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You are here: Home > Personal > Savings and investment > Guaranteed fixed-rate investments > Term Savings
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Term Savings
Grow your money worry-free!
- Capital 100% guaranteed
- 1- to 5-year terms (online requests)
- 30-day to 10-year terms (phone and in-caisse requests)
- Fixed interest rate, guaranteed until maturity
- Ideal if you want security, competitive returns and regular income
- "A bird in the hand is worth two in the bush!"
Interest rate
- Fixed
- Based on the term selected
- Guaranteed for the full term1
Eligible plans
- Registered plans: TFSA, RRSP, FTA2, LIRA, locked-in RRSP, LIF and RDSP
- Non-registered plans
Minimum deposit
- $500 for registered plans
- $1,000 for non-registered plans
- $5,000 for terms of less than 1 year
Return
Gives you a competitive return on your savings
Other
- Also available in U.S. dollars. Deposits in U.S. currency are not insured by the Autorité des marchés financiers or by the Deposit Insurance Corporation of Ontario.
- Learn more about deposit insurance (FAQ).
- Eligible for potential member dividends (RDSP ineligible).
Find out more about member dividends. - Savings-Life Insurance available.
1. If the investment is held to maturity.
2. Not available in Ontario.
- Stable and secure: your capital and interest are guaranteed
- Peace of mind: no matter how the financial markets perform, you know what your return will be right from the start
- Predictable: it's easy to plan your budget because the income is paid to you regularly
Useful links
| Term | Rate |
|---|---|
| 1 year | 0.85% |
| 3 years | 1.15% |
| 5 years | 1.50% |
Minimum deposit: $1,000 (outside of RRSP)
Minimum deposit: $500 (RRSP)