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A market-linked GIC offering a guaranteed minimum return and potential to earn more based on the stock market performance of Canadian financial and insurance services sectors.

   Principal investment protected

   Guaranteed minimum return

 ​  Higher return potential

Benefit from the growth potential of eight carefully selected major Canadian financial and insurance institutions without exposure to any market downsides.

  • 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

winwin financial services
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Rate of Return*

Sales period: January 26, 2021 - March 22, 2021

3 years5 years
Minimum guaranteed annual compound return equivalent0.10%0.10%
Minimum guaranteed cumulative return0.30%0.50%
Maximum potential annual compound return equivalent2.28%2.84%
Maximum potential cumulative return7.00%15.00%

*Rates as of January 26, 2021. Offer subject to change without notice at any time. winwin Financial Services rates are calculated on a per annum basis. Terms and conditions apply.

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Additional details

View historical returns

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

TermIssue datematurity dateminimum guaranteed cumulative returnmaximum potential cumulative returnactual return received by memberequivalent annual compound return
3 yearOct 4, 2017Oct 6, 20201.50%10.00%1.50%0.498%
3 yearAug 11, 2017Aug 11, 20201.50%10.00%1.50%0.498%
3 yearJun 7, 2017Jun 9, 20201.50%10.00%1.50%0.498%
3 yearApr 5, 2017Apr 13, 20201.50%10.00%1.50%0.498%
3 yearFeb 8, 2017Feb 14, 20201.50%10.00%8.18%2.655%
3 yearDec 9, 2016Dec 16, 20191.50%10.00%8.68%2.815%
3 yearOct 7, 2016Oct 17, 20191.50%10.00%10.00%3.228%
3 yearAug 12, 2016Aug 19, 20191.50%10.00%10.00%3.228%
3 yearJun 10, 2016Jun 18, 20191.50%10.00%10.00%3.228%
3 yearApr 8, 2016Apr 12, 20191.50%12.00%12.00%3.85%
3 yearFeb 12, 2016Feb 19, 20191.50%12.00%12.00%3.85%

TermIssue datematurity dateminimum guaranteed cumulative returnmaximum potential cumulative returnactual return received by memberequivalent annual compound return
5 yearOct 7, 2015Oct 7, 20204.00%25.00%9.096%1.757%
5 yearAug 14, 2015Aug 14, 20204.00%25.00%5.85%1.144%
5 yearJun 12, 2015Jun 12, 20204.00%25.00%4.00%0.787%
5 yearApr 8, 2015Apr 20, 20204.00%25.00%10.141%1.951%
5 yearFeb 13, 2015Feb 20, 20204.00%25.00%25.00%4.564%
5 yearDec 5, 2014Dec 11, 20194.00%25.00%23.251%4.270%
5 yearOct 8, 2014Oct 15, 20194.00%22.00%20.072%3.726%
5 yearAug 13, 2014Aug 19, 20194.00%22.00%19.138%3.564%
5 yearJun 13, 2014Jun 20, 20195.00%25.00%25.00%4.56%
5 yearApr 11, 2014Apr 23, 20195.00%25.00%25.00%4.56%
5 yearFeb 14, 2014Feb 21, 20195.00%25.00%23.96%4.39%

Terms and conditions

  1. The minimum guaranteed annual compound return equivalent is paid out annually and does not compound.
  2. Historical returns provided are for informational purposes only, past performance is not indicative of future returns.
  3. This deposit may neither be negotiated nor transferred. No amount in principal shall be redeemed or payable before the date of maturity.
  4. This deposit and minimum interest accrued on the deposit is 100% guaranteed.
  5. 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.
  6. This deposit may not be hypothecated or given as security.
  7. 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.
  8. 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® Financial Services and winwin EarthLink™ are trademarks 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.

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Term deposit / GIC benefits at a glance:

deposit insurance icon

​​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.

​​Your money is 100% protected

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

​​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.

​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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