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Term Deposits

Term Deposit Receipts (TDR) and Debentures provide a secure, worry-free investment for long-term funds. With flexible interest rates, investment terms, and automatic renewal options, TDRs and Debentures provide a great way to save and earn money with a guarantee of principal and interest. Plus, deposits are insured under the terms of the Credit Union Deposit Guarantee Corporation.

TDR: $500 minimum deposit
Debenture: $100 minimum deposit

  • Simple rate of return
  • Compounding rate of return
  • Interest can be paid monthly

Index-Linked Term Deposits

Index-Linked Term Deposits are fixed term deposits that pay a return based on the performance of the S&P/TSX 60 Index*. Index-Linked Term Deposits have the security of principal protection. No matter what happens to the stock market, you are guaranteed the return of your principal when your investment matures.You chose a fixed term of 3 or 5 years. Rate of return is calculated on the performance of the TSX.

 *Standard & Poor's® and S&P® are trademarks of The McGraw-Hill Companies, Inc.


Meet your local planning expert

We can show you the different investment options available and help prepare an investment plan that makes sense for you.

Tony Young, CFP®

Director, Advice and Service
Aviso Financial Inc.
240 Water Street
St. John’s NL A1C 1B7
(709) 758-8258

Tina Skinner, PFP®

Wealth Management Advisor
Aviso Financial Inc.
38 Main Street
Corner Brook NL A2H 1C3
 (709) 634-5341
 (709) 632-0363

Greg Murray, CFP®

Wealth Management Advisor
Aviso Financial Inc.
51 Commonwealth Avenue
Mount Pearl NL A1N 1W7
 (709) 747-9415
 (709) 690-4990

Peter Bishop

Wealth Management Advisor
Aviso Financial Inc.
1 Pinsent Drive
Grand Falls-Windsor NL A2A 2S8
(709) 489-9051

Donna McGrath, CFP®

Wealth Management Advisor
Aviso Financial Inc.

341 Freshwater Road
St. John’s NL A1C 1B7
 (709) 754-2312

Suellen Jenkins

Wealth Management Advisor
Aviso Financial Inc.

6 Roe Avenue
Gander NL A1V 1W5
 (709) 256-3537


See our latest Term Deposit rates

List of rates for Term Deposits and Debentures*
Term Deposits and Debentures* Rate
Short Term Deposit - 7-29 Days
Short Term Deposit - 30-59 Days
Short Term Deposit - 60-89 Days
Short Term Deposit - 90-179 Days
Short Term Deposit - 180-364 Days
Long Term - 1 Year
Long Term - 2 Years
Long Term - 3 Years
Long Term - 4 Years
Long Term - 5 Years
Long Term - 7 Years

*Rates subject to change. Terms and conditions may apply.

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