Growing your money,
safely and guaranteed

Be certain about your return in uncertain times.

Take advantage of our best-in-class, guaranteed rates and a safe harbor for your hard earned money with a Redeemable Growing Rate Term Deposit.


  • Minimum investment of $5,000
  • 5-year term with option to redeem every year on the deposit anniversary
  • Interest grows each year
  • Available as non-registered and TFSA
  • Eligible deposits in registered accounts have unlimited coverage through FSRA. Eligible deposits (not in registered accounts) are insured up to $250,000 through FSRA.¹


¹For further information on deposit insurance, visit

²All rates are provided for information purposes only and are subject to change without notice.

  • Members are solely responsible for determining whether any contribution to their registered plan account is within their contribution limits as imposed by applicable law.
  • This offer is available on new funds transferred from another financial institution.
  • Investment principal and interest rate are guaranteed.
  • Funds cannot be redeemed prior to maturity.
  • Deposit automatically renews, with interest, at maturity.
  • A minimum $5,000 deposit is required to take advantage of the promotion.
  • This special offer may not be combined with any other offers.
  • We may change, withdraw, or extend this offer at any time without notice.

The following qualify for the promotion:

  • Money transferred from another financial institution.

The following are NOT considered new deposits:

  • Money transferred from a Moya Financial savings account, daily interest savings account, chequing account, trust account, savings TFSA, RRSP, or RIFF or US funds account.
  • Money transferred from an existing Moya Financial term deposit or line of credit.