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Retirement Savings Plan (RSPs)

When times are tough, make your retirement plan tougher.

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 understands our economy, and always puts your financial needs and aspirations first.

 

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.

 

You’ll be protected by a rock solid 100% Term Deposit Guarantee*, unique to credit unions.  

 

It’s your future. Book your free values-based financial plan appointment today.

 

Retirement Savings Plan

Redeemable: Step-Up 6+6 Effective Rate

1.45%

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

1.80%

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

2.15%

Non-Redeemable: 1-2 year Term Deposit

1.70%

Non-Redeemable: 2-3 year Term Deposit

2.00%

Non-Redeemable: 3-4 year Term Deposit

2.15%

Non-Redeemable: 4-5 year Term Deposit

2.25%

Non-Redeemable: 5 year Term Deposit

2.50%

?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.

 

Tell Me More

EARN UP TO 22% OVER THE NEXT 5 YEARS*

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?

 

THREE UNIQUE PRODUCTS TO CHOOSE FROM

  • Enhanced Growth Financial Services: Rate of return linked the performance of Canadian financial institutions.
  • Enhanced Growth Consumer Staples: Rate of return linked to the performances of international consumer staples companies.
  • Enhanced Growth Health Care: Rate of return linked to the performance of international health care industry companies.

Book An Appointment

 

1

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

2

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 3 October 2017. Terms and conditions apply. 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. Securities are offered through Qtrade Advisor, a division of Qtrade Securities Inc., Member of the Canadian Investor Protection Fund. 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.