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  2. Financial Solutions
  3. Solutions for Retirement

Get your copy of Vision’s Solutions for Retirement guide!

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We don’t see a RRSP,
we see a bucket list fund.
We see banking differently.

We don’t see a RRSP, we see a bucket list fund.
We see banking differently.

Everyone has different goals for their retirement years. Whether you want to consult, kick back or focus on travel and new pursuits, good planning is key. We’ve got financial solutions and strategies to help with that.

 

Everyone has different goals for their retirement years. Whether you want to consult, kick back or focus on travel and new pursuits, good planning is key. We’ve got financial solutions and strategies to help with that.

 

Retirement solutions

 

Banking solutions

Banking solutions

Flexible account options to fit your daily banking needs and your future goals. Whether you’re after no-holds-barred account transactions, low monthly fees or incentives to save, we’ve got you covered.

Flexible account options to fit your daily banking needs and your future goals. Whether you’re after no-holds-barred account transactions, low monthly fees or incentives to save, we’ve got you covered.

 

Advantage 60+ Chequing Account

Vision celebrates members 60-years and over with our Advantage 60+ account.

Features:

  • Monthly fee – free
  • Included transactions:
    • Free debits
    • Free online/telephone banking/bill payments
    • Free Interac eTransfers
    • Free deposits – credit union ATM
    • Free bill payments – credit union ATM
    • Free withdrawals/transfers – credit union ATM
    • Free imaged statements
    • Free Automated Funds Transfer (AFT)
    • Free in-branch withdrawals/transfers
    • In-branch bill payments
    • 5 free ATM transactions: non-credit union ($1.75 per additional)
    • Free commission fees, official orders (CDN)
  • $15 discount on safety deposit box annual fee
    Tiered interest, calculated daily, paid monthly

Fees:

ATMs outside Canada
 $4.00
Personalized cheques
 No charge on Flair
Statement copy – paper
 Free

 

USD Chequing Account

Thinking of flying south for the winter? Get a chequing account designed for basic USD chequing transactions and purchasing US dollars to take advantage of favourable exchange rates.

Features:

  • $1 (waived with $250 minimum balance)
  • No online banking
  • Free imaged statement
  • Tiered interest, calculated daily, paid monthly

Fees:

Automated Funds Transfer (AFT)
 $0.95
In-branch withdrawals/transfers
 $0.95
Cheque withdrawals
 $0.95
Personalized cheques
 Cost

 

USD savings account

A USD savings account designed for basic USD banking and purchasing US dollars to take advantage of favourable exchange rates.

Features:

  • Monthly fee – FREE
  • No online banking
  • Free imaged statements
  • Tiered interest, calculated daily, paid monthly

Fees:

Automated Funds Transfer (AFT) $1.00
In-branch withdrawals/transfers $0.95
Cheque withdrawals $0.95
Personalized cheques Cost

Investment solutions

Investment solutions

Vision provides access to a range of investment products through our partnership with Credential Asset Management Inc. This team of experienced, dedicated advisors is available to help create and manage an investment strategy that's right for you.

 

Vision provides access to a range of investment products through our partnership with Credential Asset Management Inc. This team of experienced, dedicated advisors is available to help create and manage an investment strategy that's right for you.

 

Financial / investment planning:

Vision Credit Union offers investment and financial planning services via our experienced, in-house Credential Asset Management team. Based in our Camrose branch, our financial advisors travel to Vision branches across Alberta to help members with their individual financial/investment plans.

 

Contact the Credential Asset Management Inc. team at Vision to start planning your financial future.
Glen Bulger at 780-672-5540, gbulger@visioncu.ca
Shelley Moch at 780-679-6201, smoch@visioncu.ca
Camille Kalveram at 780-806-6383, camille.kalveram@visioncu.ca
Myla Myshyniuk, 780-806-0403, myla.myshyniuk@visioncu.ca

What is Credential Asset Management?

