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Are Term deposits a good choice for you?

A Term deposit offers a savings option with principal protection and guaranteed growth.

Features and benefits of a term deposit


Can have different maturities up to five years


Offers a choice of cashable, redeemable or non-redeemable


Can have a guaranteed interest rate or market-based return with a guaranteed principal


A great way to save or protect yourself against inflation


See our term deposit rates

Competitive rates for our members.

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​MarketWise term deposit

Earn higher potential returns from the stock market with a guaranteed minimum return, without risking your principal investment.


Gulf & Fraser’s MarketWise term deposit is ideal for those seeking higher potential returns than traditional term deposits.

Returns are calculated based on the performance of the S&P/TSX 60**, representing 60 publicly traded companies across Canada’s leading industries. The principal investment amount is 100% protected, allowing unlimited potential for gains without the risks associated with a down market. 

Read our MarketWise information sheet ​for more information.

Make the most of your investments.

Gain potential returns from the performance of the S&P/TSX 60 stock market index and feel secure knowing you'll have a guaranteed minimum return.

Features of a MarketWise term deposit


Available as a 3-year or 5-year, non-redeemable term investment


Minimum $1,000 deposit and no fees


Your principal is 100% guaranteed. Protection is provided by the Credit Union Insurance Corporation of British Columbia.


Guaranteed minimum cumulative return of 1.5% for a 3-year and 2.5% for a 5-year investment


Eligible for RRSPs, TFSAs and non-registered accounts

MarketWise Comparisons 3-year 5-year
Minimum deposit amount $1,000
Principal guaranteed Yes
Minimum guaranteed cumulative return 1.5% 2.5%
Participation rate of market gains of term 75% 125%
Maximum potential return  Unlimited
Redeemable Non-redeemable

*The Credit Union Deposit Insurance Corporation (CUDIC), a statutory corporation, guarantees all deposits and non-equity shares of British Columbia credit unions as set out in the Financial Institutions Act. Credit union equity shares, debt instruments and investments such as mutual funds or RRSP equity plans are not covered by CUDIC.

**Standard & Poor’s®” and “S&P®” are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by Central 1 Credit Union and sublicensed by the Credit Union. “TSX” is a trademark of the Toronto Stock Exchange and has been licensed for use by Central 1 Credit Union and sublicensed by the Credit Union. MarketWise Term Deposits are not sponsored, endorsed, sold or promoted by Standard & Poor’s or the Toronto Stock Exchange and neither party makes any representation regarding the advisability of investing in these deposits.

​Want more information?

For more information on the return calculation or details and special conditions for our MarketWise term deposits, call 604-419-8888or talk to the experts at your local Gulf & Fraser branch.

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