Products

Dodsland & District Credit Union
~ Deposit Products ~

Chequing Accounts

The Personal Chequing Account offers the following benefits:

Access to your funds at over 15 million ATM locations around the world
MemberCard Direct Payment: works just like cash
MasterCard Global Payment Card: works just like a cheque
Revolving Credit: a personal credit limit that is there when you need it
Monthly statements are included with your cancelled cheques

Savings Accounts

The Special Savings Account Interest on these accounts are paid on June 30th and December 31st based on your minimum monthly balance.

The Plan 24 Account puts your money to work 24 hours a day, 7 days a Week! Interest is calculated every 24 hours on the daily account balance, no matter when you deposit or withdraw your money. No minimum balance is required and your money is accessible when you need it.

The RRSP Variable Savings Account enables you to make contributions when you choose. Money can be automatically deposited into your RRSP on a weekly, semi-monthly or monthly basis. You'll never have to rush to meet the RRSP contribution deadline again! Once a minimum balance of $500 is achieved, your funds can be transferred to a higher interest-bearing fixed deposit. Interest is calculated on the daily minimum balance and paid twice each year. By contributing on a monthly basis, you earn more interest than by waiting to make a lump sum deposit at the end of the year.

Registered Products

Registered Retirement Savings Plans (RRSP) provide you with:

an unlimited guarantee on your investment, including all principal and interest
guaranteed rates of return
tax savings

As good as this sounds, we know coming up with that money is not always easy, especially near the contribution deadline. That is why we offer competitively priced RRSP loans. It's never too soon or too late to start planning and saving for your retirement!

Our Locked-In Registered Accounts (LIRA) enable you to transfer locked-in pension plans into RRSPs. LIRAs offer the same features as all of our registered products.

Registered Retirement Income Funds (RRIF) provide you with a variety of retirement income options that are flexible enough to meet your needs. RRIFs also continue to tax shelter your hard-earned savings.

Registered Education Savings Plan (RESP) can help you to combat the rising costs of post-secondary education. In today's economy, a post-secondary education greatly improves your career or job opportunities and quality of lifestyle. Saving now can help you secure your child's or grandchild's future.

The Federal Government recently announced that it will contribute 20% of the first $2,000 contributed annually to an RESP for the first 18 years to a lifetime maximum of $7,200.00. (Some restrictions apply, see us for complete details).

Net Income Stabilization Accounts (NISA)

The Net Income Stabilization Account (NISA) is a voluntary farm stabilization program that allows farmers to deposit into their own NISA Account in good years, to be drawn on in years of declining income. Deposits receive interest bonuses and may be matched-up to a certain limit-by the government.

Dodsland Credit Union is pleased to offer you a variety of investment options. Your NISA deposits will go to work in the community and your money is protected by the Unlimited Guarantee provided by the Credit Union Deposit Guarantee Corporation.

Click here for more information on NISA

Term Deposits

All funds on deposit carry the "CREDIT UNION DEPOSIT GUARANTEE CORPORATION'S UNLIMITED GUARANTEE"

Redeemable Investment Options
30 to 364 Day Term Deposits and 1- 5 Year Term Deposits are available at competitive interest rates to meet your investment requirements. These deposits offer:

Fixed Guaranteed Interest Rates
The convenience of automatic principal reinvestment at maturity

Mutual Funds

Ethical Funds let you feel good about where your money is going

You want solid returns from your mutual funds, but you don't want your investments to support companies that exploit child labour or profit from tobacco or weapons of mass destruction.

Impossible? Not with Ethical Funds.

Over the past 15 years, Ethical Funds has proven that you can achieve superior financial concerns and give you a voice where it counts: in the corporate boardroom. That's why we're Canada's leading family of socially responsible mutual funds.

With Ethical Funds, professional money managers help you share the success of companies with solid growth potential. They also make sure every portfolio reflects the commonly held values of our investors. Each potential investment is screened using our six Ethical Principles. We even give companies feedback to let them know how they can meet our standards. In this way we can help raise the bar for corporate social performance.

With 12 Ethical Funds to choose from, you can invest at home in Canada, or take advantage of world markets. You can even surpass the foreign content limit in your RRSP. The new Ethical RSP Global Equity Fund and Ethical RSP North American Equity Fund increase potential returns from foreign investments, while remaining 100% RRSP eligible.

Ethical Funds are no load. That means no commissions are charged when you buy or sell, so more of your money goes to work for you right away.

Ask Dodsland Credit Union about a plan that will help you achieve your financial dreams. For more information about Ethical Funds and our Ethical Principles, or to see the current rates of return, visit the Ethical Funds Web site at www.ethicalfunds.com

Important Information

The information in this communication is subject to change without notice. Ethical Funds will not be held liable for any inaccuracies in the information not maintained by Ethical Funds, such as a linked site. This communication does not constitute an offer or solicitation by anyone in any jurisdiction in which such an offer or solicitation is not authorized or to any person to whom it is unlawful to make such an offer or solicitation. This communication is intended for Canadian residents only.

Important information about Ethical Funds is contained in their Simplified Prospectus, a copy of which can be obtained from any credit union that offers Ethical Funds for sale. Please obtain a copy of the prospectus and read it carefully before investing.

The information on this Web site is provided by Credential Asset Management Inc., the distributor of Ethical Funds. Units in mutual funds are not "deposits" insured under the provisions of the Canada Deposit Insurance Corporation Act (Canada), are not insured by the Régie de l'assurance dépôts du Québec or under any other legislation. Ethical Funds are sold in the following provinces: British Columbia, Alberta, Saskatchewan, Manitoba, Ontario, New Brunswick, Newfoundland, Prince Edward Island and Nova Scotia. The unit values, yields and investment returns of mutual funds are subject to market fluctuations.

Restrictions on Offering
The information provided on this Web site should not be construed as an offering. The offering of Ethical Funds is made only by their Simplified Prospectus, only in jurisdictions where they may be lawfully offered and only by persons permitted to make such offering. Persons accessing this Web site should inform themselves about and observe laws applicable in jurisdictions where they reside. For instance, Ethical Funds are not available to residents of the United States.

Not Professional Advice
This information is not intended to provide specific legal, accounting or tax advice and should not be relied upon in that regard. Persons accessing these pages are advised to obtain proper legal, accounting or tax advice where appropriate.

Accuracy of Information
In some cases, information provided on this Web site has been obtained from other sources. While Credential Asset Management Inc. endeavours to maintain the accuracy of all information (including investment-related news, prices and statistical data) it makes no representation or warranty as to the accuracy of this information and cannot be held responsible for errors or omissions.

Applicable Agreements
All products and services are subject to the terms of the applicable agreements governing their use.

Currency
Unless otherwise specified, the currency used throughout this Web site is in Canadian (CAD) dollars.

Security and Non-Responsibility
E-mail messages sent to us over the Internet cannot be guaranteed to be completely secure. We will not be responsible for any damages incurred by you if you send a message to us, or if we send a message to you at your request, over the Internet. We are not responsible in any manner for direct, indirect, special or consequential damages arising out of use of this Web site.

Hyperlinks are Not Endorsements
Links to other Web sites or references to products, services or publications (other than those of Credential Asset Management Inc. and its subsidiaries and affiliates) do not imply the endorsement or approval of such Web sites, products, services or publications by Credential Asset Management Inc. or its subsidiaries.

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