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    • Term Deposit Rates

    TERM DEPOSIT RATES

    All CAD terms are RRSP, FHSA, TFSA & RESP eligible.

    Minimum Deposit Required:

    • $1000
    • RRSP - $500
    • FHSA - $500
    • RESP - $100
     

    Short Term

    (RATES EFFECTIVE 2025-04-15) 

    List of rates for REDEEMABLE TERM DEPOSITS (WITH PENALTY)
    REDEEMABLE TERM DEPOSITS (WITH PENALTY) Rate
    30- 59 days
    0.40
    60-89 Days
    0.60
    90-119 Days
    0.75
    120-179 Days
    1.15
    180-269 Days
    1.75
    270-364 Days
    2.00
     

    (RATES EFFECTIVE 2023-07-07) 

    List of rates for SHORT TERM NON-REDEEMABLE TERM DEPOSITS
    SHORT TERM NON-REDEEMABLE TERM DEPOSITS Rate
    30- 59 days
    0.75
    60-89 Days
    1.25
    90-119 Days
    1.50
    120-179 Days
    1.75
    180-269 Days
    2.25
    270-364 Days
    2.50
     
    • 30 day to two year redeemable terms may be redeemed at a discount 29 days after the date of deposit
    • Short terms and 1 year terms pay interest at maturity date

    Members have the option to have this interest paid into their account or back into their term.

    All rates subject to change without notice.

     

    Long Term

    (RATES EFFECTIVE 2025-04-15) 

    List of rates for LONG TERM REDEEMABLE TERM DEPOSITS
    LONG TERM REDEEMABLE TERM DEPOSITS Rate
    1 Year
    2.25
    18 Month
    2.30
    2 Years
    2.35
    3 Years
    2.45
    4 Years
    2.55
    5 Years
    2.75
     

    (RATES EFFECTIVE 2025-02-18) 

    List of rates for LONG TERM NON-REDEEMABLE TERM DEPOSITS
    LONG TERM NON-REDEEMABLE TERM DEPOSITS Rate
    1 Year
    2.65
    18 Month
    2.70
    18 Month Variable Convertible Non-Redeemable
    2.95
    2 Years
    2.80
    3 Years
    2.85
    4 Years
    2.90
    5 Years
    2.95
    • 30 day to two year redeemable terms may be redeemed at a discount 29 days after the date of deposit
    • Three to five year redeemable term deposits will have a discount if redeemed within 364 days 
    • Short terms and 1 year terms pay interest at maturity date
    • Two to five year terms pay interest annually on the anniversary date

    Members have the option to have this interest paid into their account or back into their term.

    All rates subject to change without notice.

     

    Escalator Term Deposits

    (RATES EFFECTIVE 2025-02-18) 

    List of rates for 3 YEAR REDEEMABLE ESCALATOR TERM DEPOSIT
    3 YEAR REDEEMABLE ESCALATOR TERM DEPOSIT Rate
    Escalating Term Deposit - 3 Yr Investment, Year 1
    2.00
    Escalating Term Deposit - 3 Yr Investment, Year 2
    2.20
    Escalating Term Deposit - 3 Yr Investment, Year 3
    3.30
     

    (RATES EFFECTIVE 2024-12-12) 

    List of rates for 3 YEAR NON- REDEEMABLE ESCALATOR TERM DEPOSIT
    3 YEAR NON- REDEEMABLE ESCALATOR TERM DEPOSIT Rate
    Escalating Term Deposit - 3 Yr Investment, Year 1
    2.20
    Escalating Term Deposit - 3 Yr Investment, Year 2
    2.50
    Escalating Term Deposit - 3 Yr Investment, Year 3
    3.40
     

    (RATES EFFECTIVE 2023-10-23) 

    List of rates for 5 YEAR REDEEMABLE ESCALATOR TERM DEPOSIT
    5 YEAR REDEEMABLE ESCALATOR TERM DEPOSIT Rate
    Escalating Term Deposit - 5 Yr Investment, Year 1
    2.50
    Escalating Term Deposit - 5 Yr Investment, Year 2
    2.60
    Escalating Term Deposit - 5 Yr Investment, Year 3
    2.80
    Escalating Term Deposit - 5 Yr Investment, Year 4
    3.10
    Escalating Term Deposit - 5 Yr Investment, Year 5
    3.50
     

    (RATES EFFECTIVE 2023-10-23) 

    List of rates for 5 YEAR NON- REDEEMABLE ESCALATOR TERM DEPOSIT
    5 YEAR NON- REDEEMABLE ESCALATOR TERM DEPOSIT Rate
    Escalating Term Deposit - 5 Yr Investment, Year 1
    2.55
    Escalating Term Deposit - 5 Yr Investment, Year 2
    2.60
    Escalating Term Deposit - 5 Yr Investment, Year 3
    2.85
    Escalating Term Deposit - 5 Yr Investment, Year 4
    3.15
    Escalating Term Deposit - 5 Yr Investment, Year 5
    3.60
     

    TFSA

    (RATES EFFECTIVE 2025-03-06) 

    List of rates for TFSA TERM DEPOSITS
    TFSA TERM DEPOSITS Rate
    1 Year Non-Redeemable
    2.70
    18 Month Non-Redeemable
    2.75
    18 Month Variable Non-Redeemable
    2.95
    2 Years Non-Redeemable
    2.80
    3 Years Non-Redeemable
    2.85
    4 Years Non-Redeemable
    2.90
    5 Years Non-Redeemable
    2.95
     
    List of rates for SAVINGS RATE OPTION
    SAVINGS RATE OPTION Rate
    Variable Rate
    1.10
     

    All rates subject to change without notice.

     

    USD Short Term

    (RATES EFFECTIVE 2022-12-08) 

    List of rates for U.S. TERM DEPOSITS SHORT TERM REDEEMABLE
    U.S. TERM DEPOSITS SHORT TERM REDEEMABLE Rate
    30- 59 days
    0.35
    60-89 Days
    0.60
    90-119 Days
    0.70
    120-179 Days
    0.85
    180-269 Days
    1.10
    270-364 Days
    1.35
     

    (RATES EFFECTIVE 2022-12-08) 

    List of rates for U.S. TERM DEPOSITS SHORT TERM NON-REDEEMABLE
    U.S. TERM DEPOSITS SHORT TERM NON-REDEEMABLE Rate
    30- 59 days
    1.00
    60-89 Days
    1.25
    90-119 Days
    1.35
    120-179 Days
    1.50
    180-269 Days
    1.75
    270-364 Days
    2.00
     

    All rates subject to change without notice.

     

    USD Long Term

    (RATES EFFECTIVE 2022-12-08)

    List of rates for U.S. TERM DEPOSITS LONG TERM REDEEMABLE
    U.S. TERM DEPOSITS LONG TERM REDEEMABLE Rate
    1 Year
    2.35
    2 Years
    2.60
    3 Years
    2.80
    4 Years
    2.85
    5 Years
    3.00
     

    (RATES EFFECTIVE 2025-02-18) 

    List of rates for U.S. TERM DEPOSITS LONG TERM NON-REDEEMABLE
    U.S. TERM DEPOSITS LONG TERM NON-REDEEMABLE Rate
    1 Year
    2.75
    2 Years
    3.00
    3 Years
    3.15
    4 Years
    3.20
    5 Years
    3.25
     

    Products, features and rates are subject to change without notice. In the event of a discrepancy between the rates posted on this website and the official rates posted in our branches, the latter shall prevail.

     

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