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    ​winwin EarthLink™ GIC / TERM DEPOSIT

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    A NATURAL FIT FOR YOUR INVESTMENTS AND YOUR VALUES


    ​Align your investment growth and your values without compromise. winwin EarthLink™ is a market-linked GIC that offers a guaranteed minimum return and the potential to earn more based on the stock market performance of carefully selected environmentally responsible organizations.  


       Principal investment protected 

       Guaranteed minimum return 

       Higher return potential

       Good for your wallet and your values 



    Benefit from the growth potential of 20 international companies, carefully screened for demonstrated commitment to reducing the environmental impact of their operations.  

    Responsible Investing allows you to take advantage of the yield potential of environmentally conscious companies, while protecting your capital. Talk to an advisor today about the winwin EarthLink™ GIC. 

    • Term: 3 or 5 years
    • Minimum deposit: $500
    • Non-redeemable
    • Available for: Non-Registered, RRSP, TFSA
    • Deposits are 100% protected†
    • No commission or management fees while taking advantage of market potential
    • Protection against the foreign exchange fluctuation of underlying securities


    pie chart showcasing winwin EarthLink GIC sector allocation
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    Rate of Return*

    Sales period: November 23, 2021 - January 24, 2022

    ​


    		3 years5 years
    Minimum guaranteed annual compound return equivalent0.50%0.10%
    Minimum guaranteed cumulative return1.50%0.50%
    Maximum potential annual compound return equivalent3.85%3.71%
    Maximum potential cumulative return12.00%20.00%



    *Rates as of November 23, 2021. winwin EarthLink™ rates are cumulative over the entire 3 and 5 year terms. This product has a ceiling that determines the maximum return you may receive at maturity. Terms and conditions apply.

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    4-Step Selection/Screening Process:


    1. ​Financial health analysis - financial soundness, risk profitability and growth outlook
    2. Exclusion screening - companies operating in tobacco, nuclear and arms industries are excluded
    3. Environmental Assessment - performance against environmental, social and governance (ESG) and sustainable development leadership
    4. Inclusion in the security basket - best performance prospects taking into account geographic and sector diversification.



    winwin EarthLink™ is a trademark of First West Credit Union. 

    †The Credit Union Deposit Insurance Corporation of British Columbia, a statutory corporation, fully guarantees all BC credit union deposits. Credit Union equity shares and investments such as mutual funds or RSP equity plans are not covered by deposit insurance.

    Members of First West Credit Union will vote between November 1, 2021 and November 21, 2021 on whether to authorize First West to apply to become a federal credit union under the Bank Act. If First West becomes a federal credit union, it will automatically become a member of the Canada Deposit Insurance Corporation (CDIC) and Credit Union Deposit Insurance Corporation of British Columbia deposit insurance will no longer apply. See attached Notice for further detail on what this change means to your deposits with First West.

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    Term deposit / GIC benefits at a glance:


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    ​​​Your money is 100% protected

    You can rest easy knowing that all deposits with B.C.’s Credit Unions are 100% protected. Protection provided by the Credit Union Deposit Insurance Corporation of British Columbia.

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    ​​​Low minimum deposit

    $500 is all it takes to get you started and there are no maximum deposit limits. 

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    ​​​Built for your future

    Choose a registered term deposit and delay paying taxes on the money you deposit, as well as any earnings it produces until you take it out of the plan.

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    ​​​Made for B.C.

    Your money stays in B.C. As a financial cooperative, we use your money to help businesses grow and communities thrive. 

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    Ready to invest?

    Get started in less than 30 seconds.


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    PLANNING AND ADVICE THAT GROWS WITH YOU

    ​Good advice starts with a conversation about your unique situation. We’ll work with you to understand your overall investment strategy and make recommendations on the right mix of investment solutions for your financial goals. 

    Let’s talk about your financial wellbeing. 

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