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Non-Registered Accounts

Non-registered accounts are excellent tools for short and long-term investing. While they’re not tax-sheltered, they’re easy to use, have no maximum contribution limits and allow you to benefit from a profitable mix of equity investments.

Term Deposit Account
If a safe investment that pays higher interest than a savings account sounds good to you, a term deposit might be an ideal choice.

Available in:
  • Terms from 12-71 months
  • Non-registered High 5 Term Deposits
  • Non-registered One Year Cashable Term Deposit
DepositWISE® Term Deposit Account
If you’d like an investment that pays you back in monthly instalments, the DepositWISE Term Deposit could work well for you.

  • guaranteed rate of return
  • terms available from 12-71 months
Wealth Accumulator Account
If you want to learn how to pay yourself first.

  • minimum of $25 monthly
  • terms available from 12-71 months
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Term Deposit Account

Looking for a safe and secure way to grow your money? Our Term Deposit account is the perfect solution! With just $500, you can start earning a competitive interest rate while choosing the length of term that works best for your financial goals.

Whether you're saving for a down payment on a house, planning for retirement, or just want to put your money to work, our Term Deposit account has you covered. You can choose from terms ranging from 12-71 months, and all of our accounts can be used as collateral to secure a loan or a better rate.

Plus, with our ProfitShares program, you can earn even more on your investment. And the best part? Your deposits with Synergy Credit Union are fully guaranteed through the Credit Union Deposit Guarantee Corporation (CUDGC), giving you peace of mind that your money is safe and secure.


High 5 Term Deposit Account

Looking to grow your savings with minimal risk? Look no further than our High 5 Term Deposit Account!

With a minimum investment of just $5,000, you can start earning interest on your savings with a 5-year term deposit. But what makes our account stand out is the flexibility it offers.

By "laddering" your investment, we divide your $5,000 into five equal parts, each with a different maturity date from 1 to 5 years. For example, $1,000 is invested at the 1-year rate, redeemable in 1 year, while another $1,000 is invested at the 2-year rate, redeemable in 2 years, and so on.

But here's the best part: You have the flexibility to access 20% of your investment each year. Need to withdraw some money for an unexpected expense? No problem! You can withdraw up to 20% of your investment without penalty each year.

Prefer to invest in registered options? Our High 5 Term Deposit Account has you covered. You can grow your savings in a tax-efficient way with our registered option.


DepositWISE® Term Deposit Account

Looking for a smart way to invest your money and earn a guaranteed rate of return? Look no further than the DepositWISE account.

With just $5,000, you can open a DepositWISE account and start earning interest today. And with terms available from 12-71 months, you can choose the option that works best for your financial goals.

But that's not all - with compound interest paid annually and at maturity, your money will grow faster than ever before. Plus, you can earn rate bonuses and other rewards through our ProfitShares program, making your investment even more valuable.

And if you're ever in need of a loan or mortgage, you can even use your DepositWISE investment as collateral. It's the ultimate win-win - you earn interest on your investment and have access to the funds you need when you need them.



Wealth Accumulator Account - Grow your Wealth with just $25!

Are you tired of living paycheck to paycheck? Do you dream of a better financial future? It's time to take control of your money and start paying yourself first.

With our Wealth Accumulator account, you can start investing in your future with just $25. It's easy to get started - simply choose your savings goal, investment schedule, payment amount, and length of term. We'll take care of the rest, automatically debiting your payments from your personal account.

But that's not all - with interest rates higher than a savings account, you'll see your investment grow faster than ever before. Plus, you can accelerate your savings by making additional deposits.


Become our newest member

At Synergy Credit Union, we're not satisfied with merely providing financial services—we want to empower you to live the life you envision. Sure, we have an impressive array of products and services, but these are simply the means to an end. Our ultimate goal is to help you achieve your dreams and aspirations by tailoring our offerings to your unique needs.

It’s easy to join, and we make it simple to switch. Become our newest member. We can’t wait to meet you.

Looking to expand your banking options?

As an existing member, you can open select accounts through our digital banking platform. It's quick and easy - just log in to your account using online banking or our mobile app, then go to the "Accounts" section and select "Open account." Follow the simple steps and you'll be up and running in no time.

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