Credential Asset Management is the credit union owned mutual fund dealer, which is part of Aviso Wealth Inc., a national wealth management provider. Aviso Wealth is a wholly owned subsidiary of Aviso Wealth LP, which in turn is owned 50% by Desjardins Financial Holding Inc. and 50% by a limited partnership owned by the five provincial Credit Union Centrals and The CUMIS Group Limited. Through our relationship with Credential Asset Management, Vision Credit Union can provide access to the opportunity to purchase a variety of top mutual funds.

Mutual funds offered through Credential Asset Management 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 covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions. 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.

Credential® is a registered mark owned by Aviso Wealth Inc. and is used under license. Credential Asset Management Inc. and Northwest & Ethical Investments L.P. are all wholly owned subsidiaries of Aviso Wealth Inc.

 

Mutual funds

A mutual fund lets you pool your money together with other investors, making it easier for you to own a wider range of investments. It includes investments like stocks, bonds, and other funds. A mutual fund pool is administered by a professional fund manager, so you don’t have to worry about buying and selling investments on your own.

Vision Credit Union offers investment and financial planning services via our experienced, in-house Credential Asset Management team.

Contact the Credential Asset Management Inc. team at Vision.
Glen Bulger at 780-672-5540, gbulger@visioncu.ca
Shelley Moch at 780-679-6201, smoch@visioncu.ca
Camille Kalveram at 780-806-6383, camille.kalveram@visioncu.ca
Myla Myshyniuk, 780-806-0403, myla.myshyniuk@visioncu.ca

 


Mutual funds offered through Credential Asset Management 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 covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions. 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.

Credential® is a registered mark owned by Aviso Wealth Inc. and is used under license. Credential Asset Management Inc. and Northwest & Ethical Investments L.P. are all wholly owned subsidiaries of Aviso Wealth Inc.

 

Tax Free Savings Account (TFSA)

A TFSA is a “tax-advantaged account.” Contributions to a TFSA don’t earn an immediate tax break, but any gains you make on your investments are tax free. A TFSA can be used for any savings goal, withdrawals are free of tax and you can start a TFSA Variable investment at Vision with as little as $50. Another benefit? At Vision Credit Union, our TFSAs also qualify for our profit sharing program.

Ready to get started?

Contact Credential Asset Management Inc. team at Vision.
Glen Bulger at 780-672-5540, gbulger@visioncu.ca
Shelley Moch at 780-679-6201, smoch@visioncu.ca
Camille Kalveram at 780-806-6383, camille.kalveram@visioncu.ca
Myla Myshyniuk, 780-806-0403, myla.myshyniuk@visioncu.ca

 

Registered Retirement Savings Plans (RRSPs)

RRSPs are an essential part of any retirement plan, but they also offer financial benefits for today. By contributing to a Vision Credit Union RRSP every year, you build your retirement nest egg, and you also pay less income tax right now. Your RRSP can include different kinds of investments, like GICs, savings accounts, mutual funds, and stocks and bonds.

Ready to get started?

Contact Credential Asset Management Inc. team at Vision.
Glen Bulger at 780-672-5540, gbulger@visioncu.ca
Shelley Moch at 780-679-6201, smoch@visioncu.ca
Camille Kalveram at 780-806-6383, camille.kalveram@visioncu.ca
Myla Myshyniuk, 780-806-0403, myla.myshyniuk@visioncu.ca


 

Registered Retirement Investment Funds (RRIFs)

A RRIF provides regular retirement income from investments previously held in your RRSP. Here’s how it works. Before you retire, you invest in your RRSP where your money can grow, tax-sheltered. Once you retire, you can roll your RRSP investment into a RRIF. Once it becomes a RRIF, you draw an income from it while the funds continue to grow in the RRIF, tax sheltered until they are withdrawn.

Ready to learn more about RRIFs?

