With professionals across Canada will ensure timely engagement with your Trust, wherever you're located.
Skip to main content
Personal
Banking is simpler and more convenient with FNBC.
Access a wide range of services to manage your money anytime, anywhere.
Small Business
Partner with FNBC to turn your business goals into a reality.
Make the most of your surplus balances with term deposits designed to grow your business.
Commercial
Financing
Business Investments
Commercial Banking Impact
Indigenous Land Development Loan Program
Access funding for your next community infrastructure project through FNBC's parnership with CIB.
Trust
We are there when you need us
About Us
Investing in our communities
FNBC is dedicated to supporting meaningful initiatives in the communities we serve.
No chequing account required
No additional products needed to use our term deposits.
Redeemable or non-redeemable
Find flexible options to meet your goals.
Choose your investment account
Available for RRSP, TFSA, and non-registered accounts.
Work towards your goals with FNBC
Term deposits are a tool to save for something specific by a certain deadline. They’re available for terms of 30 days to 5 years.
First Nations Non- Redeemable
Long-Term Non-Redeemable
Long-Term Redeemable
Short-Term Redeemable
Wait and See Redeemable
First Nations Non-Redeemable
Our First Nations Non-Redeemable Term Deposit product offers the best interest rates on your investment while keeping your deposit on reserve. Choose a term of 1 to 5 years with a fixed interest rate to best meet your investment needs.
Features
| • 1 to 5 years |
| • Annual interest |
| • Your minimum investment is just $500 |
| • Term Deposits are non-redeemable |
Long-Term Non-Redeemable
Earn the most on your investment with our Long-Term Non-Redeemable product. Choose a term of 1 to 5 years with a fixed interest rate to best meet your investment needs. This option is not cashable.
Features
| • 1 to 5 years |
| • Annual interest |
| • Your minimum investment is just $500 |
Rates
| Effective 2023-01-27 | |
| 1 year | 1.05% |
| 2 year | 1.20% |
| 3 year | 1.35% |
| 4 year | 1.50% |
| 5 year | 2.00% |
Long-Term Redeemable
Our Long-Term Redeemable product offers you the flexibility to make the most out of your money. To maximize the return on surplus funds, you can earn a high fixed rate of interest guaranteed until maturity. Redeemable Term Deposits are pre-encashable, offering maximum liquidity in case of emergency (subject to pre-encashment penalties).
Features
| • Redeemable with penalty |
| • 1 to 5 years |
| • Annual interest |
| • Your minimum investment is just $1,000 |
Rates
| Effective 2023-01-27 | |
| 1 year | 0.65% |
| 2 year | 0.85% |
| 3 year | 0.95% |
| 4 year | 1.05% |
| 5 year | 1.25% |
Short-Term Redeemable
Our Short-Term Redeemable Term Deposit is a flexible option to keep you open to opportunity.
Features
| • A 1-year cashable term deposit is ideal for short term security and flexibility |
| • Your minimum investment is just $5,000 |
Rates
| Effective 2023-01-27 | |
| 30-59 days | 0.30% |
| 60-89 days | 0.30% |
| 90-119 days | 0.35% |
| 120-179 days | 0.40% |
| 180-269 days | 0.45% |
| 270-365 days | 0.45% |
Wait and See Redeemable
If you have some extra cash but aren’t sure how you want to invest, our 1-year Redeemable Term Deposit is the most flexible.
Features
| • A 1-year cashable term deposit ideal for short term security and flexibility |
| • Cash in without penalty after 30 days at the posted rate at time of purchase, and interest is paid up to the date of withdrawal |
| • Your minimum investment is just $1,000 |
Rates
| Effective 2023-01-27 | |
| 1 year | 0.10% |
Get started
Open a term deposit account or get support to find the right one for you.
Select Image
More personal investing products from FNBC
Secure your financial future while lifting up your community.
Save for retirement with RRSPs
Select Image
Avoid taxes on growth with TFSAs
Select Image
Plan with confidence with direct investing
Select Image
Smart, practical guidance on everyday finances
Get solid advice for every stage of life curated by our expert financial advisory team.
Lost or Stolen Cards & Telephone Banking
1-888-454-3622