Time to fill your basket and win up to a 5% bonus

Looking to put your hard-earned fruit into more than one basket? Welcome to the PenFiMarket! Here our MarketSafe, MarketSure, and MarketStrong options provide you with a wonderful selection of investment products that will help you grow your money. We won’t send you out in the orchard to fill your own basket though. Our Advisors are always here to help, working with you to compare apples to oranges and sort out the best options for you to be fruitful. The time is ripe for investing!


Index Linked GICs
With any investment, there’s always a fine balance; you want to make more money, while minimizing your risk. You don’t want to upset the apple cart with too many rogue oranges or rotten pieces. If you decide to wade into the stock market, but want to protect yourself from potential volatility, then PenFi’s Market Safe Index-Linked Term Deposit might be right for you. In essence, an index-linked term deposit takes some of the risk out of investing while capitalizing on the stock market’s potential. Here’s how it works: Your return is calculated from a start date—opening index—and closing index. When your index-linked term deposit matures, your principal interest will be paid out, plus any index-related returns. How do you like them apples?

This basket limits the bad apples and works to maximize the benefits.

This basket can be a personalized and spill over with potential.

Claim your top up scratch card today!

View Terms and Conditions

PenFinancial GICs (Guaranteed Investment Certificates) are insured by the Deposit Insurance Corporation of Ontario (DICO) up to $250,000 (unlimited if held within a registered plan).

Mutual funds are offered through Credential Asset Management Inc. Mutual funds and other securities are offered through Credential Securities Inc. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Unless otherwise stated, mutual fund securities and cash balances are not insured nor guaranteed, their values change frequently and past performance may not be repeated. Credential Securities Inc. is a Member of the Canadian Investor Protection Fund. ®Credential is a registered mark owned by Aviso Wealth Inc. and is used under license.

The minimum investment for all index-linked GICs is $100. Index-linked GICs are available in non-registered and registered plans (RRSP, RRIF, TFSA). PenFinancial Index-Linked GICs are non-redeemable. The principal amount and earned interest is covered by deposit insurance provided by the Deposit Insurance Corporation of Ontario, subject to a limit of $250,000 in total non-registered Member Canadian dollar deposits at PenFinancial (unlimited if held within a registered plan). Notwithstanding any guaranteed bonus rate of return, the amount earned, if any, is calculated at, accrued to, and paid at maturity as interest and will depend on the performance of the Equity Index. It is possible that the amount earned on the Index-linked portion of the return will be zero. Terms and conditions for PenFinancial Index-Linked GICs are available at your PenFinancial Credit Union branch and at www.trulylocalinvesting.ca.