Vision offers fixed term and variable rate RRIF plans to provide maximum flexibility for your retirement income options. Contact Vision’s experienced team of Credential Asset Management Financial Advisors.
Glen Bulger at 780-672-5540, gbulger@visioncu.ca
Shelley Moch at 780-679-6201, smoch@visioncu.ca
Camille Kalveram at 780-806-6383, camille.kalveram@visioncu.ca
Myla Myshyniuk, 780-806-0403, myla.myshyniuk@visioncu.ca

 

Term deposits

Invest with the confidence of a fixed interest rate and guaranteed returns. Choose a timeframe, deposit your money, and watch with confidence as your retirement savings grow. RRSPs, RRIFs, TFSAs and term deposit are available in variable, redeemable and non-redeemable, 3/5-year Escalator or Prime Rate Riser formats.

 

Write your own future.

You've got goals. For your future. For your family's future. Pursue them with the confidence that comes from expanded investor knowledge and expert insights. And from tools that help guide your investment decisions.
We've partnered with Qtrade Direct Investing™ to give you the confidence to buy and sell stocks, bonds, ETFs, and mutual funds - with low trading fees.

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Online brokerage services are offered through Qtrade Direct Investing, a division of Credential Qtrade Securities Inc. Qtrade, Qtrade Direct Investing, and Write your own future are trade names and/or trademarks of Aviso Wealth Inc.

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Contact us.

Need to get in touch? We’d love to hear from you. We reply to online inquiries within two business days. If your issue is time sensitive, please contact your Vision Credit Union branch. Please include the name of the nearest Vision Credit Union branch in your message below.


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At Vision Credit Union, we take seriously your right to privacy. Read our privacy policy here.​

Privacy Statement

Protecting your privacy is important to Vision Credit Union.

Vision Credit Union has adopted this Privacy Statement to provide you with an overview of the collection, use, retention, and disclosure of personal information that you may provide while using the Credit Union’s products and services (collectively referred to as “Services”).  Vision Credit Union encourages you to read this Privacy Statement, as well as any Terms and Conditions that may be applicable to a particular product and service, in order to understand how we collect and process personal information in the course of providing the Services and your interaction with the Services.

By using the Services, you consent to the collection, use, retention, and disclosure of your personal information for processing as described in, and subject to the limitations set out in, this Privacy Statement.

Personal Information

Personal information is any information that would identify a person directly, or indirectly in combination with data from other sources. For example, personal information includes a full name, home or work address, phone number, national identification number (SSN, SIN, etc.), email address, banking details, IP address, biometric data, payment information, usage data, or any information that may individually identify a person.

Vision Credit Union may collect personal information including without limitation your name, phone number, email address, IP address, and device identifiers, in the course of its Services, and may use or disclose that personal information as described with this Privacy Statement.

Vision Credit Union may also create de-identified or anonymized data from personal information by excluding data components (such as your name, email address, etc.) that makes the data able to personally identify you, through obfuscation, or through other means. In addition, Vision Credit Union may collect and use aggregated, anonymous information to provide data about the Services to advertisers, potential business partners and other unaffiliated entities.  As this information does not identify a person, and is therefore not personal information, Vision Credit Union’s use of such aggregated, anonymized and/or de-identified data is not subject to this Privacy Statement.

Consent and Collection of Personal Information

If you use Vision Credit Union’s website, or conduct a transaction through the Credit Union’s website where personal information is essential, your consent is implied to collect and use your personal information to facilitate that use or complete that transaction requested or initiated by you only. Examples of instances in which personal information may be collected by Vision Credit Union are, but are not limited to:

  • When you request information or Services, and/or when requested information or Services are provided to you,

  • When you access and navigate Vision Credit Union’s website, or engage in communication and/or business transactions with Vision Credit Union,

  • When Vision Credit Union is administering, planning, and managing its relationship with you or communicating with you in relation to this relationship,

  • Where Vision Credit Union seeks to better understand how Vision Credit Union may improve its products and services, to develop and conduct its business and operations, and for other internal business purposes,

  • Where Vision Credit Union seeks to provide you with information on current and future products and services or other developments with respect to Vision Credit Union and its affiliates and partners,

  • Where Vision Credit Union needs to comply with applicable legal and regulatory requirements, or protect Vision Credit Union’s legal rights and property, or

  • If you knowingly submit Personal information through Vision Credit Union’s website for the purpose of registering for a service, a contest, or authentication.

