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Term Deposits

Safe and secure investing

Term deposits offer a variety of interest rates for as little as 30 days up to 5 years. Deposit insurance safeguards your initial investment.

  • Higher interest for longer investments
  • Risk-free investment with deposit insurance
  • Flexible rates, terms and options

Flexible options to reach your savings goals

Term Deposits tailored to your needs

Flexible terms and interest payments that are better than your average savings account.


  • Terms from 30 days to 5 years
  • Redeemable or non-redeemable
  • Compounding or non-compounding
  • Automatically renewed or not
  • Interest paid annually, semi-annually, quarterly or monthly
Regular installments

Accumulator Term Deposit

Set it and forget it

Choose your savings goal and set up easy installments to get there.

  • Interest calculated on daily closing balance; paid annually
  • Non-redeemable fixed rate for terms of 1 to 5 years
  • Minimum installment amount
  • Include it in your RRSP
US dollar

US Dollar Term Deposit

Earn interest in US Dollars

Earn interest on your US Dollars with a range of options to choose from.

  • Term lengths of 30 days to 5 years
  • Minimum deposit amount of $1000
  • Competitive rates at request
  • Redeemable or non-redeemable
  • Compounding or non-compounding
  • Automatically renewed or not
  • Interest paid annually, semi-annually, quarterly or monthly
For youth

Junior/Youth Term Deposit

Start early to save more

Begin your savings journey with a youth term deposit for those aged up to 18 years.

  • Minimum $100 deposit
  • Terms from 30 days to 5 years
  • Redeemable or non-redeemable
  • Compounding or non-compounding
  • Automatically renewed or not
  • Interest paid annually, semi-annually, quarterly or monthly
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Talk to an advisor

Get expert advice on investing

Whether you’re new to investing or want a risk-free investment to add to your portfolio, get expert advice on the term deposits that best fit your needs.

Make an appointment

Explore more ways to invest your money

Registered Plans

A secure investment tool in your toolbox to help build your retirement dreams, while lowering the tax you pay today.

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Mutual Funds* & Equities

Invest in a portfolio of stocks, bonds and other investable assets, professionally managed by a team of investment experts.

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Mutual funds, other securities related financial planning services are offered through Qtrade Advisor, a division of Credential Qtrade Securites Inc.

Reach us wherever you are

Let your fingers do the walking or come in to see us. 

Meet with an advisor

Book the day and time that suits you.

Visit a branch

We’re open between
9:30am & 4:30pm, M-F.

Send us an email

Email a specific branch or department.

Give us a call

8am-6pm, M-F,
9am-5pm, Sat.

Smithers Branch

3894 1st Avenue
Smithers, BC
V0J 2N0
250 847-3255
Hazeltons' Branch

4646 10th Avenue
New Hazelton, BC
V0J 2J0
250 842-2255


Houston and District Branch

2365 Copeland Avenue
Houston, BC
V0J 1Z0
250 845-7117
Lakes District Branch

117-35 Lakeview Mall, Hwy 16
Burns Lake, BC
V0J 1E0
250 692-7761
BVIS

1139 Main Street
Smithers, BC
V0J 2N0
866 811-1110
BVFS

3894 1st Avenue
Smithers, BC
V0J 2N0
250 847-7936

BVIS

2367 Copeland Avenue
Houston, BC
V0J 1Z0
866 811-1115
BVFS

2367 Copeland Avenue
Houston, BC
V0J 1Z0
250 845-7977
Administration

3872 1st Avenue
Smithers BC
V0J 2N0
250 847-7933
Member Services Contact Centre

3894 1st Avenue
Smithers BC
V0J 2N0
1 877 847-2828

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