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Investments

 

Union Bay Credit Union offers a range of investment options to suit your needs. From Term Deposits and GICs and other products, we have an investment product to get your money growing.

 

Term Deposits & GICs

 

  • Term Deposits - 30 to 364 days
  • Guaranteed Investment Certificates (GICs) - 1 to 5 year terms
  • Non-Redeemable and Cashable
  • Minimum Deposit $500
  • Interest paid annually on anniversary date
  • Interest paid semi-annually is 1/8% less than the annual rate 
  • Interest paid monthly is 1/4% less than the annual rate

 

Registered Plans

 

  • Registered Retirement Savings Plan (RRSP)
    • SMART RRSPs      
    • 1 - Rate Maximizer - 3 & 5 year guaranteed Rate with options to reinvest on anniversary dates
    • 2 - Accumulator - weekly, bi-weekly or monthly deposits - minimum $50 
  • Registered Retirement Investment Funds (RRIF)
  • Registered Education Savings Plan (RESP)
  • Tax Free Savings Accounts (TFSA)

 

Our registered plans have the following requirements:

 

  • Non-Redeemable: Minimum deposit $500
  • Variable Rates: $50 deposit
  • No minimum deposit for RESPs
  • No administration fee

 

Money Max (Account type 13)

 

Daily interest savings with interest paid monthly.

  • Tiered Interest rates
  • 4 free self-serve debits per month
  • $.50 per self-serve debit after first 4 
  • $1 per in-branch debit
  • Interac and Plus ATM charges $2
  • US ATM charages $3 / International ATM charges $4

 

Qtrade Investor Online Brokerage

 

  • Canada's Leading Independent Online Brokerage
  • Full range of investments including stocks, options and fixed income securities
  • Research, news, real-time quotes, portfolio watchlists, e-mail alerts and more
  • Low trading commissions 
  • Easy electronic funds transfer to and from your Union Bay chequing account
  • CIPF coverage of $1 million plus $10 million additional coverage per account
  • "Online brokerage services are offered through Qtrade Investor, a division of Qtrade Securities Inc., member IIROC and CIPF."

 

For more information or to apply now click here.

 

At Union Bay Credit Union, deposits are 100% guaranteed by the Credit Union Deposit Insurance Corporation of British Columbia.

 

For more information on the Credit Union Deposit Insurance click here.