Investment products


Secure your savings today and grow your tomorrow.

Earn more from your hard-earned savings with a zero-risk, high-interest term deposit from Vision Credit Union. Whether you want to park your funds for three months or five years, you can relax knowing your principal investment and your rate of return are 100% guaranteed.


Term Deposits

The term deposit advantage.

  • Flexibility: Terms range from 3 months to 5 years. Many Vision term deposits are not locked in, so you can redeem your principal before the end of the term if needed.

  • Security: Your principal is 100% guaranteed.

  • Profitability: Term deposits are eligible for Vision’s profit sharing program. That means you’ll be saving for the future while earning your share of the profits.

Ready to get started?
Contact your local Vision branch.

Tax Free Savings Account (TFSA)

A TFSA is a “tax-advantaged account.” Contributions to a TFSA don’t earn an immediate tax break, but any gains you make on your investments are tax free. A TFSA can be used for any savings goal, withdrawals are free of tax and you can start a TFSA Variable investment at Vision with as little as $50. Another benefit? At Vision Credit Union, our TFSAs also qualify for our profit sharing program.


First Home Savings Account (FHSA)

A self-directed First Home Savings Account (FHSA) is a registered savings account for first-time home buyers to grow their savings tax-free for the purchase of their first home. An FHSA combines some features of an RRSP and TFSA and allows prospective first-time home buyers to contribute $8,000 per year to a maximum of $40,000 over 15 years.

Contributions to an FHSA will be tax-deductible like an RRSP.  When a qualifying withdrawal is made, the amount withdrawn is non-taxable, like a TFSA.

Unused contribution amounts can be carried forward to the next year, making your yearly savings goals work for you. Once you’ve purchased your home, any unused savings can be transferred from your FHSA to an RRSP or RRIF tax-free.

To open an FHSA, you must be:


Ready to get started?

Contact your local Vision branch today to learn more and open an FHSA.

Registered Retirement Savings Plans (RRSPs)

RRSPs are an essential part of any retirement plan, but they also offer financial benefits for today. By contributing to a Vision Credit Union RRSP every year, you build your retirement nest egg, and you also pay less income tax right now. Your RRSP can include different kinds of investments, like GICs, savings accounts, mutual funds, and stocks and bonds.


Registered Retirement Investment Funds (RRIFs)

A RRIF provides regular retirement income from investments previously held in your RRSP. Here’s how it works. Before you retire, you invest in your RRSP where your money can grow, tax-sheltered. Once you retire, you can roll your RRSP investment into a RRIF. Once it becomes a RRIF, you draw an income from it while the funds continue to grow in the RRIF, tax sheltered until they are withdrawn.


Registered Education Savings Plans (RESPs)

A RESP is one of the most effective ways to save for a child’s education. Your RESP contributions become tax sheltered earnings and they can help you qualify for up to $7,200 in matching contributions from government grants. A RESP can be used for tuition, books, living expenses and more.


Registered Disability Savings Plans (RDSPs)

An RDSP is a long-term savings plan to help Canadians with disabilities and their families save for the future. If you have an RDSP, you may also be eligible for grants and bonds to help with your long-term savings. RDSPs are available to Canadian residents (with a SIN number) who have a long-term disability, are under 60 and are eligible for the Disability Tax Credit.


Mutual funds

A mutual fund lets you pool your money together with other investors, making it easier for you to own a wider range of investments. It includes investments like stocks, bonds, and other funds. A mutual fund pool is administered by a professional fund manager, so you don’t have to worry about buying and selling investments on your own.


Vision Credit Union provides access to investment and financial planning services via our experienced, in-house, VCU Financial, Credential Asset Management Inc. team.


Contact the VCU Financial, Credential Asset Management Inc. team at Vision.
Glen Bulger at 780-672-5540,
Shelley Moch at 780-679-6201,
Camille Kalveram at 780-806-6383,
Myla Myshyniuk, 780-806-0403,


Mutual funds 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 Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions. 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® is a registered mark owned by Aviso Wealth Inc. and is used under license. Credential Asset Management Inc. and Northwest & Ethical Investments L.P. are all wholly owned subsidiaries of Aviso Wealth Inc.

Write your own future

You’ve got goals. For your future. For your family’s future. Pursue them with the confidence that comes from expanded investor knowledge and expert insights. And from tools that help guide your investment decisions.
We’ve partnered with Qtrade Direct Investing™ to give you the confidence to buy and sell stocks, bonds, ETFs, and mutual funds – with low trading fees.


  • Execute with ease on an award-winning trading platform. Qtrade has consistently been ranked Canada’s #1 online investing platform.

  • Realize opportunity with industry-leading tools. Whatever your level of investment experience, build, evaluate and test your portfolio with calculators, and tools like Portfolio Creator™, Portfolio Score™ and Portfolio Simulator™, which feature the industry's most advanced risk analysis and portfolio-building technology.

  • Move forward with Canada’s best online trading support. You can count on Qtrade. Friendly and responsive client service. Online self-help. How-to videos. An extensive library of articles and learning resources. And more.

The key to investing confidence is in your hands. Qtrade can help you work toward your financial goals today. Open an account.

Not ready to commit? Take Qtrade for a spin with a 30-day free trial account. Sign up.

Online brokerage services are offered through Qtrade Direct Investing, a division of Credential Qtrade Securities Inc. Qtrade, Qtrade Direct Investing, and Write your own future are trade names and/or trademarks of Aviso Wealth Inc.

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