Member Services — Investments

Secure Investments for the Short and Long Term

A Registered Retirement Savings Plan (RRSP) is a government approved plan for you to save for retirement. Your contribution is tax deductible and income earned is tax sheltered until you withdraw funds. How much you are allowed to contribute is based on your employment income. If find out what your contribution limit is, contact Canada Revenue Agency at 1-800-959-8281.

Remember you are never to young to set up an RRSP plan. Time is on your side when you start young. Contact us and we will arrange a convenient time to meet with a representative at a branch of your choice. We will help you determine which type of plan suits your investment objectives.

There are four main types of RRSPs, to accommodate different comfort levels. These include variable rate, fixed term, mutual funds and self-directed RRSPs.

Variable Rate RRSP

Start your RRSP for as little as $100!

Get your money working and growing tax-free. This is our "variable" rate plan. Once you have a minimum of $500 in your RRSP, there are more investment choices available.

If you already have a variable RRSP plan with us, make it easy with an automatic deposit. You choose how much and how often.

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Fixed Term RRSP

Crossroads Credit Union offers fixed term GIC RRSPs.

1-5 year terms
Non-redeemable until maturity
$500 minimum deposit
Interest is paid to plan on anniversary date
Automatic deposits are available
Automatic renewal

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Mutual Fund RRSP

Ethical Funds®

What you do today will affect the future.

There are thousands of mutual funds you can choose for your RRSP. But if you want your money to be invested responsibly - both socially and environmentally - there's only one clear choice.

Ethical Funds is Canada's most comprehensive family of socially responsible mutual funds. A family of Funds gives you a range of domestic and foreign investment options, so you can build a portfolio suited to your goals. The Ethical Funds Company is Canada's leading manager of socially responsible mutual funds. When you choose to include Ethical Funds in your portfolio, you get competitive financial returns and peace of mind of knowing you're investing in what you believe in. You don't have to compromise your values for profit.

With an Ethical Funds RRSP, you can save for a secure retirement, while your investments are working to improve the future for everyone.

Six Ethical® Principles eliminate investments in tobacco, military weapons and nuclear power. Ethical Funds also works on your behalf to encourage companies to improve workplace conditions, minimize environmental impact and respect human rights.

Over the past 15 years, Ethical Funds has proven that it's possible to invest with a conscience. Evidence is building that financial results can be enhanced when you apply socially responsible investment criteria. It makes sense: companies that care about their social and environmental performance tend to be progressive and well-managed.

Ask a Credential Asset Management Inc. Representative at Crossroads Credit Union, how an Ethical Funds® account can help you save for a better future. For more information about Ethical Funds and the Ethical Principles, or to see the current rates of return, visit the Ethical Funds website.

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 Canada Deposit Insurance Corporation or by an 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 registered mark owned by Credential Financial Inc. and is used under licence. ®Ethical Funds and Ethical are registered trademarks owned by Ethical Funds Inc. are used under licence.

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Credential Asset Management Inc.

Credential Asset Management Inc. is the credit union owned mutual fund dealer, which is part of Credential Financial Inc., a national wealth management provider. Crossroads Credit Union is committed to providing our members with a wide range of financial services. This commitment includes offering a choice of investment options suited to your individual needs. Today, more and more people are turning to mutual funds as a way to save for the future.

With more than 4,000 mutual funds available to Canadian investors, it's not easy separating the winners from the underperfomers. Tha's why a team of investment analysts at Credential® have developed a proprietary selection process to assess these funds for you. The resulting Credential Platimum List of 40 best funds have been selected for their potential to outperform their peers over the long run. When you buy any of the Credential Platinum List Funds, you can invest with confidence.

AGF
AIC
C.I.
Dynamic
Ethical Funds®

Fidelity
Mackenzie
Talvest
Franklin Templeton
AIM/Trimark

Credential Asset Management Inc. has a relationship with over 300 credit unions throughout Canada with a dedicated sales force of over 2,000 Mutual Funds Investment Specialists operating in select credit union branches.

Stop in and ask a Credential Asset Management Inc. Mutual Funds Investment Specialists about how you can purchase Ethical Funds® or other mutual funds for your investment portfolio, and how you can transfer your portfolio to Credential Asset Management Inc.

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. Mutual funds securities are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer which insures deposits in credit unions. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. ®Ethical Funds is a registered mark owned by Ethical Funds Inc. and is used under licence. ®Credential is a registered mark owned by Credential Financial Inc. and is used under licence.

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Investment Products

The Crossroads Credit Union provides the full range of quality investment products and services.

Term Deposits

At Crossroads Credit Union, Term Deposits make a solid, safe investment sense. All are fully guaranteed by the Credit Union Deposit Guarantee Corporation.

Short Term: 30-364 days, minimum deposit $5000
Long Term: 1-5 years, minimum deposit $1000
Provides a fixed rate of interest
Automatically renews unless we are instructed otherwise
Interest payment options available
Interest and principal guaranteed
Youth and Trust accounts minimum deposit is $100

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RESPs

Give your child a registered education savings plan that cares as much as you do.

Post secondary graduates enjoy more options, better job security and a higher standard of living than workers with only a high school diploma. The best way to give your children or grandchildren a head start is with a Registered Education Savings Plan (RESP). An RESP with Ethical Funds^® gives you solid financial management, competitive returns, and the knowledge that your money is working to improve the quality of life for everyone. Ethical Funds is committed to social change and fairness through our unique combination of social and environmental screening and shareholder action. Your Ethical Funds RESP helps you build a brighter future for your children. Six Ethical^® Principles work to make the future brighter for all children. An RESP with socially responsible Ethical Funds is an ideal way to give your children the gift of education. To set up a new plan, make another contribution to your existing plan, or transfer in money held at another financial institution, simply contact your Mutual Funds Investment Specialist and start saving now. Find out how much you need to save to give your child a post secondary education with our RESP Calculator.

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