Looking for a low risk investment with a guaranteed return? Consider a term deposit. Term deposits offer you a specific interest rate, for a specific time period.

Choose from:

» Short-term options
» Long-term options
» Redeemable options
» Non-redeemable options
» RRSP-eligible term deposits

We also offer High Interest Savings—the savings account that allows you to earn more money with your savings because of compounding interest. You also get the convenience of having interest paid to the account automatically

Short-term options

Short-term deposits help you make the most of your money without having to make a major commitment.

• Terms range from 30 to 364 days
• Minimum deposit: $1,000 ($100 for junior members)
• Available as a registered product so you can tax shelter the interest you earn
• Automatic renewal
• Interest is paid at maturity
• No maximum investment limit
• Special interest rates available on deposits greater than $100,000 (talk to a branch representative for more details)
• Deposit is secure and qualifies for deposit protection of up to $100,000*

*Protection provided by the Credit Union Deposit
  Insurance Corporation of British Columbia

Long-term options

The longer you can invest, the higher interest rate you’ll receive. Plus, you’ll save time since you won’t have to worry about reinvesting every few months.

• Terms range from one to five years
• Low minimum deposit ($1,000; $100 for juniors) and no maximum limit
• Available as a registered product (minimum deposit of $500) so you can tax shelter the interest you earn
• Can be automatically renewed
• Interest can be paid annually, or monthly, or compound until maturity
• Available in a redeemable option so you can withdraw the funds prior to maturity if necessary
• Three or five-year compounding terms available to maximize interest returns
• Special interest rates available on deposits greater than $100,000 (talk to a branch representative for more details)
• Deposit is secure and qualifies for deposit protection of up to $100,000.*

*Protection provided by the Credit Union Deposit
  Insurance Corporation of British Columbia

Redeemable options

Want the security of knowing you can access your funds should you need them—without penalty? Consider the following redeemable term deposit options:

• 12-month cashable
• 18-month cashable
• TOP5 (available at selected times) 
• Long-term options

Non-redeemable options

If you don’t think you will need access to your funds, consider maximizing your returns with a non-redeemable term deposit option.

• Short-term options
• Long-term options
• Market-linked enhanced return guaranteed investment
• 3 or 5-year escalator term deposit
• U.S. dollar options

RRSP-eligible term deposits

Term deposits can also be a good way to say for retirement. At Envision, we offer:

• Redeemable and Non-redeemable terms
• Compounding terms that allow you to earn interest on your interest
• Instant tax receipts during the first 60 days of the calendar year

Term deposits are secure and qualify for deposit protection of up to $100,000.*

We also offer RRSP loans that you can use to help fund your deposit.

*Protection provided by the Credit Union Deposit
  Insurance Corporation of British Columbia

High interest savings

Are you looking for a savings account that pays you a great interest rate? Don’t look any further! Envision’s high interest savings account gives you top of the market interest rates, to help you save for that first car or first home.

• You can add any amount at anytime as a lump sum contribution and your monthly deposit can be any amount
• You have a choice of weekly, bi-weekly, semi-monthly or monthly contributions allows you to make one free withdrawal per month
• High interest savings begins to pay a high rate of interest once the monthly balance is equal to or greater than $5,000. Deposits/ balances below this level will earn interest equivalent to Envision’s SAVE NOW product

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