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Wealth Services All it takes to get started is the decision to start saving. No matter where you are in your savings journey or what your goals might be, we can help.
Tools When it comes to money, having the right tools can give you the answers you’re looking for. How much do you need to save to buy a house? Or retire comfortably? What will it cost to send your kids to college? Our simple online tools can help. Go ahead. Check them out. You’ll be one step closer to your goal. Tools When it comes to money, having the right tools can give you the answers you’re looking for. How much do you need to save to buy a house? Or retire comfortably? What will it cost to send your kids to college? Our simple online tools can help. Go ahead. Check them out. You’ll be one step closer to your goal. Prosperity Planning Creating a road map for your future can seem overwhelming. But when the NCCU team is in your corner, it doesn’t have to be. We can help you make good decisions today and give you the advice you need to make future goals a reality. Plus, we’re friendly, easy to talk to and live by the promise to always do what’s best for you. Registered Savings Products These great products are all about taking care of the future and making the most of your money today: Registered Retirement Savings Plan Registered Retirement Savings Plan You’ve probably heard of RRSPs (registered retirement savings plan) but you might not know that they’re more than a great tool for retirement savings. Whether you're just starting out in the work force or are closer to retirement, RRSPs are one of Canada's best tax breaks. They also: offer the power of compound interest can be used to help you purchase a home can be used to fund your education We also offer RRSP loans to help you get started or boost your RRSP savings strategy. Registered Retirement Income Fund Registered Retirement Income Fund Once you’ve turned the ripe young age of 71, federal regulations require that you withdraw your RRSP contributions. A Registered Retirement Income Fund is one way to do that. Income from an RRIF is taxable and there is a minimum and taxable withdrawal required, but you can withdraw as much as you like each year. We can: set you up with monthly, quarterly, or annual payment options make sure you stay in control of how your funds invested help you convert to a more secure guaranteed income at any time Registered Education Savings Plan Registered Education Savings Plan Getting a higher education really does create possibility for everyone, but paying for it isn’t easy. Consider a Registered Education Savings Plan (RESP) to get you started. RESPs are a great savings tools to help you create an even brighter future for your children, grandchildren or yourself. With RESPs: you can set aside small monthly installments every month (to a maximum of $50,000 per child) you can receive up to $500 per beneficiary per year from the Canadian Education Savings Grant all the money earned within the plan grows tax-free until withdrawn only the accumulated interest is taxable as income once the beneficiary enrolls in his/her studies Registered Disability Savings Plan Registered Disability Savings Plan A Registered Disability Plan (RDSP) is a savings plan designed to help parents and other family members prepare for the future security and well being of a person with disabilities. Once you open an RDSP, you can also apply for the Canada Disability Savings Grant (up to $70,000) as well as the Canada Disability Savings Bond (up to $20,000). Contact us for more information and eligibility. Tax Free Savings Account Tax Free Savings Account The Tax Free Savings Account (TFSA) makes growing your nest egg a little easier. The TFSA is a registered savings plan that allows you to invest up to $10,000 per year and withdraw funds whenever you want to, all without a paying a penny in taxes on the investment income you earn. With a TFSA, you can: contribute a maximum of $10,000 per year carry your unused contributions forward indefinitely hold a variety of investments Investment Loans Whether you need to start, top up or maximize your RRSP contributions, taking out an investment loan to help you do it is a smart idea. This ‘good debt’ not only saves you money today, it also increases your long-term financial growth and boosts your savings. With rates as low as prime and deferred repayment plans, it just makes good financial sense: RRSP Take 10 Loan RRSP Take 10 Loan If you’re looking to max your contribution room, ask us about our Take 10 RRSP Loan. With amortization of up to ten years and a rate of prime + 1.0% you’ll have low monthly payments. You could also use your income tax refund to repay the loan. Whatever your circumstances may be, we are more than happy to assess your needs to help you decide whether a Take 10 RRSP Loan is the right decision for you.	About Credential Credential Financial Inc. is a national wealth management provider that was founded by the Canadian credit union system. Credential Financial Inc. makes it possible for Canadian credit unions like NCCU to offer members an integrated range of products and services to meet their financial needs: More Details More Details Your money is important to you, and it’s important to us too. That’s why we’ve partnered with Credential Asset Management, a leader in the area of wealth management and the investment provider of choice for Canadian credit unions and their members. Credential advisors can be found in our branch, providing investors with expert advice and guidance on growing and protecting their money and to help them build a mutual funds portfolio. For more information on Credential, or on building and protecting your wealth, contact us. Mutual Funds are offered through Credential Asset Management Inc. Mutual funds and other securities are also offered through Credential Securities. Qtrade Investor and Credential Securities are divisions of Credential Qtrade Securities Inc., which operates as a separate business unit. Mutual funds, other