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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


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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  • Funds can be transferred, withdrawn or deposited at your request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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First Home Savings Account (FHSA)
First Home Savings Account (FHSA) is a government approved registered savings account that is designed to help individuals save for the purchase of their first home on a tax-free basis. Contributions, within limits, are tax deductible and the income earned is tax sheltered.
The Registered Retirement One, Two, Three, Four or Five Year Term product has fixed interest rates. Terms are non-redeemable until maturity and will roll into a like term at maturity unless account holder notifies the credit union.
Key Features
  • FHSA contributions reduce your taxable income
  • Deposits fully guaranteed. Credit Union Deposit Guarantee Corporation guarantees the full repayment of deposits held in Saskatchewan Credit Unions.
  • Because your FHSA is tax-deferred, your earnings will be tax sheltered until you withdraw them 
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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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Calculators

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

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Rates

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

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AgriInvest


AgriInvest helps producers manage small income declines. Each year, producers can make a deposit into an AgriInvest account, and receive a matching contribution from federal and provincial governments. You can deposit up to 100% of your Allowable Net Sales (ANS) to your AgriInvest account every year and receive a matching government contribution on 1% of your Allowable Net Sales.

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File an income tax return

File an income tax return reporting farming income (loss) to the Canada Revenue Agency by the final filing deadline for the program year.

File your AgriInvest form

File an AgriInvest form reporting all elligible sales and purchases of allowable commodities by the final deadline of the program year.       

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You have 90 days from the date your Deposit Notice was issued to make a deposit to your AgriInvest account at your financial institution.

       Transfer your AgriInvest account to Prairie Pride Credit Union


Follow these two easy steps:


Step 1: Call AAFC toll-free at 1-866-367-8506 to ask for an AgriInvest Account Transfer form.

Step 2: Receive your transfer form, sign it and bring it into any branch to open your new account.

Your AgriInvest account will be on hold until the transfer is completed.

Please note: Moving your account does not extend your Deposit Notice deadline. Make sure your account is moved and your deposit is made before your deposit deadline.