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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
Benefits of connecting with an expert

Synergy experts live and work here.
They understand your challenges and opportunities.
Our experts have the skills and training to tailor innovative solutions to your unique financial needs.

Term Deposit Account

You just need $500 to get started and you choose the length of term that works best for your goals. All while earning a competitive interest rate. All of our term deposits:

High 5 Term Deposit Account

A minimum $5,000 investment amount gets you started with a 5-year term deposit, while maintaining some flexibility. This investment benefits you by:

  • Laddering your investment. This means that your investment is divided by 5, each with a different maturity date from 1-5 years.
    • Example: If you invested $5,000, your investment would look like this:
      • $1,000 invested at 1-year rate, redeemable in 1 year
      • $1,000 invested at 2-year rate, redeemable in 2 years
      • $1,000 invested at 3-year rate, redeemable in 3 years
      • $1,000 invested at 4-year rate, redeemable in 4 years
      • $1,000 invested at 5-year rate, redeemable in 5 years

  • Flexibility by allowing access to 20% of your investment each year.
  • Available in Registered options as well

DepositWISE® Term Deposit Account

All you need is $5,000 to get started. You can also earn rate bonuses and other rewards through our ProfitShares program and if you’re looking to secure a loan or mortgage, you can even use this investment as collateral. Other features include:
    • guaranteed rate of return
    • terms available from 12-71 months
    • compound interest paid annually and at maturity

Wealth Accumulator Account

Learning how to pay yourself first is simple with our Wealth Accumulator. All you need is $25 and our Wealth Accumulator account to get started. From there, you choose:
    • a savings goal
    • an investment schedule (weekly, biweekly, monthly, semi-monthly, etc.)
    • when you want to make your payments
    • the amount of your payment
    • a length of term 12-71 months
We’ll take it from there. With your regular payments automatically debited from your personal account pack, you'll see your investment grow with interest rates higher than a savings account. You can reach your savings goal even faster by making additional deposits.

Become our newest member

What we do for our members and communities goes way beyond banking. We’re proud of the exceptional range of products and services we offer, but that’s not our focus. Those are the tools we use to help real people like you achieve your goals. Our focus is on understanding what you need to prosper.

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

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