Short Term Redeemable Term Deposit A redeemable (cashable with penalty) term deposit
available with terms between 30 - 364 days.Interest rates generally increase as the term of the deposit increases.Interest is paid on maturity and can be compounded (added to) the renewal
term or paid directly to an account of your choice.If withdrawn before maturity a withdrawal penalty of 30% of interest
earned is applied.Minimum deposit
is $1,000.
Long Term Redeemable Term Deposit A redeemable (cashable with penalty) term deposit
available with terms between 1 - 5 years.Interest
rates generally increase as the term of the deposit increases.Interest is paid annually on the anniversary date or monthly at a 0.25%
reduction of interest rate.Interest
can be compounded or paid directly to an account of your choice.If withdrawn before maturity a withdrawal penalty of 30% of interest
earned is applied.Minimum deposit
is $1,000.
Long Term Non-Redeemable Term Deposit A term deposit with terms of 1 - 5 years and under
no circumstances, other than death, are redeemable.Interest is paid annually on the anniversary date or monthly
at a 0.25% reduction of interest rate. Interest can be compounded or paid
directly to an account of your choice.Minimum
deposit is $1,000.
CU Bonus Builder Term Deposit A non-redeemable five year increasing interest rate
term deposit.Interest is
compounded annually on the anniversary date and the rate of interest increases
each year at the rate quoted at the time of purchase.Minimum deposit is $1,000.
MemberCARE® Financial Services Making the most of your investing is important to
you.A MemberCARE representative is available to assist you with
your financial planning, estate planning, retirement planning, and numerous
other services.A free service to
members and non-members, MemberCARE is the right option for you.MemberCARE is located at 724 Main Street, Humboldt, in the same building
as Heartland Credit Union.
Credential
DirectTM On-Line
Brokerage For as little as $29 a trade, you can
invest how you want, when you want. Invest in more than 1,800 mutual funds
and trade stocks on the major exchanges in Canada and the US. Get
up-to-the-minute financial news, research, price quotes, and performance
charts. Click the Credential Direct logo on the left to begin and
walk though the seven easy steps to start trading on-line.
On-line
brokerage is offered through Credential Direct, a division of Credential
Securities Inc., operating as a separate business unit. Credential
Securities Inc. is a subsidiary of Credit Union Central of Canada.
Unless otherwise stated, cash balances and securities sold are not covered
by Canada Deposit Insurance Corporation or by any other government deposit
insurer which insures deposits in credit unions. Securities sold are
not guaranteed, their values change frequently and past performance may
not be repeated. Credential Securities Inc. is a Member-CIPF.
Ethical
Funds® You want solid returns from
your mutual funds, but you don't want your investments to support
companies that exploit child labour or profit from tobacco or weapons of
mass destruction.Impossible?Not with Ethical Funds®. Ethical Funds
are sold in all provinces and territories across Canada. More
on socially responsible investing.
Mutual
funds are offered through Credential Asset Management Inc. and mutual
funds and other securities are offered through Credential Direct, a
division of Credential Securities Inc., which operates as a separate
business unit. Those companies are members of Credential Group.
Commissions, trailing commissions, management fees and expenses all may be
associated with mutual fund investments. Please read the prospectus
before investing. Unless otherwise stated, cash balances, mutual
funds and other securities are not covered by the Canada Deposit Insurance
Corporation or by any other government deposit insurer that insures
deposits in credit unions. Mutual funds and other securities are not
guaranteed, their values change frequently and past performance may not be
repeated. Credential Securities Inc. is a Member-CIPF.
®Ethical Funds & Design and TMCredential
Direct & Design are trademarks owned by Ethical Funds Inc. and are
used under licence.
Do
you have the correct Heartland Credit Union? You are at Heartland
Credit Union in the Province of Saskatchewan, Canada, at www.heartland-cu.com,
other Heartland Credit Unions we know of are:
Heartland Credit Union, Winkler, MB, CA at www.hcu.mb.ca Heartland Community Credit Union,
Clinton, ON, CA at www.heartlandcommunitycu.on.ca
Heartland Credit Union, Minnesota, USA at www.heartlandcu.com
Heartland Credit Union, Wisconsin, USA at www.heartlandcu.org
