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Our Mannville Branch remains temporarily closed while repairs are underway. In the meantime, we're happy to serve you at our Vermilion Branch or through online banking. Thank you for your patience!

Invest for what comes next
Whether you're building an emergency fund, saving for a home, planning for retirement or putting money away for someone you love, the right investment starts with understanding what you're working toward. 

At VCU, we'll help connect your goals with investment options that fit your timeline, your comfort level and your plans for the future. 
Short Term Goals
Goals coming up in the next few years
You may be saving for:
 
  • Emergency savings
  • A vehicle
  • A vacation
  • Home renovations
  • A large purchase
 
You may be looking for:
 
Flexibility and access to your money when you need it. 
 
Medium Term Goals
Goals you're building toward over time
You may be saving for:
 
  • A down payment
  • Starting a business
  • Education
  • A major life change

You may be looking for: 
 
A balance between growth and accessibility. 

Long Term Goals
Building financial security for the years ahead
You may be saving for:
 
  • Retirement
  • Leaving money for the next generation
  • Long-term wealth building
You may be looking for:
 
Long-term growth and tax-advantaged saving opportunities
Investing for your business or farm? 
Your investment goals don't stop at your personal finances. Whether you're setting aside excess cash, planning for a major purchase, preparing for retirement or building a benefits program for your team, investing plays an important role in your operation.


Business and ag members can explore options such as:
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Set aside funds you don't need immediately and earn a guaranteed return while you work toward a future business or farm goal. 
Put excess funds to work with professionally managed investment options designed around your goals, timeline, and comfort with investment risk. 

Mutual funds and other securities are offered through Aviso Wealth, a division of Aviso Financial Inc.
Help your employees save for retirement with a group RRSP program that makes regular contributions simple and convenient. 
What is a Group RRSP? A group RRSP helps your employees save for retirement by contributing to their plan on a monthly basis. In addition to receiving a tax deduction for their contributions, plan holders do not pay tax on their earnings until the funds are withdrawn. At the same time, the employer may contribute to the employee's plan if they choose. Contributions may be as little as $50 per month. 
 
Who can Invest? You employee can contribute to the Group RRSP from their monthly pay cheque. You as the employer can also contribute on behalf of your employees if you choose. 
 
Why should I have a Group RRSP? A Group RRSP is a great employee benefit you can offer. Whether you choose to contribute to your employee's RRSP or not, it provides a savings vehicle to ensure they have savings for their retirement. 
 
Contribution Limits: Contributions can be as little as $50/month. In some cases you may wish to contribute a percentage of the employees salary. 
 

 
Talk to us about your business or farm goals
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Contact us

First Home Savings Account (FHSA)

With the new First Home Savings Account (FHSA) you can make your dream of owning a home a reality. Take advantage of the great benefit of saving up to $8,000 a year tax-free with this registered account!
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Guaranteed Investment Certificate (GIC)

This type of investment guarantees you a set return on your money over a fixed period of time. 
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Registered Retirement Savings Plan (RRSP)

Save money for your retirement.
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Tax Free Savings Account (TFSA)

Earnings within a TFSA are not subject to income tax.
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Registered Education Savings Plan (RESP)

Save for your child's future post-secondary education expenses.
Learn More

Registered Retirement Income Fund (RRIF)

Pay yourself in retirement.
Learn More

Registered Disability Savings Plan (RDSP)

Save for the long-term financial security for someone with disabilities.
Learn More

Mutual Funds

Mutual Funds offer the advantages of diversification and expert asset management. 
Learn More
Mutual funds and other securities are offered through Aviso Wealth, a division of Aviso Financial Inc.
 

Online Investing
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Qtrade Direct Investing®

You've got goals. For your future. For your family's future. Pursue them with confidence that comes from expanded investor knowledge and expert insights. And from tools that help guide your investment decisions. We've partnered with Qtrade Direct Investing® so you can start working toward those financial goals. Buy and sell stocks, bonds, EFTs, and mutual funds - with low trading fees. 
Learn More

Qtrade Guided Portfolios®

Looking for a smart, easy way to build wealth online? Getting started is easy. Tell Qtrade Guided Portfolios® a little about yourself and you'll receive a recommendation for an expertly designed portfolio that fits your needs. Then fund your account online and Qtrade Guided Portfolios® will do the rest for you. 
Learn More

Year-end tax tips
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If you’re looking to boost your tax savings as year-end approaches, join us for a 60-minute webinar on December 2 with tax expert Doug Carroll. He’ll share essential year-end tax tips for ‘26, addressing key topics such as savings and retirement, disability needs, and insights for investors and markets.

Doug Carroll, resident tax expert with Aviso Wealth Inc., previously ran an estate planning law practice, so is
ideally suited to guide guests through the key documents, critical roles and common issues that arise in
estate matters. Starting with “who” you most care for, we’ll walk through the many ways “how” to transfer
“what” you’ve accumulated, all with an attentive eye on tax opportunities and hazards along the way.
Don’t miss out on this opportunity to get your financial future on-track.

Register for this free webinar today!

Date & Time: Wednesday, December2, 2026 (two session available)
Speaker: Doug Carroll, Tax & Estate Specialist at Aviso Wealth Inc.
Platform: Zoom
Cost: Free - Register below

We are proud to host this special event in partnership with Aviso Wealth.

Mutual funds and other securities are offered through Aviso Wealth, a division of Aviso Financial Inc. Aviso Wealth Inc. ('Aviso') is a wholly owned subsidiary of Aviso Wealth LP, which in turn is owned 50% by Desjardins Financial Holding Inc. and 50% by a limited partnership owned by the five Provincial Credit Union Centrals and The CUMIS Group Limited. The following entities are subsidiaries of Aviso: Aviso Financial Inc. (including divisions Aviso Wealth, Qtrade Direct Investing, Qtrade Guided Portfolios, Aviso Correspondent Partners), and Northwest & Ethical Investments L.P

__________
 
Session 1

Wednesday, December 2, 2026
11:00 a.m. Alberta Time
Register

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Session 2

Wednesday, December 2, 2026
1:00 p.m. Alberta Time
Register

 

Credit Union Deposit Guarantee Corporation (CUDGC)

Deposits held in Alberta credit unions are fully guaranteed. There is no limit to the size of the deposit covered by the guarantee - this means both the money you put in and the interest earned is safe and secure up to any dollar amount. 
Learn More
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