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Term Deposits

Get a better rate of return than your savings or chequing account. 

 

Term deposit features

No fees

Fixed rate GIC

Guaranteed interest rate paid monthly or annually

Withdraw or reinvest your earnings at the end of the term

Option to compound earned interest

Terms from 30 days to 5 years

Got questions or need help finding the right term deposit for you?

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Explore our term deposit options

Real™ Savings Term Deposit

Overview

Designed for those who are looking for a secure investment, higher rates and the flexibility to withdraw on each anniversary with lesser penalty. 

Key features
  • No fees 
  • Fixed rate GIC 
  • Term lengths from 1 to 5 years, with a minimum initial investment of $5,000 
  • Cashable on each anniversary subject to 1 % penalty
  • Guaranteed interest rate paid monthly or annually
  • Withdraw or reinvest your earnings at the end of the term
  • Option to compound earned interest

Redeemable Term Deposit

Overview

Designed for those looking for a secure shorter-term investment or flexibility to withdraw early while still earning interest. 

Key features
  • No fees 
  • Fixed rate GIC 
  • Term lengths from 30 days to 1 year, with a minimum initial investment of $1,000 
  • Guaranteed interest rate paid monthly or annually
  • Withdraw or reinvest your earnings at the end of the term 
  • Option to compound earned interest

Non-redeemable Term Deposit

Overview

Designed for those looking for a secure longer investment horizon at a higher rate.

Key features
  • No fees 
  • Fixed rate GIC 
  • Term lengths from 3 months to 5 years, with a minimum initial investment of $1,000
  • Guaranteed interest rate paid monthly or annually
  • Withdraw or reinvest your earnings at the end of the term
  • Option to compound earned interest

Non-redeemable Small Savers Term Deposit

Overview

Designed for junior members starting out their investment journey.

Key features
  • No fees 
  • Fixed rate GIC 
  • Term lengths from 3 to 5 years, with a minimum initial investment of $100
  • Guaranteed interest rate paid monthly or annually
  • Withdraw or reinvest your earnings at the end of the term
  • Option to compound earned interest

USD Term Deposit Non-redeemable

Overview

Designed for those looking for a secure investment of their US funds. 

Key features
  • No fees 
  • Fixed rate GIC 
  • Term lengths from 1 months to 2 years, with a minimum initial investment of $10,000 
  • Guaranteed interest rate paid monthly or annually
  • Withdraw or reinvest your earnings at the end of the term
  • Option to compound earned interest
 
 
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Loan calculator

How much can you borrow and what would your repayment schedule be like?

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Term deposit rates

Check out the competitive mortgage rates we have to offer.

 
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Discover more ways to invest

Browse through a wide variety of investment products designed to fit your individual needs.

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