Improve your earnings without risking your assets. Simply pick the term and your funds earn a guaranteed fixed rate.

  • Set aside for future savings goals
  • Competitive, fixed rate for length of term
  • Greater earnings than standard savings
  • Dividends are calculated and paid monthly
    • Monthly dividends can compound, be transferred to savings, or otherwise be withdrawn, penalty free
  • Receive higher rates by selecting a longer term
  • Provides more guarantee than other risky investments
  • A wide range of terms available (from 3 months to 5 years)
  • No setup or service fees
  • Renews automatically upon maturity after 10-day grace period*
  • Penalty for early withdrawal**
  • $500 minimum deposit to open

*Your Share Certificate will automatically renew with the same term at the current interest rate. (excluding specials) You have a grace period of 10 calendar days to cancel or change the account. We’ll send you a maturity notice before renewal. Please read it carefully. If we change the type, term or other features of your Share Certificate, we will notify you of the change on the maturity notice.

**The penalty depends on the term of the certificate and is paid at the time of withdrawal, whether the dividends have been earned or not. For share certificate terms of one year or less the penalty is equal to 90 days' worth of dividends. For share certificate terms greater than one year, the penalty is equal to 180 days' worth of dividends.