We've merged effective January 1, 2020 and while this website may still bear the name and logo of Westminster Savings Credit Union, we are in the process of revising all print and digital materials to bear the name of the new legal entity - Prospera Credit Union. We appreciate your patience during this transitional period.


This is an excellent savings vehicle for those wishing to set aside funds on a monthly basis for annual expenses such as car insurance, property taxes, vacations or an emergency.

Apply online

visit a branch near you or call 604-517-0100 to set up your term today.

Starting with a minimum deposit of just $1.00, make automatic monthly contributions to your high-earning Accumulator account.

Term Features

  • An ideal option for members who set aside funds for purchases, taxes, vacations or emergencies.
  • As long as you achieve a minimum savings goal of $500.00 by the end of the term you can earn term deposit rates on a 180 day to 364 day or a 365 to 730 day term.
  • When your term ends you can transfer both the original deposit amount and the interest you've earned to your chequing or savings accounts or another term deposit and either close the Accumulator account or keep it going for even more savings.

Terms & Conditions

  • Term lengths must be 180 to 364 days or 365 to 730 days
  • Minimum $1.00 initial deposit, $500.00 by the end of the term, no maximum amount for automatic monthly contributions
  • Fixed interest rate
  • Redeemable with penalty
  • Interest payout to chequing, savings or term deposit accounts
  • Instalments can be stopped at any time but not resumed

Talk to a Financial Expert today.

Our financial experts will answer any of your term deposit questions. Call us at 604-517-0100 or send us your question online and we'll respond to you within one business day.

Term Deposit Guide

Learn about term deposits and how they can benefit your savings plan.

See the guide...

Need help?

See all our contact options.

Current Rates


180 - 364 Days


365 - 730 Days