Sign In
Sign In
Effective January 1, 2026: Conexus Credit Union 2006, Cornerstone Credit Union Financial Group Limited, and Synergy Credit Union Ltd. amalgamated as Conexus Credit Union.

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. 

Book an appointment

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 Cornerstone 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.
Cornerstone 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. 

Find a branch

Mutual funds, other securities and securities related financial planning services are offered through Aviso Wealth, a division of Aviso Financial Inc. Online brokerage services are offered through Qtrade Direct Investing, a division of Aviso Financial Inc. Qtrade and Qtrade Direct Investing are trade names and/or trademarks of Aviso Wealth Inc. and its subsidiaries.

Unless otherwise stated, mutual funds, other securities and cash balances are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions. Mutual funds and other securities are not guaranteed, their values change frequently and past performance may not be repeated.

Protect yourself from fraud: Be vigilant against phishing and spoofing attempts. Always ensure you are on our official website by checking the web address and security indicators. We will never ask for sensitive information via email or redirect you to unfamiliar sites. If in doubt, contact our Member Contact Centre immediately. Learn more about ways to protect yourself from fraud by visiting: www.cornerstonecu.com/security.

This website uses cookies to improve your experience on our website. By continuing to browse the site you are agreeing to our use of cookies.