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Invest in your future with ACU’s registered plans

Whether you're saving for retirement, a first home, education or disability support, registered plans offer tax advantages to help you reach your financial goals. Explore our range of plans and find the right fit for your needs.

Maximize your savings with tax-advantaged investment plans. 

At Assiniboine Credit Union, we offer registered investment plans designed to help you grow your savings while maximizing tax benefits. Whether you’re saving for retirement, a child’s education or long-term financial security, our wealth registered plans provide flexible and secure options tailored to your needs.

Why choose ACU for your registered plans?

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Tax-efficient savings

Our plans help you reduce taxable income, defer taxes and grow savings tax-free.

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Flexible investment options

Choose from a range of investment products within your registered plan, like term deposits and mutual funds*, including socially responsible investment options.

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Expert financial advice

Our wealth advisors provide personalized guidance to help you reach your financial goals.

Local and values-based

As a member-owned, value-based B Corp organization, we prioritize the well-being of our members and the communities we serve.

FHSA, TFSA and RRSP comparison

The FHSA, TFSA and RRSP offer tax efficient savings, but there are key differences.

Features

FHSA

TFSA

RRSP

Purpose Save for down payment General savings Save for retirement
Tax deductible contribution
First 60-day contribution provision
Contribution limit based on earned income
Spousal contributions allowed
Qualifying withdrawals impact federal gov't benefits
Tax-free growth
Tax-free withdrawals

Your questions answered

How do registered plans reduce taxes?

Each plan has unique tax benefits, such as tax deductions (RRSPs), tax-free withdrawals (TFSAs), or government grants (RESPs, RDSPs), helping you maximize savings.

What investments can I hold in my registered plan?

ACU in partnership with Aviso Wealth offers access to a variety of investment options within registered plans, including cash savings, GICs, mutual funds, stocks, bonds, and ETFs. We can customize your portfolio to match your risk tolerance and savings goals.

How do I get started?

Book an appointment with an ACU wealth advisor to discuss your options and set up a registered plan that fits your financial strategy.

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Ready to get started?

Our knowledgeable advisors are here to help you take the next step—whether you're opening a new account, planning for the future or simply exploring your options. Let’s talk about what’s right for you.

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*Mutual funds and other securities are offered through Aviso Wealth, a division of Aviso Financial Inc. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Unless otherwise stated, mutual fund securities and cash balances are not insured nor guaranteed, their values change frequently and past performance may not be repeated.

Unless otherwise stated, mutual funds, other securities and cash balances are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions.