00
125.13
25.00%
25.00%
3 years
100.00
131.43
12.00%
12.00%
5 years
100.00
131.43
20.00%
20.00%
5 years
100.00
120.06
20.00%
20.00%
5 years
100.00
120.07
20.07%
22.00%
5 years
100.00
121.92
21.92%
22.00%
5 years
100.00
124.94
22.00%
22.00%
5 years
100.00
123.25
22.00%
22.00%
5 years
100.00
116.99
16.99%
20.00%
5 years
100.00
121.36
20.00%
20.00%
5 years
100.00
127.03
20.00%
20.00%
5 years
100.00
130.05
20.00%
20.00%
5 years
100.00
124.08
20.00%
20.00%
5 years
100.00
123.61
20.00%
20.00%
5 years
100.00
124.94
20.00%
20.00%
5 years
100.00
126.84
22.00%
22.00%
American Diversified Term Deposit (Rates effective 2021-09-30)
Issue Date Term/Fixed Return Initial Index Level Index Level Cumulative Appreciation1 Max Appreciation at Maturity2
5 years
100.00
137.03
37.03%
50.00%
5 years
100.00
145.21
45.21%
50.00%
5 years
100.00
145.43
45.00%
45.00%
5 years
100.00
138.67
38.67%
42.00%
5 years
100.00
135.01
24.00%
24.00%
5 years
100.00
140.81
24.00%
24.00%
5 years
100.00
146.28
27.00%
27.00%
5 years
100.00
149.89
24.00%
24.00%
5 years
100.00
144.77
22.00%
22.00%
5 years
100.00
164.44
14.50%
14.50%
5 years
100.00
160.25
14.50%
14.50%
5 years
100.00
167.80
13.00%
13.00%
5 years
100.00
168.31
22.00%
22.00%
Global Diversified Term Deposit (Rates effective 2021-09-30)
Issue Date Term/Fixed Return Initial Index Level Index Level Cumulative Appreciation Max Appreciation at Maturity
5 years
100.00
92.33
8.00%
19.00%
5 years
100.00
98.09
8.00%
19.00%
5 years
100.00
128.43
19.00%
19.00%
5 years
100.00
134.04
18.00%
18.00%
5 years
100.00
138.96
20.00%
20.00%
5 years
100.00
98.43
8.00%
19.00%
5 years
100.00
136.56
18.00%
18.00%
5 years
100.00
127.00
27.00%
30.00%
5 years
100.00
153.68
20.00%
20.00%
5 years
100.00
154.30
28.00%
28.00%
5 years
100.00
128.61
20.00%
20.00%
3 years
100.00
145.54
20.00%
20.00%
5 years
100.00
146.54
20.00%
20.00%
5 years
100.00
146.85
28.00%
28.00%
5 years
100.00
152.49
20.00%
20.00%
5 years
100.00
153.01
13.00%
13.00%
5 years
100.00
157.37
22.00%
22.00%
Registered Savings Accounts* Rates
RRSP Savings
0.10%
TFSA Savings
0.10%
RESP Growth Savings
0.10%
RDSP Savings
0.10%
RRIF Savings
0.10%
USD Non-Redeemable Term Deposits* Rates
USD Non-Redeemable: 30-59 days, interest at maturity
0.05%
USD Non-Redeemable: 60-89 days, interest at maturity
0.05%
USD Non-Redeemable: 90-179 days, interest at maturity
0.05%
USD Non-Redeemable: 180-269 days, interest at maturity
0.07%
USD Non-Redeemable: 270-364 days, interest at maturity
0.08%
USD Non-Redeemable: 1 year, interest at maturity
0.10%
USD Non-Redeemable: 1.5 year, interest at maturity
0.12%
USD Non-Redeemable: 2 year, interest at maturity
0.15%
USD Non-Redeemable: 3 year, interest at maturity
0.35%
USD Non-Redeemable: 4 year, interest at maturity
0.60%
USD Non-Redeemable: 5 year, interest at maturity
0.85%

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

‡ Deposits are 100% guaranteed. Protection provided by the Credit Union Deposit Insurance Corporation of British Columbia.

1 The 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.