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Lock in for better rates with Prospera’s non-redeemable term deposits.
Personal investing

Non-redeemable term deposits

Get a better interest rate if you don’t need to touch your money before the maturity date. 

Non-redeemable term deposit (12 to 60 months)

Sometimes you just want to “set it and forget it.” With our longer-term non-redeemable term deposits, you invest for 12 to 60 months with one of our highest term deposit interest rates. That rate is guaranteed for the whole term so you know exactly how much you’ll have at maturity.
Features:
  • Invest $1000 or more
  • Terms of 1 to 5 years
  • Not redeemable
  • Interest paid annually
Accounts:
  • Non-registered
  • TFSA
  • RRSP
  • RESP
  • RRIF
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Non-redeemable term deposits (up to 12 months)

Maybe you only have a month or two before you need to use a chunk of money. You can still earn interest with our shorter-term non-redeemable term deposits. Choose a term between 30 and 364 days. At the end, you’ll get your cash back plus guaranteed interest.

Features:
  • Invest $5000 or more
  • Terms of 30 to 364 days
  • Not redeemable
  • Interest paid at maturity
Accounts:
  • Non-registered
  • TFSA
  • RRSP
  • RESP
  • RRIF

Ways to bank with us

The many ways you can access your accounts, documents, statements, and more:
Bank online by signing into your account at Prospera.ca
Do your banking anywhere with the Prospera mobile banking app
Do your banking at one of over 4,000 ATMs across canada
Choose a time and date that works best for you, in person, by phone, or video call.
Choose a time and date that works best for you, in person, by phone, or video call.

More ways to bank

Explore all term deposits

Cashable

Stay flexible with the option to withdraw your money anytime after 30 days.

View details
Rate climber

Enjoy higher rates the longer you stay invested — but you can cash out at the end of each year.

View details
Re-investible

If interest rates rise, you can switch to a non-redeemable term deposit of equal or greater length.

View details
Non-redeemable US dollar

Earn interest on extra US dollars without converting currencies.

View details
Compare all

Get guaranteed returns whether you need flexibility or can lock in for a higher rate.

View details
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Our knowledgeable advisors can guide you through life’s big and small financial decisions — and their services are completely free of charge for our members.
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How to reach us

Call our Member Service Centre

Toll free
1 888 440 4480

Monday to Friday
8 am - 8 pm

Saturday 9 am - 5 pm

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