Investing


EnCU Savings Accounts

SAVINGS ACCOUNTS

We have a wide variety of savings accounts to ensure that we have one that suits your needs!

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TERM DEPOSITS

If you're looking for a safe, low-risk place to keep your money and watch it grow, then a term deposit may be just what you're looking for!

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Term Deposits
Tax Free Savings Accounts

TAX-FREE SAVINGS ACCOUNTS

A Tax-Free Savings Account (TFSA) allows you to set money aside in eligible investment options to earn interest tax-free.

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RETIREMENT SAVINGS PLANS (RSP)

Contributions to an RSP (within your contribution limits) lower your taxes and any income you earn is tax-sheltered! It's a great way to save for retirement.

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RSPs
RIFs

RETIREMENT INCOME FUNDS (RIF)

A RIF is funded by your RSP investments and is designed to provide a source of income during your retirement. Your investments are still able to grow tax-deferred until the funds are withdrawn.

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REGISTERED EDUCATIONAL SAVINGS PLANS (RESP)

An RESP allows you to set aside money to be used by a beneficiary for post-secondary education. Any income earned within the plan is tax-deferred.

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RESPs
Financial Planning

FINANCIAL PLANNING

Whatever your plans and goals, it can be very helpful to sit down and do some financial planning. PlanWright Financial is a wholly-owned subsidiary of Encompass Credit Union created to provide financial planning, investment and insurance services to our members and the general public.

For more information, take a look at our PlanWright Brochure.

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ONLINE BROKERAGE

We have partnered with Qtrade Investor to provide you with online investing from one of Canada's best online brokers.

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Online Brokerage
Mutual Funds

MUTUAL FUNDS†

Our Credential Asset Management Inc. Mutual Funds Investment Specialists at PlanWright Financial specialize in mutual funds and will be able to assist you to choose the best option to meet your goals.

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†Mutual Fund Disclaimer: 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 or guaranteed and are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions. Their values change frequently and past performance may not be repeated. ®Credential is a registered mark owned by Aviso Wealth Inc.
 

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