Index-linked term deposits

Index-linked term deposits

An index-linked term deposit protects your investment while offering you the potential to earn higher returns linked to stock market performance.

This type of investment is great for conservative investors who want to minimize risk while enjoying the potential for high-performance returns. It's also ideal for individuals who want to diversify their investment portfolio and gain low-risk exposure to the stock market.

Benefits of Index-linked Term Deposits

  • Guaranteed principal: Like the safety and security of  term deposits, index-linked term deposits guarantee the principal
  • Higher potential return:  Enjoy the potential for higher returns based on stock market performance
  • No fees:  No commission or management fees
  • Low minimum investment:  Invest as little as $1,000
  • Eligible in different product types:  Nonregistered, TFSA, RRSP, and RRIF.
  • Deposits are 100% guaranteed. Protection provided by the Credit Union Deposit Insurance Corporation of British Columbia

What does Vancity offer

You can choose between two types of non-redeemable index-linked term deposits:

  • Market Stretch Index-linked Term Deposit
    • Return is linked to a group of 20 major Canadian companies* representing various economic sectors
    • Potential to earn higher market-linked return up to a maximum return, foregoing a guaranteed minimum return
    • Available for a term of 5 years
  • Market Sure Index-linked Term Deposit
    • Return is linked to the performance of the Canadian banking and insurance sector.*
    • Offers a guaranteed minimum return
    • Available for terms of 3 or 5 years

The index-linked term deposits are based off of the performance of the following corporations or industries:

Market Sure:

Market Sure

Market Stretch:

Market Stretch

For information on current minimum and maximum returns visit the non-redeemable term deposit rates page.

How to apply

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By phone

Metro Vancouver: 604.877.7000

Greater Victoria: 250.519.7000

Toll-free: 1.888.826.2489

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In person

Visit a Vancity community branch near you.

Find a branch

Book your appointment

* Return is subject to a maximum cap. Ask us for more details.


Next steps

For any inquiries that are not Mutual Funds related, please contact

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