During these instances, Vision Credit Union may collect data such as, but not restricted to: name, email address, phone number, address, areas of the Services or Vision Credit Union websites you visit, transaction type(s) you engage in or request (and amounts thereof), content you view, your IP address, data downloaded or submitted by you, as well as the nature of the individuals or entities with whom you communicate or transact business using the Services.

If at any point you wish to withdraw consent to personal information collection, please contact the Vision Credit Union Privacy Officer noted in this Privacy Statement.  Please note that certain Services may only be able to be offered or provided to you if you disclose the personal information necessary to facilitate those Services, and therefore Vision Credit Union may not be able to provide you with certain Services in the event that you choose not to disclose that personal information to Vision Credit Union.

Anonymous Information

When you interact with a Vision Credit Union Service, similar to most other websites, apps, and online services, certain anonymous technical information about your visit is automatically logged and collected by Vision Credit Union.  This may include information about the type of browser you use, operating system, the date and time you access the Service, the links you accessed while using the Service, and the internet address of the website, if any, which linked directly to the Vision Credit Union Service. This information is used for system administration purposes such as diagnosing problems with Vision Credit Union’s Services, servers and websites, compiling aggregated and statistical information, and to improve the operation and content of Vision Credit Union’s websites and Services.  It is not personally identifiable, and is not considered personal information and subject to this Privacy Statement.

Personal Information Use

Vision Credit Union may use collected personal information for such purposes as:

  • Helping to establish and verify the identity of users, and to keep user accounts secure,

  • Opening, maintaining, administering and servicing users’ accounts or memberships,

  • Providing Services and support to users,

  • Improving Vision Credit Union’s websites, including tailoring its websites to users’ preferences,

  • Providing users with product or Service updates, promotional notices and offers, and other information about Vision Credit Union,

  • Corresponding with you, and responding to your questions, inquiries, comments, and instructions,

  • Maintaining the security and integrity of Vision Credit Union systems, and,

  • Complying with applicable laws.

Once collected, Vision Credit Union will store and process your personal information in secure locations.

Personal information will only be retained by Vision Credit Union for the length of time required to fulfill the purpose or complete the transaction for which it was collected, or as may be required by law. Beyond that point, personal information in the possession or control of Vision Credit Union will be anonymized or securely destroyed.

Security

Vision Credit Union maintains reasonable physical, technical, and administrative security measures to minimize the risk of unauthorized loss, theft, copying, misuse, access, disclosure, alteration, or destruction of your personal information.

Vision Credit Union also restricts access to your personal Information to only those persons who have a legitimate business need or legal requirement to view it in connection with the Services.  You, as a personal information owner, may also authorize any persons you may choose to have access to your personal information.

Although Vision Credit Union does utilize security measures appropriate to the level of risk, no method of data transfer or storage on the internet is 100% secure and security risks cannot be eliminated entirely.  As such, Vision Credit Union cannot guarantee perfect security, integrity, or confidentiality of personal information.

In the event of a data breach or security incident involving the Services, Vision Credit Union will take all reasonable steps to comply with the breach reporting obligations that may be applicable to it under Alberta privacy laws.  Vision Credit Union may also seek to notify you in such event. If notification is appropriate or required, Vision Credit Union may notify you by email, messaging to your device, or other reasonable means.

Disclosure of Personal Information

Vision Credit Union does not provide personal information to unaffiliated third parties for their use in marketing directly to you.  We may use unaffiliated companies, or trusted third party service providers, to help maintain and operate our Services for reasons related to our business operations and to better serve you, and those companies may receive your personal information for that purpose.  When Vision Credit Union shares personal information with third-party services that support our delivery of the Services, we require that they use your personal information only for the purposes we’ve authorized, and that they protect your personal information to at least the same standards used by Vision Credit Union.

