Invest in Yourself and Your Community with a Term Deposit

Build up your wealth and your community

with our Northern Birch Term Deposits

Earned interest

for you

Support for your community

Invest in yourself & in your community

Terms of 1 - 5 years available
May be held directly or as part of a registered plan, like an RRSP or TFSA
Eligible deposits (not in registered accounts) are insured up to $250,000 through the Financial Services Regulatory Authority (FSRA). Eligible deposits in registered accounts have unlimited coverage through FSRA.
Minimum deposit of $500
Under 21? You can invest with as little as $100
Interest paid annually

Term Deposit

(also known as a GIC – Guaranteed Investment Certificate) is a secure investment that earns interest at a set rate and guarantees 100% of your initial investment. It’s great for low-risk investors looking to grow their money at a predictable rate, without worrying about losses from market shifts.

Peace of mind with deposit insurance

Eligible deposits (not in registered accounts) are insured up to $250,000 through the Financial Services Regulatory Authority (FSRA)

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Enjoy our competitive rates and wide range of term deposit options

WE OFFER TERMS OF 1 TO 5 YEARS

Watch your money grow here, invested in your local businesses and community

SEE HOW YOUR MONEY HELPS SUPPORT YOUR COMMUNITY

Pick the term deposit that's right for you

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5.10%

1-Year Non-Redeemable Term Deposit

Not redeemable until term end
Use in registered and
non-registered accounts

5.25%

2-Year Non-Redeemable Term Deposit

Not redeemable until term end
Gives you peace of mind
with a long horizon

4.50%

3-Year Non-Redeemable Term Deposit

Not redeemable until
term end
Use in registered and
non-registered accounts