NON-REGISTERED ACCOUNTS
Non-registered accounts are excellent tools for short and long-term investing. While they’re not tax-sheltered, they’re easy to use, have no maximum contribution limits and allow you to benefit from a profitable mix of equity investments.
Term Deposit Account
- Terms from 12-71 months
- Non-registered High 5 Term Deposits
- Non-registered One Year Cashable Term Deposit
DepositWISE® Term Deposit Account
- guaranteed rate of return
- terms available from 12-71 months
Wealth Accumulator Account
- minimum of $25 monthly
- terms available from 12-71 months
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Term Deposit Account
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- can be Non-Registered or Registered Retirement Savings Plans (RRSP) and Tax Free Savings Account Plans (TFSA)
- offered in terms from 12-71 months
- can be used as collateral to secure a loan or better rate
- qualify for ProfitShares
- guarantee a fixed rate return with the peace of mind knowing that all your deposits are fully guaranteed through the Credit Union Deposit Guarantee Corporation (CUDGC)
- can be Non-Registered or Registered Retirement Savings Plans (RRSP) and Tax Free Savings Account Plans (TFSA)
High 5 Term Deposit Account
- Laddering your investment. This means that your investment is divided by 5, each with a different maturity date from 1-5 years.
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- Example: If you invested $5,000, your investment would look like this:
- $1,000 invested at 1-year rate, redeemable in 1 year
- $1,000 invested at 2-year rate, redeemable in 2 years
- $1,000 invested at 3-year rate, redeemable in 3 years
- $1,000 invested at 4-year rate, redeemable in 4 years
- $1,000 invested at 5-year rate, redeemable in 5 years
- Example: If you invested $5,000, your investment would look like this:
- Flexibility by allowing access to 20% of your investment each year.
- Available in Registered options as well
DepositWISE® Term Deposit Account
DepositWISE® Term Deposit Account
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- guaranteed rate of return
- terms available from 12-71 months
- compound interest paid annually and at maturity
Wealth Accumulator Account
Wealth Accumulator Account
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- a savings goal
- an investment schedule (weekly, biweekly, monthly, semi-monthly, etc.)
- when you want to make your payments
- the amount of your payment
- a length of term 12-71 months
What we do for our members and communities goes way beyond banking. We’re proud of the exceptional range of products and services we offer, but that’s not our focus. Those are the tools we use to help real people like you achieve your goals. Our focus is on understanding what you need to prosper.
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