Registered Products

RRSPs (Registered Retirement Savings Plans)
	Competitive rates. Variable rate short term. 1 - 5 year terms. Income tax deductible. Loans are available for contributions.
Tax Free Savings Account
	Competitive rates Variable rate short term. 1 - 5 year terms. Tax free growth and withdrawals. Loans are available for contributions.
MARKETFLEX ® PRAIRIES BASKET ®, Global Market ®,
	Index-linked term deposit. Non Redeemable, various term options available. Rate of return based on Index link or Stock. Registered or Non Registered Investments.
RRIF (Registered Retirement Income Fund)
	A flexible means of providing an income during retirement by transferring your RRSP to a RRIF.
RESP (Registered Education Savings Plan)
	Long term planning and investments for your children's education. Tax sheltered income (not income tax deductible). Additional 20% per year funding available by the Canada Education Savings Grant.

Hudson Bay Credit Union