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.
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.
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.
Plant your savings somewhere safe and watch them grow
Take advantage of Vision Credit Union’s special 18- and 30-month term RRSPs. Grow your savings with our high interest rates and earn a 25% profit share interest bonus.
- 18 Month: 4.1% (Rate after estimated Profit Share return 5.12%)*
- 30 Month: 4.2% (Rate after estimated Profit Share return 5.25%)*
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becomes a RRIF, you draw an income from it while the funds continue to grow in the RRIF, tax sheltered until they are withdrawn.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.
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, firstname.lastname@example.org
Shelley Moch at 780-679-6201, email@example.com
Camille Kalveram at 780-806-6383, firstname.lastname@example.org
Myla Myshyniuk, 780-806-0403, email@example.com
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.
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