Term Deposits

A Guaranteed Way To Save

There are few guarantees in life, so your Credit Union offers a variety of term deposits with a guaranteed return and competitive rates. Certificate terms range from 30 days to 5 years and offer very competitive rates. They earn higher interest than a regular savings account and are eligible for registered plan investments.

Become a REWARDS member by simply having your total pay or pension deposited to a Credit Union chequing account, and you will earn even more in interest with higher rates.


  • They're secure! Your investment has a guaranteed return and is protected by the Deposit Insurance Corporation of Ontario for all Canadian dollar deposits up to $250,000
  • Competitive rates!
  • Low minimum balance! Only $1,000
  • Convenient term lengths! Certificates range from 30 days to 5 years
  • Interest is paid at maturity on term deposits one year and less
  • Two- to-five-year term deposits are paid interest annually (interest can compound in the term deposit or be deposited directly into a Credit Union account of your choice)
  • Funds cannot be withdrawn before maturity, however, preferred interest rate loans are available

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