Vision Credit Union may also disclose personal information about you in connection with legal requirements, such as in response to an authorized subpoena, governmental request or investigation, or as otherwise permitted by applicable law (including, without limitation, to prevent fraud or abuse, or to protect Vision Credit Union’s legal rights, property, or the safety of Vision Credit Union, its employees, users or others).

Finally, as Vision Credit Union’s business develops, it may sell or buy corporate assets, and in such transactions personal information may be one of the transferred business assets.  If Vision Credit Union, its internet businesses, or substantially all of its shares or assets, is acquired or an acquisition is contemplated, personal information may be one of the assets assessed or transferred in connection with that transaction.

“Cookies” and Advertisers

The Vision Credit Union websites, or the third party companies used to host, operate, or maintain these websites, may place a “cookie” on your computer in order to allow you to use these websites and to personalize your experience.

A “cookie” is a small piece of data, or an alphanumeric identifier, that can be sent by a web server to your computer or device, which then may be stored by your browser on your computer or device. Cookies allow Vision Credit Union to recognize your computer or device while you are on our websites and help customize your online experience and make it more convenient for you. Cookies are also useful in allowing more efficient log-in for users, tracking transaction histories, and preserving information between browsing sessions. The information collected from cookies may also be used to improve website functionality.

The advertisers and/or other content providers that may appear on Vision Credit Union websites may also use cookies that are not sent by Vision Credit Union. Such ads or content may contain cookies that help track and target the interests of users of our websites in order to present “personalized” advertisements or other messages that the user might find interesting. Vision Credit Union is not responsible for any such cookies.

Most web browsers have features that can notify you when you receive a cookie or prevent cookies from being sent. If you disable cookies, however, you may not be able to use certain personalized functions of Vision Credit Union websites.

Rights With Respect to Personal Information

Vision Credit Union is committed to ensuring you retain full access to and control of your personal information. To that end, we endeavor to respect your right to be informed regarding the collection, use and disclosure of personal information, and your right of correction and access to it, via this Privacy Statement.

If you would like to access, correct, remove, request a copy of, withdraw consent to collection of your personal information, or are looking for any additional information on how your personal information may be collected, used or disclosed by Vision Credit Union, please contact the Vision Credit Union Privacy Officer via the Contact & Questions area at the bottom of this Privacy Statement.  Subject to certain exceptions and limitations that may be prescribed by applicable law, you will be provided with reasonable access to your personal information, and will be entitled to have it amended or corrected as appropriate.

In certain circumstances, you may have the right to have your personal information, or certain components of your personal information, erased by Vision Credit Union, to have your personal information moved, copy or transmitted from Vision Credit Union’s systems to other systems, or to object to or restrict certain processing of your personal information by Vision Credit Union.  In the event that you wish to inquire about, or seek to exercise any of these rights (as they may be applicable), please contact Vision Credit Union’s Privacy Officer.

External Links

Vision Credit Union Services may contain links to other websites, apps, or services, including those of advertisers or third party content providers who offer downloads as part of a Vision Credit Union Service. Vision Credit Union is not responsible for the privacy practices or the content of other websites, apps, or services.  We encourage you to read the Privacy Policies published by such third parties before divulging your personal information to them.

Changes to this Privacy Statement

Vision Credit Union reserves the right to modify or supplement this Privacy Statement in its discretion, at any time. If a material change to the terms of this Privacy Statement is made, we will post a notice on our website and a link to the new or amended Privacy Statement.  The collection, use and disclosure of your personal information by Vision Credit Union will be governed by the version of this Privacy Statement in effect at that time.  Your continued use of Vision Credit Union’s websites and/or Services subsequent to any changes to this Privacy Statement will indicate your consent to the collection, use and disclosure of your personal information in accordance with the amended Privacy Statement.

Contact & Questions

If you have any questions or comments regarding this Privacy Statement or any aspects of Vision Credit Union Services, please contact Vision Credit Union’s Privacy Officer at 780-672-1175 or contactus@visioncu.ca.

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