Are your high expenses and busy schedule limiting your ability to plan for the future? We can help. Whether you are just starting out with an investment plan or you have a large portfolio, our investment professionals can provide the knowledge and expertise to help grow your money. We are taking care of the world’s most important money… Yours.
• 30 to 364 days.
• Minimum deposit of $500.
• Guaranteed rate.
• 1 to 5 years.
• Minimum deposit of $500.
• Guaranteed rate.
• 3 or 5 year term.
• Principal investment guarantee.
• Returns are based on the performance of a specific Index.
• 3 or 5 year term.
• Guaranteed escalating rate.
• Minimum deposit of $500.
• You select the amount you want to save over a specified period of time.
• Automatic transfer established to the GIC
• Interest is paid at maturity
• Various campaign specific GIC’s.
• 3 year term.
• Guaranteed rate.
• No minimum deposit.
• Eligible through payroll deduction, lump sum deposit or pre-authorized
credit.
• Redeemable on or after the first anniversary.
Invest in your future with benefits you can enjoy today. Educational
employees with a strong pension have limited contribution room to invest in
an individual or spousal RRSP, however if you are married your partner
should contribute to their own RRSP in order to take advantage of tax
savings now and income splitting in the future.
• Invest in variable rate, term deposit(s), redeemable savings or mutual
funds*.
• Eligible through payroll deduction, lump sum deposit or pre-authorized
credit.
• Unlimited Deposit Insurance coverage on term deposits (GIC’s) and
redeemable savings.
• Flexibility to help you make the most of your retirement income fund.
• Investment options are similar to those permitted for RRSP’s.
• Unlimited Deposit Insurance coverage on term deposits and redeemable
savings.
Invest in post-secondary education funding for a beneficiary. With the
government contributions available it is the smartest way to save for future
education needs.
• Contributions are not deductible but income earned in the plan is tax
exempt until withdrawn.
• Deposits are eligible for a CESG grant of 20% to a lifetime maximum of
$7,200 per beneficiary up to age 17, single or family plans.
• Invest in term deposit(s) or mutual funds*.
• Eligible through payroll deduction or lump sum deposit or pre-authorized
credit.
You can save tax-free and still have the flexibility to withdraw your
savings at any time, for any purpose – it’s your choice.
• Contribute up to $5,000 each year.
• Invest in variable rate, term deposit(s), redeemable savings or mutual
funds*.
• All the income (interest, dividends and capital gains) earned in your OECU
TFSA are tax-free for life.
• You can withdraw from your TFSA at any time, for any reason and all
withdrawals are tax-free.
• Eligible through payroll deduction, lump sum deposit or pre-authorized
credit.
With access to a wide range of mutual funds* and other financial products, a
Credential Asset Management mutual Fund Investment Specialist at OECU will
help meet your diverse investment needs now and into the future.
• Some of the top mutual fund companies AGF, Fidelity, AIM/Trimark,
Mackenzie, Ethical Funds® and more.
• Many of our Mutual Funds Investment Specialists are also Certified
Financial Planners
Online brokerage service available to OECU members.
Organize, Learn and Manage your Financial Affairs securely online. Easy to use.
Make sure you are adequately prepared and informed to make good decisions regarding your financial planning, speak to an in-branch CFP.
Mutual funds are offered through Credential Asset Management Inc. and mutual
funds and other securities are offered through Credential Securities Inc.
and Credential Direct®, a division of Credential Securities Inc., which
operates as a separate business unit. Commissions, trailing commissions,
management fees and expenses all may be associated with mutual fund
investments. Please read the prospectus before investing. Unless otherwise
stated, cash balances, mutual funds and other securities are not covered by
Canada Deposit Insurance Corporation or by any other government deposit
insurer that insures deposits in credit unions. Mutual funds and other
securities are not guaranteed, their values change frequently and past
performance may not be repeated. Ethical Funds® are sold in all provinces
and territories across Canada. Ethical Funds® is a registered mark owned by
Northwest & Ethical Investments L.P. and is used under licence. ®Credential
and Credential Direct are registered marks owned by Credential Financial
Inc. and are used under licence.