Skip to main content

winwin EarthLink™ GIC / TERM DEPOSIT



​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


sector pie chart

Rate of Return*

Sales Period: Jan 23, 2024 - Mar 18, 2024


3 years 5 years
Minimum guaranteed annual rate 3.00% 3.00%
Maximum potential cumulative return 25.00% 40.00%


*Rates as of January 23, 2024. The minimum guaranteed annual interest rate is paid out annually and does not compound. This product has a ceiling that determines the maximum return you may receive at maturity. Terms and conditions apply.



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.


The basket of securities comprises 20 international companies which have the same weight in the basket. Representing a variety of economic sectors that have been carefully selected for their commitment to the environment and the initiatives they implemented to reduce the environmental impact of their operations.




stock Market

Alstom SA Industrials Paris
Bank of Nova Scotia/The Financials Toronto
Denso Corp Consumer Discretionary Tokyo
First Solar Inc. Energy NASDAQ GS
Gecina SA Real Estate Paris
Hydro One Ltd Utilities Toronto
KDDI Corp Communications Tokyo
Magna International Inc Consumer Discretionary Toronto
Microsoft Corp Technology NASDAQ GS
Mowi ASA Consumer Staples Oslo
Nintendo Co Ltd Technology Tokyo
Novartis AG Health Care SIX Swiss Exchange
Novo Nordisk A/S Health Care Copenhagen
Orsted AS Utilities Copenhagen
SAP SE Technology XETRA Frankfurt
SolarEdge Technologies Inc Energy NASDAQ
Texas Instruments Inc Technology NASDAQ GS
Vestas Wind Systems A/S Energy Copenhagen
Vonovia SE Real Estate XETRA
Wheaton Precious Metals Corp Materials Toronto


Historical returns provided are for informational purposes, past performance is not indicative of future returns.

​Although past performance is not always indicative of future returns, similar products as the winwin EarthLink™ have recurrently performed close to its maximum potential return rate. Some factors contributing to this performance could be the diversity in companies, sector and stock markets within this product.Please speak with an advisor to review the underlying securities of this product and full terms and conditions of the winwin® term deposit.


3-year Terms maximum potential cumulative return actual return received by member
Feb 3, 2021 - Feb 5, 2024 7.00% 7.00%
Dec 2, 2020 - Dec 4, 2023 12.00% 5.59%
Oct 2, 2020 - Oct 2, 2023 12.00% 12.00%
  1. The minimum guaranteed annual interest rate is paid out annually and does not compound.
  2. This product has a ceiling that determines the maximum return you may receive at maturity.
  3. Historical returns provided are for informational purposes only, past performance is not indicative of future returns.
  4. This deposit may neither be negotiated nor transferred. No amount in principal shall be redeemed or payable before the date of maturity.
  5. This deposit and minimum interest accrued on the deposit is 100% guaranteed.
  6. The interest paid at maturity is subject to a maximum. If the yield of the Securities is higher than the maximum cumulative return at maturity, then the interest paid will match this maximum.
  7. This deposit may not be hypothecated or given as security.
  8. Given the features of this kind of investment, you should check with your advisor to make sure that such an investment meets your investment objectives as the investment is not suitable for everyone.
  9. The above statements and information are for informational purposes only. The information contained above is not complete and is qualified in its entirety by the full terms and conditions of the winwin® term deposit.  Please speak with an advisor to review the full terms and conditions of the winwin® term deposit.


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.

From November 1, 2021, to November 21, 2021, the members of First West Credit Union voted on special resolutions that, among other things, 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.



Term deposit / GIC benefits at a glance:


piggy bank icon.png

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.

money icon.png

​Low minimum deposit

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

muskoka chair icon.png

​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.

province of bc icon.png

Made for B.C.

Your money stays in B.C. As a financial cooperative, we use your money to help businesses grow and create a future where everyone can flourish. 


Ready to invest?

Get started in less than 30 seconds.





Call us at 1-888-597-8083 or come in to your local branch and we'll set you up.


boy on dads shoulders.jpg


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.