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Cashable term deposits
Personal investing

Cashable term deposits

Enjoy greater flexibility to access your funds before the maturity date if you need to.   

Invest for one year without locking in your money 

Want to earn more than your standard savings account? Invest in a 12 month cashable term and get the benefits of a fixed interest rate along with the flexibility to cash it out early if you need the funds. 
 
Features:
  • Invest $1000 or more
  • Terms of one year
  • Fully cashable after 30 days 
  • Interest paid annually
Accounts:
  • Non-registered
  • TFSA
  • RRSP
  • RRIF
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Personal Banking

Tax-Free Savings Account

Save for short-term and long-term expenses, with no tax on withdrawals.

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Ways to bank with us

The many ways you can access your accounts, documents, statements, and more:

Explore all term deposits

Non-redeemable

Get a better interest rate if you don’t need to touch your money before the maturity date. 

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Rate climber

Enjoy higher rates the longer you stay invested — but you can cash out at the end of each year.

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Re-investible

If interest rates rise, you can switch to a non-redeemable term deposit of equal or greater length.

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Non-redeemable US dollar

Earn interest on extra US dollars without converting currencies.

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Compare all

Get guaranteed returns whether you need flexibility or can lock in for a higher rate.

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Meet an Advisor
We’re here to help

Talk to an advisor

Our knowledgeable advisors can guide you through life’s big and small financial decisions — and their services are completely free of charge for our members.

How to reach us

Call our Member Service Centre

Toll free
1 888 440 4480

Monday to Friday
8 am - 8 pm

Saturday 9 am - 5 pm

Contact tech support
Send us an email