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Choose your term. Grow your money.

Whether you’re saving for a vacation, home reno, new vehicle or something in between, a term deposit will help you reach your financial goals faster and with peace of mind. We offer affordable one-year, three-year and five-year term deposits that provide guaranteed returns on your investment. Speak to an advisor today to see which option is right for you.
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Your goal. Your money. Three great rates.

Select a term deposit that’s right for you.
1-year
3.30
*
%
3-year
3.55
*
%
5-year
4.00
*
%
*Rates subject to change. 


Start with the basics.

Investing with confidence takes a little research. Give yourself a headstart and explore our term deposit fundamentals.

What is a term deposit?

Learn more about term deposits, how they work and what they can do for you.
Learn more

Term deposit rates.

Browse all our available term options and find the one that fits best with your plans.
Learn more

Opening a term deposit.

Set up pre-authorized contributions today and start with as little as $10 a week.
Start now

Common questions

Here's what people ask us the most.
Yes. Eligible term deposits at Synergy are guaranteed by the Credit Union Deposit Guarantee Corporation (CUDGC). Your original investment is protected, and you’ll earn the agreed-upon interest rate for the length of your term. Term deposits are a low-risk option for members looking for predictable returns.
Synergy offers a variety of term lengths to fit different savings goals. Options range from short-term investments to longer terms that may offer higher interest rates.
It depends on the type of term deposit you choose. Redeemable term deposits allow access to your funds after 90 days without penalty. Non-redeemable and Easy Start term deposits are available at maturity only.
When your term ends, you can choose what happens next with your investment. You can withdraw your funds, move them to another account or renew your term deposit based on your savings goals.
Interest payment options vary depending on the type of term deposit you choose. Depending on the account, interest may be paid monthly, annually or at maturity. Check the details of your selected term deposit for specific interest payment options.

Begin your journey today.

If you’re ready to get started on a term deposit, our experts are here to guide you every step of the way.
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*Rates subject to change. Terms and conditions apply. 
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