Important Security Notice: Be aware of unauthorized individuals falsely offering Term Deposits/GICs on behalf of Alterna Bank and Alterna Savings. The Financial Services Regulatory Authority (FSRA) has also warned about fraudulent documents. Protect your finances: Learn how
Investing
MarketTracer® Term Deposits
Guaranteed principal and the potential for higher returns.
An investment that gives you the best of both worlds
Invest with confidence and peace of mind with our MarketTracer® Term Deposit. Like a regular term deposit, it ensures your principal is 100% guaranteed, while offering you the potential for higher returns.
Greater returns
Alterna’s MarketTracer® Term Deposit’s performance is linked to a specific stock market index or group of stocks, which means you can benefit from the potentially higher returns that an equity-linked investment can provide.
Features and Benefits:
- Principal investment is 100% guaranteed
- Potentially higher return is tied to the stock market
- No fees or commissions
- Available in 3- and 5-year terms
- Minimum $500 initial deposit
- Non-registered, RRSP and TFSA eligible
MarketTracer® Term Deposit options
Canadian Financial Services Guaranteed Return
- Return is tied to eight major Canadian Financial Institutions
- Guaranteed minimum return paid annually
Global Diversified Guaranteed Return
- Return is tied to 20 global companies across the developed world
- Guaranteed minimum return paid annually
Ways to Invest
Personal Banking
Advisors
Our advisors can help you purchase or renew your investments over the phone or in branch so you can achieve your financial goals.
Wealth
Management
Our advisors provide access to comprehensive, customized financial management built through integrity, ethics and responsibility.
Online
Investing
Bank anywhere with our online banking options. Buy or renew GICs/Term Deposits online or set up transfers.
Direct
Investing
Tap into timely insights and tools to invest with confidence in all market conditions with Qtrade® Direct Investing®.
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Types of Term Deposits
Whether you have short-term or long-term savings goals, there is a term deposit that will provide you with the security and flexibility you need.
You may also need...

Investment Savings Account
A high-interest savings account that helps you reach your savings goals faster.

Investment Shares
Looking for a unique investment opportunity? From time to time, Alterna members are given the exclusive right to invest in their credit union through our Investment Shares. These shares are also eligible for RRSP and TFSA accounts.

TFSA
A tax-free savings account (TFSA) is so much more than a regular savings account. Your savings grow tax-free, and you can use it to hold a variety of investments. Open one today to help you reach all of your savings and investing goals.

Wealth Solutions
Alterna Wealth can help manage your investments so you can build, strengthen and preserve your wealth.

Credit Card
We have a credit card to fit your lifestyle. Whether you’re looking for valuable reward points, unique partner benefits or simply lower fees, you can choose the card that's right for you.
How can we help?
At Alterna Savings, eligible deposits in registered accounts have unlimited coverage through the Financial Services Regulatory Authority (FSRA). Eligible deposits (not in registered accounts) are insured up to $250,000 through the Financial Services Regulatory Authority (FSRA).
Your financial well-being comes first
Welcome to a better way to bank. Our knowledgeable team puts your financial well-being first with good, caring and transparent advice while offering all the products and services you need.
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