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What is an RRSP? Expand/Collapse

An RRSP is an investment that helps you save for retirement. The interest you earn on your money isn't taxed until you take out the cash in retirement. That's when you'll probably be in a lower tax bracket which makes it a great tax savings product.

Your contributions are also tax-deductible!

Contribution limit: 18% of your earned income up to $27,830
RRSP deadline for 2020: March 1, 2021.

What is a TFSA? Expand/Collapse

A TFSA is a flexible, tax-savings investment. Like an RRSP, you don't have to pay taxes on the interest you earn.

Contributions aren't tax deductible like with an RRSP, but you can take out money at any time without being subject to withholding taxes.

Contribution limit: $6,000 with cumulative contribution room of $75,500

What is a deposit guarantee? Expand/Collapse

Deposits held in Saskatchewan credit unions are fully guaranteed. There is no limit to the size of deposit covered by the guarantee. Whether it's $1 or $1,000,000 all deposits are fully guaranteed by Credit Union Deposit Guarantee Corporation (CUDGC).

To learn more about CUDGC and the guarantee, visit their website.
How much can you save over time?
      Interest earned:
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      These calculators are made available to you as tools for independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy. All examples are hypothetical and are for illustrative purposes only. Please visit your branch to seek personalized advice from qualified professionals for all personal finance issues.

      Investments require a minimum deposit of $1,000. Minimum investment of $1,000. Interest is earned in the currency of the account and calculated on a per annum basis. Rates are subject to change without notice. Interest rates are annual interest rates. Interest is calculated daily on the closing credit balance. If term is withdrawn in full, the accrued interest is paid in full based on prior day's amount. If partial withdrawals are processed, there is no payment of accrued interest as it's paid according to the original terms. Interest for products can either be paid to a separate account or added to the principal on each anniversary date and at maturity.

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