securities and cash balance are not covered by the Canada Deposit Insurance Corporation or by any 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 Qtrade Securities Inc., is a Member of the Canadian Investors Protection Fund. Credential Financial Strategies Inc. is a member company under Credential Financial Inc., offering financial planning, life insurance and investments to members of credit unions and their communities. We'll Come To You If you can’t make it in to see us about investments, we will come to you, both during and after regular business hours. Whether it’s in our branch, a coffee shop or in the comfort of your home, we offer great advice, excellent products and a plan that will get you closer to your goals. Get in touch with us today for more information: Contact Us Investing Products that will work for you no matter what you need or what the size of your account may be: Term Investments Term Investments How does a guaranteed return on your investment sound? We can make that happen with our great line-up of term investments. Whether you’re looking to invest cash for the short term or want to set something aside for a longer term, we can provide you with term investments that will meet your needs. What makes our term investments even better is knowing that whatever happens to the market, your investment and return is always guaranteed. We offer: Redeemable term investments that give you the flexibility to withdraw at any time or on anniversary date Non-Redeemable term investments that lock in your investment for a longer term All of our term investments offer: flexible maturity dates from 30 days to 5 years minimal deposits starting from $500 guaranteed fixed rate of return automatic renewal Plus, no matter what the size of your term deposit may be, the principal is 100% guaranteed by the CUDGC. For more information on our term investments or to book an appointment with one of our specialists, contact us. Index Linked Deposits Index Linked Deposits What if you could get your term deposits to grow a little more aggressively without any risk to your principal? You can do this with an Index-Linked deposit. This fixed-term investment pays a return based on the performance of one or more stock-market indexes, offering term-deposit security with the potential of stock-market returns. We have two Index-Linked Deposit products to choose from: MARKETFLEX With the MARKETFLEX® Index-Linked Deposit, your rate of return is linked to the average monthly performance of the S&P/TSX 60® Index. This term deposit offers all the potential of stock market gains with the comfort of knowing there is no risk to your principal. It’s also RRSP eligible. PRAIRIES BASKET Prairies Basket Equity-Linked Deposit® The Prairies Basket Equity-Linked Deposit® gives you the chance to profit from the success of companies in Alberta, Saskatchewan and Manitoba. These companies have been chosen encompass a wide variety of industries. This product is RRSP eligible, returns are calculated using an average of monthly index returns and there is no risk to your principal. Mutual Funds Mutual Funds Providing our members with the very best in investment service includes partnering with Credential Asset Management Inc., the finest mutual funds specialist, in the industry. Credential Asset Management is part of Credential Financial Inc., a national wealth management provider founded by the Canadian credit union system. Through our relationship with Credential Asset Management, a Mutual Funds Investment Specialist at NCCU can offer you access to a full line of mutual funds, including: AIM/Trimark Ethical Funds® AGF Fidelity AIC Franklin Templeton CI Funds Mackenzie Credential Select Portfolio Funds No matter where you happen to be on your financial journey, our Credential Asset Management Mutual Funds Investment Specialist can tailor an investment plan for you, 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 insured nor guaranteed, their values change frequently and past performance may not be repeated. Online investing with Qtrade Investor Online investing with Qtrade Investor We have partnered with Qtrade Investor to provide you with online investing from one of Canada’s best online brokers. If you prefer to self-manage your investments, Qtrade Investor empowers you to reach your investment goals: Exceptional value: $8.75 stock trades for everyone, regardless of your account value, and $6.95 stock trades for more active traders. Plus, choose from 100 free ETFs and trade mutual funds commission free. Outstanding service: Prompt, friendly service is part of the Qtrade experience. Get the right answers and solutions, right away. Knowledgeable investment representatives are ready to help you open a new account, transfer funds, or place a trade. Accounts you need: Non-registered and registered accounts, including cash, margin, RSP, TFSA, RESP, RIF, and more. Investment choices: Build a diversified portfolio from a wide range of investments including stocks, ETFs, mutual funds, bonds, GICs, and options, plus new issues/IPOs. Planning and research tools: In-depth research and powerful tools to help you set goals, find and evaluate investing ideas, and review your portfolio. Qtrade gives you all the essentials, plus plenty of extras, including real-time quotes, analysts’ recommendations, market news, investment screening tools, model portfolios, technical data, and much more. Convenient access: Stay connected to the markets, wherever, whenever. Invest, monitor your portfolio positions and access market information online, with Qtrade Mobile for iPhone, iPad, and Android. Award-winning trading experience: Qtrade Investor’s easy-to-use and comprehensive trading platform has consistently been rated among Canada’s best by independent reviewers, including The Globe and Mail, MoneySense, and Surviscor. Find out how Qtrade Investor can help you reach your financial goals. Online brokerage services are offered through Qtrade Investor, a division of Credential Qtrade Securities Inc., Member of the Canadian Investor Protection Fund.