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Retirement Savings Plan (RSPs)

Make the Most of Your Tax Refund This Year.

March 1 Is The Deadline To contribute to an RSP for the 2018 tax year.

Retirement. It can mean a lot of different things to different people. It could be just around the corner for you, or decades in the future. No matter where you’re at in your journey or what your retirement goals and dreams are, the First Calgary team always puts your financial needs and aspirations first.


Take advantage of one of these limited time term deposit offers today with a mimimum $5,000 contribution*:

  • 2.75% Non-Redeemable 1 year Term Deposit

  • 2.90% Non-Redeemable 18 month Term Deposit

  • 3.00% Non-Redeemable 3 year Term Deposit

These offers are only eligible for new investments.


More or less to invest? Let’s build a plan that balances your needs today, your savings for tomorrow and keeps you on a path to achieve your future goals and dreams. However you choose to save, you’re protected by a rock solid 100% Term Deposit Guarantee*, unique to credit unions.  


It’s your future. Book your appointment today!

Retirement Savings Plan

Non-Redeemable: 5 year Term Deposit


Non-Redeemable: 4-5 year Term Deposit


Non-Redeemable: 3-4 year Term Deposit


Non-Redeemable: 2-3 year Term Deposit


Non-Redeemable: 1-2 year Term Deposit


Non-Redeemable: Step-Up 18+18 Effective Rate


Non-Redeemable: Step-Up 9+9 Effective Rate


Redeemable: Step-Up 6+6 Effective Rate


?Did You Know

Use can up to $25,000 from your RSP to help buy or build a qualifying home under the Government of Canada’s Home Buyer’s Plan? You can also tap into it to help fund your education.


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Enhanced Growth Investments Deliver Results

Diversify your portfolio with a 3-year or 5-year Enhanced Growth investment, eligible as a Term Deposit, Tax-Free Savings Account or RSP! These unique products offer a rate of return linked to the market performance of key economic sectors with a guaranteed minimum interest income, plus your capital is 100% guaranteed at maturity regardless of market movements**.  Oh, and did we mention it’s free of administration fees and purchase commissions?



Enhanced Growth Financial Services: Rate of return linked the performance of Canadian financial institutions.


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Step-Up™ Escalating Term Deposits

  • 1 - 3 year terms
  • $500 minimum investment required
  • Redeemable and non-redeemable options
  • Earn Higher Rates for the second half of your term with an escalating interest rate
  • 20% Classic withdrawal option*
  • Interest paid annually


100% Guaranteed* Non-Redeemable Term Deposit

  • 1 - 5 year non-redeemable term options available with $500 minimum investment required
  • >1 year non-redeemable term options available with $2,000 minimum investment required
  • Interest calculated daily and compounded annually
  • Interest can be paid directly to you, compounded or transferred to another First Calgary Financial account

The Legal Stuff:

*Rates effective as of 4 February 2019. Terms and conditions apply. All limited time non-redeemable rate offers requiring a $5,000 contribution are new money eligible only. All principal and interest is 100% guaranteed by the Credit Union Deposit Guarantee Corporation, excluding common shares, investment shares, and mutual funds. All rates and products are subject to change without notice. Rates subject to change daily. Step-Up™ products are RSP/RIF/TFSA eligible. Step-Up™ 20% Classic withdrawal provides you with the flexibility to cash (redeem), without penalty, up to 20% of the original principal investment, on term deposits from 12 to 60 months, once each year. Mutual funds, other securities and securities related financial planning services are offered through Qtrade Advisor, a division of Credential Qtrade Securities Inc. Mutual Funds are also offered through Qtrade Asset Management Inc., Member MFDA. The advice on our website is prepared without knowing your personal objectives, financial situation or needs. Before you act on this or any advice, please consider if it's right for you, and reach out to our teams to help determine if the product is appropriate for you. Legal Terms of Use apply.