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Diversified Term Savings

A simple way to ladder your maturities

  • Capital 100% guaranteed, divided into equal portions
    • 3 portions: terms of 1 to 3 years
    • 4 portions: terms of 1 to 4 years
    • 5 portions: terms of 1 to 5 years
  • 1 portion of your investment matures each year
  • Each portion earns interest at a different rate:
    • 1.20% to 1.60% (fixed and guaranteed until maturity)
    • Interest is paid at your choice of frequency

It's ideal if you:

  • stagger your maturities and earn returns over longer terms
  • require cash on an annual basis, because a portion of your invested capital matures each year

Interest rate

  • Fixed
  • Guaranteed until maturity
  • Interest is paid at your choice of frequency

See current rates of Diversified Term Savings

Minimum deposit

$1,000 per portion


High return on savings

Full or partial-redemption

  • Withdrawal of portions in whole or in part permitted
  • Additional investment permitted on renewal of a portion, in that portion only


  • Maturities are laddered to take advantage of changing interest rates
  • Deposit insurance: Learn more about deposit insurance (FAQ).
  • Savings-life insurance available.
  • Eligible for potential member dividends (RDSP ineligible).
    Learn more about member dividends.

1. Not available in Ontario.

  • Stable and secure: your capital and interest are guaranteed
  • Simple:
    • reduces risk by diversifying your maturities
    • a portion of the investment matures each year and you don't have to keep track of it
  • Flexible: you can cash in a portion or add to it when it comes up for renewal
  • Returns: can be higher, because the investment is based on long-term rates

Useful links

Diversified Term Savings
As of September 22, 2018
Term Rate
1 year 1.20%
3 years
5 years 1.60%

Minimum deposit: $1,000

Other terms