Planning and Advice


At Encompass Credit Union, we take pride in our ability to get to know you and recommend solutions that can improve your financial life. We know that you are unique and, whatever Stage of Life you're in, your needs are also unique. In this section, we've provided a wealth of advice and tools that can help you thrive in every stage of your life.

  • MAJOR PURCHASES:  Over the course of your life, you can expect to make several major purchases. Whether you're buying a car, planning a vacation or looking into owning your own home, there are some basic guidelines that can help you when making any large purchases. From loans and mortgages to long term savings plans, we can help you with these life-changing investments.
  • RETIREMENT:  Whether you're thinking about an RSP or planning a new budget around your pension or other income, there are some things you should know about your finances during retirement. Let us show you the options available and help you get the most out of your money in later life.
  • EDUCATION:  At Encompass Credit Union, we know how important an education is in today's world... and that it can be expensive. From saving and investing for your education, to applying for loans to help cover the cost of tuition or other expenses, we have a variety of financial options to help you realize your educational dreams.
  • FAMILY:  Family is important and no matter how large or small your family may be, careful financial planning can make a big difference in your family's quality of life. Whether you're looking at long-term investments or simply trying to balance your current budget, we want to help you create a financial plan that will best help you and your family.
  • TOUGH TIMES:  Unfortunately, most of us go through financial difficulties at one time or another. Being prepared and aware of your financial options can help you get through these times financially and emotionally. At Encompass Credit Union, we're here to help you get through the difficult times and get back on your feet.

When you hear the word 'budget', it probably conjures up thoughts of unpleasant spending limits, penny pinching and doing without. However, budgets aren't all negative. In fact, they can help to manage your money better so that you can reach your financial goals. We'd love to help you get started with a sensible, painless and successful budget.

Here are two budgets to get you started:

  • Basic Budget: This basic budget will provide you with some guidance to get you started.
  • Comprehensive Budget: If you're serious about tracking and saving your pennies, check out our comprehensive budget.

               - Section 1: Goals
               - Section 2: Net Worth Calculator
               - Section 3: The Budget
               - Section 4: Transaction Record

You can also visit our Tools and Calculators page to help you calculate your savings and so much more.

Planning and setting goals can be helpful when you are doing a budget and our Setting Goals Worksheet can help you do just that!



Our knowledgeable and understanding staff are also available if you're looking for more information or preparing to put your plans into action. You can call your local branch to set up an appointment, complete our online contact form, or email us.


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