Investing

Invest in Your Future With CUA

Whether you’re just beginning to save, saving for your first home, saving for your child’s education, or planning for retirement, we have a range of competitive investment solutions to help you reach your financial goals. 

And when you make deposits with CUA, we invest in local businesses and organizations that create positive impact. That investment comes back to all of us in the form of a stronger economy and a vibrant, more prosperous community.


Choose from the following investment options:

Guaranteed Investment Certificates (GICs)

GICs provide secure, worry-free investing for short or long term funds, with terms ranging from 30 days to 5 years.


Options:

  • Redeemable GIC

  • Commercial Redeemable GIC

  • Short-Term Non-Redeemable GIC

  • Long-Term Non-Redeemable GIC

Tax-Free Savings Accounts (TFSAs)

You can save or invest money without paying tax on the income it earns and withdraw it tax-free at any time.


Features:

  • Contribute up to $6,000 per year

  • Tax-free savings on withdrawals made or income earned

Registered Retirement Savings Plan (RRSP)

RRSPs, with careful long-term planning, can help you accumulate enough savings to truly enjoy your retirement years.


Features:

  • Index Linked term deposits

  • Variable RRSPs

  • Fixed term RRSPs

  • Convenient monthly RRSP deposits

First Home Savings Account (FHSA)

Made available by the Federal Government in 2023, a FHSA is a registered plan product meant to help first-time home buyers save up to $40,000 for the purchase of a home.


Features:

  • Contribute up to $8,000 per year

  • FHSA contributions are tax-free up to $40,000

  • Tax-free income & more

Term Deposits

Like investing with a safety net, with CUA's Index-Linked Term Deposits, you are not only guaranteed your principal investment, but you have unlimited potential returns.


Features:

  • Principal protections

  • Provincial deposit insurance

  • RRSP and TFSA eligible

  • No fees or commissions

Mutual Funds

Mutual funds combine the benefits of diversification and professional management with affordability for the average investor.


Features:

  • Over 1,500 different options

  • Customizable plans

Registered Education Savings Plan (RESP)

Prepare today for your child’s future university or college education by starting an RESP.


Features:

  • Tax free investments

  • Government approved

Registered Disability Savings Plan (RDSP)

Do you or a loved one have a disability? A RDSP could be your pathway to a financially secure future.


Features:

  • Tax-sheltered savings plan

  • No annual contribution limit

  • Eligible for up to $90,000 in government contributions

Registered Retirement Income Fund (RRIF)

A RRIF is a flexible retirement income option and is best suited to people who want to make their own decisions regarding their retirement income.


Features:

  • Variable and Fixed Rate Plans available with fixed terms from 1 to 5 years

  • Secure investment with principal and interest guaranteed


Rates

Visit our rates page for more information.

 

*Rates are subject to change without notice, they are for information purposes only and should be confirmed by a representative of CUA
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