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Investment Options

From registered to non-registered, we offer a range of solutions to help you create a winning investment portfolio.

Term Deposits

Get a competitive rate of return, as well as peace of mind knowing your investments are guaranteed.

Long Term Redeemable Deposits

  • 1-5-year terms offered
  • Subject to an early redemption penalty


Long Term Non-Redeemable Deposits

  • 1-5-year terms offered
  • Attractive interest rates on deposit    
  • Should be held to the expiry date
  • Available within a TFSA

All terms will automatically renew for a like term upon maturity unless otherwise specified by the member.


Registered Plans

Enjoy special tax benefits with government-approved investments accounts.

Tax-free savings (TFSA)

A TFSA is a registered savings account that lets you earn investment income tax-free. Ask us what the limit set by the government is at the time of contribution.

Key Features

  • Contributions are not tax deductible
  • Any unused contribution room can be carried forward to future years. For information on carry forward room, contact 1-800-267-6999 Tax Information Phone Service (TIPS)
  • Any withdrawal you make adds extra contribution room to the following year.
  • CRA will determine your TFSA contribution room when you file your income tax. This will be reported annually on your Notice of Assessment.
  • Chequing, ATM and Bill payment privileges are not permitted
  • Overdrafts and coverdraft sweeping is not allowed
  • Funds can be transferred, withdrawn or deposited at your request
  • Fees as per Products, Services & Fees brochure
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Registered Retirement Savings Plan (RRSP)

An RRSP is a government-approved plan that allows you to save money for your retirement. Anyone who has "earned income" subject to Canadian taxation, including non-residents, may contribute to an RRSP.

Key Features

  • RRSP contributions reduce your taxable income, which is especially helpful during your peak earning years
  • Contributions can also be made to a plan in your spouse's name, with the tax reduction benefits going to you as the contributor
  • Because your RRSP is tax-deferred, your earnings will be tax sheltered until you withdraw them in retirement when you’ll likely be in a lower tax bracket
  • Unused contribution room can be carried forward to future years. Your contribution room will be reported on your Notice of Assessment.
  • Annual contributions can be made until December 31 of the year you turn 71
  • A portion of your RRSP savings can be used to buy your first home or pay for further education
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Registered Retirement Income Fund (RRIF)

An RRIF is a flexible income-producing investment that shelters your savings from tax, while allowing you to withdraw funds as needed during retirement.

Key Features
  • Your investments continue to grow tax–sheltered until money is withdrawn, when you’ll likely be in a lower tax bracket
  • You can manage the amount and frequency of your withdrawals, subject to the legislated minimum annual payment requirements
  • You can pass your RRIF assets on to your spouse tax-free if you pass away

Prairie Pride Credit Union offers the following RRIF options for your convenience:

  • Variable Plan – Rates fluctuate with the market. This plan is open and can be changed to a locked-in interest plan at any time
  • Fixed Plan – Available investment periods of 1-5 years and the interest rate is fixed for the length of the term chosen
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Ready to put the power of investing to work for your goals?

We’ll help you get set up with the right solution for you.

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See how smart investing can help you reach your goals faster.

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Take a look at our latest, competitive rates for investments.

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