Don’t just save your money, grow it with savings accounts that give you:
Competitive interest rates right from dollar one
100% deposit guarantee
No minimum balance requirement
Access your money while it grows with day-to-day chequing accounts that give you:
Optional overdraft protection
Access to 1,800+ ding free® ATMs across Canada
Help your child build financial independence one step at a time.
Choose a savings account, an account for day-to-day spending, or both
Accounts earn interest right from dollar one
No monthly fees
Affordable banking for students pursuing post-secondary education at a university, college, or trade school.
Access to a full suite of online and digital banking solutions
Proof of enrollment is required
Manage your accounts your way with easy and effortless banking options including:
Online banking options for every account size
Dedicated tellers at every branch
Low-risk investing with GICs in various term lengths, available in both Canadian and U.S. funds.
Earn a guaranteed rate of return
GICs are also available in an RRSP, RRIF, or TFSA
Save for a rainy day, a big purchase, or get ready for retirement with a Tax-Free Savings Account.
All returns are tax-free
Manage your TFSA online or using the SCU app
Access your funds when you need them
Save for your retirement and reduce your taxable income now with an RRSP.
Enjoy tax-deferred savings
Make tax-deductible contributions
Choose from a variety of investing options
Give a child in your life a head start on their
post-secondary education with an RESP.
Increase savings with government grants
Convert your RRSP to a RRIF and enjoy a steady income while still earning interest on your money.
Control your income
Continue to grow your money tax-free
Use an RDSP to provide future financial security for an individual who receives the disability tax credit.
Earn tax-sheltered interest
Keep existing disability benefits
Reach your investment goals with online investing made easy by Qtrade Investor and VirtualWealth®.
Advanced investment software
Fast, friendly, and knowledgeable customer support
Invest in your future with some of the best home mortgage options available and get:
Competitive variable and fixed interest rates
Up to 25 years to repay with as little as 5% down
Pre-payment and extra-payment privileges
Invest in your future with some of the best condo mortgage options available and get:
90-day rate guarantee
Re-imagine your living space and increase the value of your home with a renovation mortgage and get:
Variable or fixed rate options
Leverage existing or “as-complete” home equity
Make your dream home a reality with self-build mortgages that give you:
A 12-month interest-only period
Access to funds when and how you need them
Contract-build mortgages offer a variety of options suited to the building process including:
Build a personal portfolio of rental properties with specially designed mortgages that give:
25 years to repay
Pre-approval based on projected rental income
Up to six rental units at our personal rate
Realize your dream of owning a cottage or vacation property with a mortgage that gives you:
Up to 80% financing
Ability to purchase on government leased land
Our New to Canada mortgage is designed to help newcomers find a home in their new community. We make this easier with:
No income verification requirements
Flexible payment options
We've been lending specialists for more than 75 years. We'll make sure you always get the best mortgage.
Expertise to craft custom solutions for unique needs
Local, in-house decision making
As little as a 5% down payment and up to 25 years to repay
Get the funds you need to consolidate your debt, contribute to your RRSP, or make a large purchase.
Competitive interest rates
Flexible repayment plans
No pre-payment penalties
Get the right amount of money at the right time with a pre-approved credit limit.
Get approved once, access funds as you need
Only pay interest on the funds you use
Our most prestigious card offering elite-level privileges, unique benefits, and exceptional service wherever you go.
Covering everything from baggage loss to emergency healthcare, this one card lets you rest easy when you’re on the go.
Shop in the U.S. and skip the exchange fees. No foreign transaction fees mean even more savings on everything you buy.
A no frills card that gives you a low annual fee, low interest rate, and essential purchase protection.
Earn reward points while enjoying a low interest rate on purchases and cash advances.
Make everyday buying a bit more rewarding! Earn cash rewards on everyday purchases.
Make sure your family is taken care of in case of death, disability, or critical illness.
Protect your estate from taxes
Replace lost income, preserve or supplement retirement savings
Cover funeral costs, mortgage repayment, and children’s tuition
Cover loan payments in case of the unexpected. Coverage options include: life, disability, critical illness, or loss of employment.
Protect your assets
Safeguard your savings
Maintain current credit score
Protect your biggest investment; your home! Coverage options include: life, disability, critical illness, or loss of employment.
Enrolling is easy and arranged at the time of your mortgage application
Safeguard your home from theft and other unforeseen events.
No premium increases for client‐paid claims
Claim counselling service for all your questions
Easily manage your policies online
Enjoy your trip worry-free with coverage for missed flights, trip cancellations, lost luggage, and hospital visits.
Up to $10 million coverage for emergency hospital visits or medical care
Multi-trip plan insurance for those who travel multiple times a year
24/7 access to multi-lingual emergency travel assistance
November 13 , 2020
Debit cards at Verifone POS terminals
Whether saving for a rainy day, a big purchase, or getting ready for retirement,
there’s a Tax-Free Savings Account to help get you there.
A Tax-Free Savings Account is a general-purpose account, that can hold savings as well as higher interest-earning investments, such as GICs, mutual funds*, publicly traded securities*, or bonds*. While the money you invest in a TFSA is not tax deductible, all your investment growth is tax-free and any contributions, interest earned, dividends or capital gains can be withdrawn without having to pay taxes.
TFSAs can be opened by any Canadian resident 18-years or older with a valid Canadian Social Insurance Number. Earn tax-free investment income and more easily meet your lifetime savings needs with TFSAs for every need and goal.
Choose a term length that works for you. Earn a guaranteed rate of return, and enjoy our 100% deposit guarantee.
5-year term, tiered rates starting at $100K
Choose from convenient 1 to 5-year terms with a minimum investment of $500
Interest is paid annually and can be compounded (added to the GIC) or paid out to your TFSA variable savings account
100% deposit guarantee by the Deposit Guarantee Corporation of Manitoba
Choose this high-interest, variable-rate savings option while you decide the best way to invest your TFSA funds.
Earn interest right from dollar one with highly competitive interest rates
Interest calculated on minimum monthly balance and paid annually on December 31
Watch your savings grow. With a TFSA you don’t pay any taxes on the interest you earn, even when you withdraw funds. Use your TFSA funds any way you like without any tax penalties.
Your contribution room is cumulative; carry over any unused contribution room to the next year. And when you withdraw money, you get that contribution room back on January 1 of the following year!
Automatically transfer funds to your TFSA monthly. It’s easy but remember to monitor your contributions so as not to exceed your limit each year.
You can make regular contributions to your TFSA throughout the year without needing to have an earned income. However, it is your responsibility to make sure you do not go over your maximum yearly contribution limit.
Any over-contributions are subject to penalties and interest. The Canada Revenue Agency sets the yearly contribution limit (see table below).
Unused contribution room is accumulated every year to a maximum limit. Any withdrawals from your account will be added back as contribution room in the next year.
TFSA Annual Limit
TFSA Cumulative Limit
Find out how these two accounts work together to give you great rates and a flexible savings option.
Learn smart investment tips to maximize your potential savings and reach your goals.
Get expert advice on the smart way to diversify your portfolio to save big.
*Mutual funds are offered through Credential Asset Management Inc.
Mutual funds and other securities are offered through Credential Securities, a division of Credential Qtrade Securities Inc. Credential Securities is a registered mark owned by Aviso Wealth Inc.