INVESTMENT SERVICES
SmartSave Investment Savings AccountStocks Bonds and Mutual Funds - are offered through Credential Securities Inc.
Online Trading - is offered through Credential Direct®
Insurance and Segregated Funds - are offered through Credential Financial Strategies Inc.
RRSP
For further information on our investment services, please e-mail us at information@cornerstone.cu.sk.ca.
PERSONAL BANKING
SmartSave Investment Savings Account
- The SmartSave Investment Savings Account is a savings product offering a premium rate of interest on balances equal or greater than $5,000. The SmartSave offers the convenience of having full access to your funds whenever you need them. The funds are never locked in! This is the ideal product for those who want access to their savings, while earning "locked in" rates!
- The ideal short-term investment alternative…Cornerstone Credit Union offers short-term non-redeemable investments at money market interest rates. Rates fluctuate with the market allowing you to take advantage of higher rates.
- Cornerstone Credit Union offers a wide range of short and long term redeemable and non redeemable term deposits. Terms range from 30 days to 5 years. Rates are competitive. Feel secure knowing your investment is fully guaranteed by the Credit Union Deposit Guarantee Corporation and that your rate is fixed. See our staff today to review the many options available to you.
Periodically throughout the year, Cornerstone Credit Union offers Index-Linked Term Deposits. Returns on the MARKETFLEX™ Term Deposit are based on the performance of various market indices. These products offer the ability to participate in the Canadian stock market without risk to your principle investment. There are no commissions or management fees and deposits are fully guaranteed by the Credit Union Deposit Guarantee Corporation.
Registered Education Savings Plan
Each child holds a wealth of opportunity in their hands
Put the advantage of post-secondary education within their reach with Ethical Funds®
"Education is a gateway to higher earnings," according to Statistics Canada and the 2001 Census.
More than 60% of Canadians in the highest earning category — over $100,000 a year — have a university degree.
Between 1991 and 2001, average undergraduate tuition fees at Canadian universities rose by 135.4% — more than 6 times the rate of inflation. By the 2002/3 academic year, an undergraduate at a Canadian university faced tuition fees averaging $3,738 (Source: Statistics Canada, 2002). Fees are likely to continue to rise.
Whether you are hoping for your child to attend post-secondary school, or are an adult wishing to return to school yourself, you'll need a savings plan to make the dream a reality.
Ethical Funds: The socially responsible solution
Ethical Funds is Canada's leader in socially responsible investing with a full family of Funds to choose from for your education savings portfolio.
Ethical Funds screens all companies for investment fundamentals. Ethical Funds has also developed a Shareholder Action program to ensure that they screen with your values in mind. This is the heart of socially responsible investing.
Getting Started
Every dream is different and every student is unique.
That's why we recommend that you consult with your investment professional before you make any decisions about an education savings plan. They have the expertise to help you build a plan that works within your means to achieve your goals.
Talk to your Credential® Asset Management Mutual Funds Investment Specialist at Cornerstone Credit Union today about how Ethical Funds can become a part of your education savings plan. Investing with Ethical Funds can make a difference in the future of your child, and help companies make the world a better place for all children.
For more information, visit https://www.ethicalfunds.com.
Family of Ethical Funds
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If you want your money to be invested responsibly – both socially and environmentally – there’s only one clear choice. Ethical Funds is Canada’s most comprehensive family of socially responsible mutual funds. Our family of funds gives you a range of domestic and foreign investment options, so you can build a portfolio suited to your goals. Whether you are investing in registered or unregistered savings vehicles, the family of Ethical Funds is the responsible choice.
Ethical Funds® are sold in all provinces and territories across Canada
- There are thousands of mutual funds available on the market today. Sometimes the choices can be overwhelming. Ask a Mutual Funds Investment Specialist to help you choose the fund or funds that are right for you. Through Credential Asset Management Inc., credit union members have access to hundreds of the top performing mutual funds available today.
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 covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.
®Credential is a registered mark owned by Credential Financial Inc. and is used under licence.
- Through our partnership with Credential Securities Inc. (CSI), credit union members have access to full service brokerage functions. Our professional CSI Investment Advisor have access to full-service back office systems and support, equity and fixed income markets and up-to-the-minute research and information. Using an investment planning approach focused on your needs, goals and risk tolerance, our CSI Investment Advisor can help the experienced or novice investor meet their investment objectives.
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Introducing Credential Direct ®
The Power of On-line Trading. The Values of Your Credit Union. 
Trade any time, anywhere with Credential Direct. We are owned by the credit union system, so you get the same great service you expect from your credit union. Here are just some of the great features and benefits at Credential Direct that we have for you:
- Competitive Commission pricing
- Intuitive and User-Friendly Website
- Friendly and Efficient Customer Service
- Detailed Real Time Quotes
- Customizable charting tools
- Stock screening tools
- Tools for Technical Analysis
New clients can click here to open an account.
Mutual funds and other securities are offered through Credential Securities Inc. and Credential Direct®, a division of Credential Securities Inc., which operates as a separate business unit. 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 funds and other securities are not guaranteed, their values change frequently and past performance may not be repeated. Credential Securities Inc. is a Member - CIPF.
®Credential is a registered mark owned by Credential Financial Inc. and is used under licence.
- Whether it’s investing, capital preservation, estate planning, saving or insurance, credit union members can meet their wealth management needs through Credential Financial Strategies Inc.
A member-focused strategy that accounts for the separate and distinct financial needs of each member, Credential Financial Strategies offers credit union members across Canada the opportunity to obtain personal financial planning and analysis from qualified and experienced professionals without cost or obligation.
Credential Financial Strategies Inc. is a member company under Credential Financial Inc. offering financial planning, life insurance and investments to members of credit unions and their communities. ®Credential is a registered mark owned by Credenti
