Updated Terms & Conditions
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Updated Terms & Conditions
Please note we have updated our Terms & Conditions. <Read More>
  1. Personal
  2. Investing
  3. Registered Plans

Registered Plans

Save for any stage of life with a plan that's right for you.

Registered Plans from TCU Financial Group allow you to save for various stages of life. Whether you are saving for your first home, a vehicle purchase, retirement, or just want savings for an emergency, there is a registered product that is right for you. Compare your options below and book an appointment with one of our experts to start saving with a Registered Plan today!




Your savings plan is part of our holistic approach. We want to help you reach every goal on your financial journey.

Credit Union Deposit Guarantee Corporation (CUDGC)

Deposits held in Saskatchewan credit unions are fully guaranteed. There is no limit to the size of the deposit covered by the guarantee - whether $1 to $1,000,000 or more, all deposits are fully guaranteed.




Registered Retirement Savings Plan (RRSP)

Retire on your terms with an RRSP.

Registered Retirement Savings Plan (RRSP) is designed to help you retire comfortably and on your own terms. Enjoy life the way that you want through retirement by starting to save with an RRSP today.  

  • No minimum age to contribute
  • Choose a term between 1-5 years
  • Contributions to an RRSP are tax deductible
  • Funds in an RRSP remain tax sheltered until withdrawn
  • Annual RRSP contribution limit is 18% of earned income from the previous tax year up to a maximum, which is calculated each year
  • You can contribute up to the end of year in which you turn 71 years of age
  • Unused contributions can be carried forward indefinitely

Tax-Free Savings Account (TFSA)

Save your money tax-free with a TFSA.

A Tax-Free Savings Account (TFSA) is designed for you to set money aside tax-free throughout your lifetime. Save for your short and long term goals such as a vacation, a vehicle purchase, or retirement with a TFSA.

  • Minimum age of 18 years old to contribute
  • Choose a term between 1-5 years
  • Contributions made to a TFSA are not tax deductible
  • Contributions and Interest earned grow tax-free and no tax is paid on withdrawals
  • Contribution room begins accumulating at age 18; no maximum age
  • Unused contributions can be carried forward indefinitely
  • Must contact the CRA to obtain your TFSA contribution limit
  • Withdrawals will create additional room in the following calendar year

First Home Savings Account (FHSA)

Make your homeownership goal a reality with an FHSA.

The First Home Savings Account (FHSA) is a registered plan allowing you as a prospective first-time home buyer to save for your first home tax free.

Any savings not used to purchase a qualifying home can be transferred tax-free into a Registered Retirement Savings Plan (RRSP) or Registered Retirement Income Fund (RRIF) or can be withdrawn on a taxable basis.

For more in depth information on First Home Savings Accounts, please read here.

  • Minimum age of 18 years old to contribute
  • Must be a first-time home buyer
  • Lifetime contribution limit of $40,000
  • Annual contribution limit of $8,000
  • Can carry forward unused portions of your annual limits up to $8,000 per year
  • Must intend to occupy the qualifying home as your principal place of residence within one year of purchase or build
  • Qualifying home must be located in Canada
  • Can withdraw all at once, or in a series of withdrawals

Ready to apply or have questions?

Investment Calculators

Our easy-to-use calculators can help you map out your retirement plan, set a savings budget, determine your retirement income and more.


*Rates subject to change.

Let’s talk about saving for your future

Our Member Experience Team is here to help you understand your options and make the decision that is best for you. We take a solution-based approach to making the most out of your financial future.

If you have questions about saving for the future, we have answers.


Make the most out of your credit union membership with these solutions.

Qtrade Direct Investing

Are you a sophisticated investor who wants to self-invest in stocks, ETFs, bonds or mutual funds? We have partnered with Canada’s #1 online trading platform Qtrade to provide our members additional investment opportunities.*

Learn More

Do you want to invest your money into the market but aren’t sure where to begin? Qtrade Guided Portfolios makes investing easy with a fully online digital advice service offering a professionally managed, low-cost portfolio to match your personal goals.*

Learn More

Every home purchase journey is unique. We approach home financing as a complete solution that ensures you get the home of your dreams and a mortgage that matches your expectations.

Earn high interest on your cash daily. Plus your deposits are fully guaranteed by Credit Union Deposit Guarantee Corporation.

*Online brokerage services are offered through Qtrade Direct Investing. Qtrade Direct Investing and Qtrade Guided Portfolios are divisions of Aviso Financial Inc. Unless otherwise stated, mutual fund 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 
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