Do You Have Questions?

Give us a call, we would love to answer them

1.866.923.4778

Email Us

Send us a message, it's easy

Contact Us

Find A Branch

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.

RSPs are a smart way to build your retirement savings through a government approved plan. Your RSP contributions, within limits, are tax deductible, and the income including any earned from investments is tax sheltered. Invest regularly to maximize your gains!

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.

 

 

RELATED DOWNLOADS:

Retirement Savings Plan

Non-Redeemable: 5 year Term Deposit

1.35%

Non-Redeemable: 4-5 year Term Deposit

1.30%

Non-Redeemable: 3-4 year Term Deposit

1.20%

Non-Redeemable: 2-3 year Term Deposit

1.15%

Non-Redeemable: 1-2 year Term Deposit

1.00%

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

1.20%

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

1.10%

Redeemable: Step-Up 6+6 Effective Rate

0.85%

1

Enhanced Growth Term Deposits

    Enhanced Growth Non-Redeemable Term Deposit brings together the growth potential of the stock market with the comfort of the Credit Union Deposit Guarantee. Choose from:
  • Enhanced Growth Financial Services: Rate of return linked the performance of Canadian Financial institutions
  • Enhanced Growth Canadian Diversified: Rate of returm linked to the performance of a diversified range of Canadian companies
  • 3-year or 5-year options available
  • $500 minimum investment required
  • Free of administration fees and purchase commissions
2

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
3

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 11 March 2020. 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. 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.