• Standard chequing account with access to funds by cheque or electronically.

• Interest paid on a tiered basis with no minimum balance required, interest calculated daily, paid monthly.
• Access by cheque or electronically.

• $10/month - personal chequing accounts.
• Unlimited cheque writing and ATM withdrawals.
• No charge for paying utility bills.
• No charge for mortgage renewals.
• $17/month - business chequing accounts.
• Same features as personal accounts.

• Savings account with interest calculated on lowest monthly balance, paid semi-annually (June and December).

• Savings account with interest calculated on minimum quarterly balance, paid annually.

• Savings account for both personal & business needs.
• Interest calculated daily, paid monthly.

• Funds deposited for a specific period of time with fixed interest rate.
• Redeemable terms are available from 30 days to 5 years.
• Non-redeemable terms are available for 1 to 5 years.
• Preferred rate quotes on terms in blocks of $100,000 and over.

• Monthly maintenance fee.
• Interest calculated daily, paid monthly.

• Student must be enrolled in an accredited post-secondary institution and taking a minimum 60% full time course load.
• Features of this package include: (some restrictions apply)
  • Interest bearing account.
  • Education loans & line of credits.
  • Debit and credit cards.
  • Computer loans.

• A service for members 60 years of age and older.
• Unlimited transaction fees on 1 account.
• Unlimited use of ATMs in Saskatchewan.
• Unlimited use of TELESERVICE®.
• Free personalized cheques.
• No charge on travellers’ cheques, money orders, utility bills.
• $5 off regular rental on safety deposit boxes.

• Competitive rates, no administration or withdrawal fees. Transfer fees may apply.
• Variable rate short term.
• 1 - 5 year terms.
• Income tax deductible.
• Loans are available for contributions.

• Index-linked term deposit.
• Non Redeemable, various term options available
• Rate of return based on Index link or Stock
• Registered or Non Registered Investments

• A flexible means of providing an income during retirement by transferring your RRSP to a RRIF.

• 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.

• Ethical Funds® available.
• Expert advice through Credential Asset Management Inc. Mutual Funds Investment Specialists and Credential Securities Inc. Investment Advisors at your convenience within the branch.
• Access the top 300 mutual funds* as well as Labour Sponsored Venture Capital Funds.

Please Note:

*Mutual funds are offered through Credential Asset Management Inc. and mutual funds and other securities are offered through Credential Securities 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, cash balances, mutual funds and other securities are not covered by the 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. Credential Securities Inc. is a Member - CIPF. Ethical Funds® are available only to Canadian residents. 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.

Referrals available to:

• Financial Planner
• Insurance Services
• Credential Asset Management Inc. Mutual Funds Investment Specialists
• Credential Securities Inc. Investment Advisors

ACU Insurance Services Inc. offers financial management, life insurance and investments to members/clients of credit unions and their communities.

• 24-hour access to your account via ATM or at stores, restaurants and retail outlets worldwide.

• A card that looks like a credit card but debits your account like a cheque.
• No credit card bill to pay, credit limit based on funds available in your account.
• Travel and warranty benefits.

• Convenient monthly statement - buy now, pay later.
• Travel and warranty benefits.

• Available for students attending post-secondary education.
• Students must be 18 years of age.
• Some restrictions apply.

• Merchandise and travel loyalty point program $1 = 1 point.
• Minimal annual fee.

• Consumer loans
• Student loans.
• Business loans.
• Agricultural loans.
• Quick loans.
• RRSP Loans.

• Residential.
• Commercial.
• Agricultural.
• CMHC (Canada Mortgage and Housing Corp).
• Mortgage life insurance available at minimal cost to member.

• Night Depository - allows members to make deposits after hours, minimum annual fee.
• Safety Deposit Boxes - secure storage for valuables, minimum annual fee.
• Direct Deposits - safe, reliable electronic deposits.
• Money Orders - Canadian and U.S. currencies, minimum charge.
• Traveller’s Cheques - Canadian and U.S. currencies, minimum charge.
• Automatic Transfers - transfers automatically generated to cover overdrafts or make loan payments.

"Standards & Poor’s®" and "S&P®" are trademarks of the McGraw-Hill Companies, Inc. "TSE®" is a trademark of the Toronto Stock Exchange. These marks have been licensed for use by Credit Union Central of Saskatchewan. The Product(s) is/are not sponsored, endorsed, sold or promoted by Standard & Poor’s or the Toronto Stock Exchange and neither party makes any representation or warranty regarding the advisability of investing in the Product.