Safe & Secure
The Credit Union Deposit Insurance Corporation of British Columbia (CUDIC) fully guarantees all eligible deposits.
Flexible
Redeemable or non-redeemable? Registered or non-registered. It’s up to you.
Low Minimum Requirements
Get started saving with as little as $100 for kids or $500 for adults.
So many options for saving
There’s so many ways to build the term deposit that will achieve your goals — redeemable or non-redeemable, registered or non-registered along with multiple term length options. Here’s some of our most popular.
StockLink
Stocklink is a type of term deposit that combines the security of a term deposit with the stock market’s growth potential. Your initial investment is protected from any loss. Stocklink are available in registered and non-registered investments.
Benefits
- Safety and peace of mind
- Possibility of earning more interest than regular term deposits
- Diversification of funds
- RRSP eligible
Rate Climber
Climb rates like you climb the Monashees with a term deposit of 3 or 5 years where interest rates go higher every year. And you can cash in your deposit on any anniversary with no penalty.
Key information
• Interest compounds annually.
• Can be cashed in without penalty on each anniversary.
Kootenay Saver
Save money while being ready to spend. This flexible term deposit keeps you open to opportunity with a one-year guaranteed investment that allows full and partial withdrawals or transfers without penalty after 90 days.
Key information
• Can be cashed in without penalty after 90 days with interest paid up to the date of withdrawal.
• Partial withdrawals allowed.
• Also available in US Funds.
Easy Pay-as-you-go Plan
There’s no need to have a single large lump sum to start saving. Build your investment within one year by contributing month by month. And, yes, your money will make interest the whole time. Talk to us to get started.
All rates are subject to change without notice, and are not guaranteed unless confirmed in writing.
Need a Little Extra Guidance?
We’re here to help you make the decision for your finances and your future. We work with you to make your savings dreams a reality.
Want More Options?
We provide access to mutual funds, Qtrade Direct InvestingTM and Qtrade Guided PortfoliosTM and the guidance to help you grow, protect and get the most out of your money.
Check out Financial Planning
Mutual funds are offered through Qtrade Asset Management (a tradename of Credential Asset Management Inc). Online brokerage services are offered through Qtrade Direct Investing, a division of Credential Qtrade Securities Inc. Qtrade Guided Portfolios, Qtrade and Qtrade Direct Investing are trade names and/or trademarks of Aviso Wealth.
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For over five decades it has been an honour to be part of our communities and we’re committed to being here for decades to come. Opening an account? Buying your first home? Saving for retirement? Choose your financial destination, and let’s make sure you take the best route.
Kootenay Savings
