Guaranteed fixed-rate investments

If you have funds you don't need right away, a term savings investment is a good way to help make this amount grow without risking your capital.

This can help you accumulate extra money that you can use toward a vacation, to take time off work or to save for retirement.

Features

• Principal 100% guaranteed.
• Short-, medium- or long-term investments.
• Set maturity date or term.
• A variety of interest payment options.
• Several terms available.
• Guaranteed interest rates.
• Eligible for TFSAs (some exceptions apply), RRSPs and other retirement savings plans.
• Some products entitle you to potential member dividends.

Term Savings	Make your savings grow while protected from the ups and downs of changing interest rates.
Traditional Guaranteed Investment Certificates	Secure investments that guarantee capital preservation.
Short-Term Deposits	Earn interest on funds saved for short-term projects or plans.
1-Year Cashable GICs (non-registered only)	Access funds at all times while your savings grow at an attractive rate.
20-Month Convertible Term Savings	Flexible savings product that allows you to take advantage of future rising interest rates.
Climbing-Rate Term Savings	Get higher returns with multiple interest rates that increase from year to year and are guaranteed until maturity.
U.S. Dollar Term Savings	Make your U.S. dollar savings grow while protected from the ups and downs of changing interest rates.