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​​​Invest worry-free with a term deposit.

​​Term Deposits (also known as Guaranteed Investment Certificates, or GICs) are perfect for anyone looking for a safe investment with a guaranteed rate of return. You can choose terms between 1 and 5 years and are rewarded with a higher rate than most conventional savings accounts. 


Index-Linked Term Deposit*

​​Performance driven
Index-Linked Term Deposits are fixed term deposits that pay a return based on the performance of the S&P/TSX 60 Index**

Index-Linked Term deposits have the security of principal protection. No matter what happens to the stock market, you are guaranteed the return of your principal when your deposit matures.


  • 100% principal protection
  • Provincial deposit insurance
  • RRSP and TFSA eligible
  • No fees or commissions

​*some conditions may apply
**past performance of the Index does not guarantee future performance. The return on deposit will fluctuate in relation to the performance of the stocks underlying the Index. The value of the Index used to determine the return on the Index-linkeds term Deposit will be determined by the Credit Union Central of Ontario Limited or its designee.

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Term Deposit Application

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  • Use in registered and non-registered accounts
  • Earn annual interest
  • Benefit from Credit Union Deposit Insurance 
*Rates subject to change without notice.


​Take a look at our latest and greatest term deposit rates.

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​​Helpful articles and resources


​​Whether you're investing for retirement, a mortgage down payment or an education fund, our expert investment team will tailor their advice to help.

​​​​Learn more about Financial Services Regulatory Authority of Ontario (FSRA).