Investments

REGISTERED RETIREMENT SAVINGS PLAN

Variable Plan

• Daily interest deposit to start your RRSP savings
• Automatic monthly contributions available

Fixed Term Plan

• Minimum Deposit $500
• 1 - 5 year terms
• Non-redeemable until maturity
• Interest compounded on anniversary date
• Automatic renewal for like term at current rates

Index-linked Plan

• Invest in the market and have your initial investment guaranteed
• 3 and 5 year terms
• Three different plans to choose from indexed against either a specific group of companies, the S&P/TSX index or the global market indices.

REGISTERED RETIREMENT INCOME FUND

Convert your retirement savings plan to our RRIF program to give you steady income flow during your retirement.

Fixed Term Plan

• 1 - 5 Year terms
• Non-redeemabe until maturity
• Interest compounded on anniversary date
• Automatic renewal for like term at current rates

Index-linked Plan

• Invest in the market and have your initial investment guaranteed
• 3 and 5 year terms
• Three different plans to choose from indexed against either a specific group of companies, the S&P/TSX index or the global market indices.

REGISTERED EDUCATION SAVINGS PLAN (RESP)

A Credit Union Registered Education Savings Plan, available through Concentra Trust, is a government approved plan for the purpose of providing post-secondary education funding for your children or grandchildren. Income earned within the plan is not taxed until withdrawn. As well, contributions may be eligible for government grants into the plan.

See a Credential Asset Management Mutual Funds Investment Specialist for further details.

TERM DEPOSITS

Redeemable Product

• Minimum deposit $500
• Terms of 30 Days to 2 Years
• Redeemable prior to maturity with interest penalty
• Automatic Renewal at current rates for like term

Non-redeemable Product

• Minimum deposit $500
• Terms of 3 - 5 Years
• Automatic Renewal at current rates for like term

Index-linked Plan

• Invest in the market and have your initial investment guaranteed
• 3 and 5 year terms
• Three different plans to choose from indexed against either a specific group of companies, the S&P/TSX index or the global market indices.

MUTUAL FUNDS

Mutual funds are offered through Credential Asset Management Inc. with a variety of investment options to meet your needs. Choose from socially responsible investing with The Ethical Funds Company® or the Credential® Select Portfolio Funds.

Choose from socially responsible investing with Ethical Funds or the Ethical Select Portfolios.

Mutual funds are offered through Credential Asset Management 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 covered by the Canadian Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

®Credential is a registered mark owned by Credential Financial Inc. and is used under licence. ®The Ethical Funds Company is a registered mark owned by Ethical Funds Inc. and is used under licence.

AgriInvest

What is AgriInvest?

AgriInvest helps producers manage small income declines. Each year, producers can make a deposit into an AgriInvest account and receive a matching contribution from federal and provincial governments. Producers have the flexibility to withdraw the funds at any time to cover small margin declines or for risk mitigation and other investments.

We are ready to open agriinvest accounts!!

Bring in your AgriInvest Account Initiation Form and we will:
- open your account
- notify Agriculture and Agri-Food Canada (AAFC) that you've opened an account, and any existing AgriInvest funds will be transferred to it

Why open an AgriInvest account with us?

- Competitive rates
- No service charges
- Knowledgeable and friendly service - Flexibility to withdraw at any time

For more details visit the program website at www.agr.gc.ca/AgriInvest or Call (306)-753-2333 to make an appointment with our Investment Specialist today!

CREDENTIAL FINANCIAL STRATEGIES INC.

The Credential Financial Strategies Centre offers a variety of protection and investment plans that complement the traditional savings programs offered by the credit union. Together, they can provide a total package to help you realize your full financial potential.

Whether your financial objectives involve saving for your first home, providing a university education for your children, or building a nest egg for a comfortable retirement, Credential Financial Strategies will tailor a plan suitable to your needs and goals. The Credential Financial Strategies Representative, a dedicated career professional carefully selected and trained to serve credit union members, can work with you to create a financial blueprint you can follow to help achieve your personal financial objectives.

Credential Financial Strategies Representatives can provide you with no-charge consultations and personal guidance in many areas such as Money Management, Retirement Planning, Education Funding, Insurance Planning and Investment Planning.

Contact the credit union staff for a referral.

Credential Financial Strategies Inc. is a member company under Credential Financial Inc., offering financial planning, life insurance and investments to members of credit unions and their communities. ®Credential is a registered mark owned by Credential Financial Inc. and is used under licence.