Investing

Term Deposits

These are investments available for a fixed period of time, where members can earn a higher rate of interest than regular savings accounts.

Check out our latest term specials.

Index-Linked Term Deposits

This term deposit guarantees the principal but not the interest.  The interest depends on the performance of the S&P/TSX 60 Index.

Mutual Funds *

At Credential Asset Management Inc. at Your Credit Union, socially responsible investing is far more than just aligning investments with values, or simply investing in good companies. It is about making good companies better and building a better world, while achieving financial goals.

RRSPs

A government approved plan in which money is invested/saved for ones retirement. Regular locked-in RRSPs available. Funds are normally transferred to a RRIF no alter than December 31st of the year the member turns 71.

RESPs

A government approved plan that provides for the future post secondary education of a beneficiary. If withdrawn, the growth is taxed in the hands of the beneficiary who is normally at a lower taxation rate.

RRIFs

"Planning for Your Retirement" answers members' important questions and is a useful guide in choosing the right option.

A RIF is used to withdraw income for your retirement. You must make a minimum, mandatory withdrawal each year.

Qtrade Investor *

*Mutual Funds are offered through Credential Asset Management Inc.  Online brokerage services are offered through Qtrade Investor, a division of Credential Qtrade Securities Inc.

Registered Plan Fees

A list of Registered Plan Fees.
 

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