Why Invest?

At your credit union, your success is our success. That’s why we’re always looking for ways to help you grow your nest egg, save for the important purchases in life, and make sure you’re ready for a rainy day. 

Our focused approach can make a big difference for your future. It could get you on track for the kind of retirement you really want. Or get you closer to your savings goal faster than you thought possible. We’re here to help you focus on the big picture – to save for what really matters. No obligation, no strings. Just sound advice from our financial professionals who are focused on you and your financial future.

More Expert Advice

Whether you’re just getting started, or fully engaged in your quest for more information, our expert articles will help shed light on your savings and retirement planning questions.

First Timer Guide to Saving & Investing

Getting started with your savings and investments can be confusing when you’re just starting out. But starting your savings can be easy. We’ll show you how.  Click here to learn more

 How can TFSAs benefit you?

Get an overview of everything to do with TFSAs. Click here to learn more. 

What’s income splitting all about?

How married and common-law couples can reduce their tax burden. Click here to learn more. 

Read more on some of our investment options below.  For those wanting to make maximum contributions to TFSAs or RRSPs, we have a Take Ten Loan product that can allow you to borrow money to save.  Call or stop by your branch to make an appointment to speak with a Financial Advisor to learn about your options.  Be in control of YOUR Future!

Financial Planning Services

As part of the ERCU team, your Credential Service Representative is available to offer sophisticated investment options such as mutual funds, insurance products, children's education savings, retirement funds, and more... 

To arrange a meeting, call your branch or email: 

Term Deposits

Available in registered and non-registered options, as well as in a Tax-Free option, Term Deposits are the safest means of saving your money.  In a term deposit, your money will grow worry-free in 1-5 year terms.


A Registered Retirement Savings Plan allows you immediate tax-savings while you are working and in a higher tax-bracket, while providing you with savings that you can use when you retire.  Consult your tax advisor for more on the tax implications of investing in an RSP.

Tax-Free Savings Account

This saving option allows you to save money and earn investment interest tax-free.  This option is available on all savings products (except registered savings).  Also available, is a TFSA High Interest Savings Account.


Living well during your retirement means managing your retirement income wisely.  With a Registered Retirement Income Fund, you can manage the withdrawal of your RRSP savings.


Investing in your child's future is one of the most important financial decisions you will make as a parent.  Ask us about our Registered Education Savings Plan, or get a second opinion on your current plan. 


Click here to view the revised RRSP Declaration of Trust and RRIF Declaration of Trust, updated January 2016. 


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