Guarantee Your Future

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Guarantee Your Future

This investment season, get the best of both worlds with our excellent returns and no downside, plus our 100% Deposit Guarantee*.

Whether you're looking to:

  • Benefit from potential increases in the stock market without risking your initial investment
  • Park your contributions in a high-interest account, while keeping the flexibility to lock-in when you want
  • Enjoy a guaranteed return while investing safely and securely in a short term deposit
  • Maximize your RRSP contribution and minimize your income tax
SPARK has a solution for every need! Learn about exciting offers below, and let us show you how we can help.

Act now as these offers are only available until March 31, 2020.


Borrow. Invest. Save.

It's quick and easy! With rates as low as prime, find out why a SPARK RRSP Loan or Line of Credit can pay off.

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SPARK 5 Year Market-Linked Term Deposit

Nothing to lose. Everything to gain.
  • Market potential with no downside
  • Earn up to 40%
  • 100% Principal Protection*
  • Eligible for RRSP, TFSA, and non-registered accounts
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SPARK Wait and See Savings

Get freedom and flexibility while you wait and see.
  • Earn 1.00% on every dollar
  • No minimum deposit required
  • 100% Deposit Guarantee*
  • Eligible for RRSP, TFSA, RRIF, and RESP
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SPARK 16 Month Term Deposit

Guaranteed to grow your money.
  • Earn 2.15% on every dollar
  • $1,000 minimum deposit
  • 100% Deposit Guarantee*
  • Eligible for RRSP, TFSA, RRIF, RESP, and non-registered accounts
Learn more

Ways To Bank

Conveniently access your accounts whenever, wherever. SPARK offers simple and secure options to manage your accounts from your electronic device of choice.

* All SPARK deposits, including principal and interest are 100% guaranteed by the Credit Union Deposit Guarantee Corporation. This means both the money you put in and the interest earned are safe and secure. This guarantee excludes common shares, investment shares, and mutual funds. All rates and products are subject to change without notice. Market-linked products are guaranteed only for the amount of the member's principal investments.
† Rate and approval is based on the member meeting SPARK's lending criteria. Some additional restrictions apply.
‡ This is the maximum potential cumulative interest rate over the entire term of the product. At maturity, the interest rate to be earned will be calculated based on the price performance of the underlying basket of shares or index. There is no minimum interest rate guarantee. Please refer to the Performance Product contract for complete terms and conditions.