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MAXIMIZER - Chequing

Our Maximizer account provides a combination of chequing privileges and variable interest based on account balance

Account features:

  1. Interest is calculated on the closing daily balance and on the entire balance in the account.
  2. Interest rates increase as the balance of the account increases.

INVESTMENT Savings

High interest savings account based on minimum monthly balance. Provides greater investment returns with saving account flexability.

 

PLAN 24 - Daily Savings
Don't lose another days interest. With a Plan 24 account your money grows daily. A great place to put some money that isn't needed for the moment.

Account features:

  1. Interest is calculated on the closing daily balance and paid semi-annually.
  2. No charge for Eriksdale CU ATM's or inbranch counter deposits or withdrawals.
  3. Descriptive monthly statement provided at no charge.

REGULAR SAVINGS
A longer term savings plan that generally pays a higher rate of interest than the Plan 24 account.

Account features:

  1. Interest is calculated on the minimum quarterly balance and paid semi-annually.
  2. No charge for Eriksdale CU ATM's or inbranch counter deposit and withdrawals.
  3. Descriptive monthly statement provided at no charge for those months when account activity takes place

GUARANTEED INVESTMENT CERTIFICATES (GIC's)
Watch your investments grow with the safety and security of a GIC. Various term lengths available to suit your needs from months to years. Best of all the rate is guaranteed so that you know in advance what your investment will be worth at maturity.

Account features:

  1. Competitive rates and fully guaranteed.
  2. Investment options from 30 days to 5 years.
  3. Term information and activity is recorded on a descriptive monthly statement along with your other accounts.

REGISTERED RETIREMENT SAVINGS (RRSP)
Plan today for tomorrow. A Eriksdale CU RRSP allows you to establish some security for your financial future. Not only do you establish a nest egg for retirement but you also take advantage of tax refunds!!

Account features:

  1. Various plans and options available
  2. No fees.
  3. Competitive rates and investment terms.
  4. RRSP's are displayed on your monthly statement along with your other accounts.

REGISTERED RETIREMENT INCOME FUND (RRIF)
After age 71 you are required to collapse your RRSP's. One way to maintain control of your funds and reduce taxation is a RRIF. Many plans and options are available to suit your retirement needs.

Account features:

  1. No fees.
  2. Many payment options available from monthly to annually.
  3. Competitive rates and investment options.
  4. RRIF activity is recorded on your descriptive monthly statement along with your other accounts.

SURPLUS SHARES
Share the wealth and prosperity of your Credit Union. Each year members share in the excess profits of the Credit Union through patronage allocations. The allocations are based upon your patronage and are used to purchase surplus shares, a form of capital investment which furthers the development of services at your Credit Union.

Account features:

  1. Surplus Shares are non-redeemable except in case of members closing their accounts or becoming deceased.
Surplus Shares are not guaranteed by the Credit Union Deposit Guarantee Corporation.

 

Account Services:

Interact Direct Payment (Member Card)

Now You Can Pay Cash Without Carrying Cash!

Automated Teller Machine (A.T.M.)

    • Make cash withdrawals and deposits
    • Obtain account balance
    • Transfer funds within accounts
    • 24 hour access to account from teller machines throughout Canada, U.S.A. and the world at locations displaying one of these logos:
      (cirrus) (interac) (maestro) (Automated Teller)
    • Three locations:
      • Eriksdale
      • Moosehorn
      • Ashern

Wires

  • Canadian and U.S. funds.
  • Other currencies available upon request

Travelers Cheques - American Express

  • Available in Canadian and U.S. funds

Night Depository

  • Members can make deposits after regular hours
  • Deposits are credited to the account on next business day
  • Locked deposit bags available

Safe Keeping

  • Safety deposit box - Prices range from $17 - $40 per year depending on size

Bill Payments Accepted

  • Drop off for utility bills
  • MasterCard (credit union)
  • Receiver General / Minister of Finance
  • Manitoba Housing

Automated Transfers

  • Members can arrange to have funds transferred automatically from one account type to another on a weekly, bi-weekly or monthly basis

Credit Union MasterCard 

For information on any one of the MasterCard options available, please contact the staff at Eriksdale Credit Union.

 

Security:

 

The Credit Union Deposit Guarantee Corporation was established to guarantee and protect the deposits you make with your Credit Union.WITHOUT LIMIT.

The Corporation monitors and inspects each Credit Union to ensure that it is conducting its business within the legislation that governs Credit Unions.

Each Credit Union contributes to the Corporation based on monies its members have on deposit. The Board of the Corporation invests these assessments which builds up the Funds capital.

Your Credit Union is a good investment where funds are fully protected. All of them without limit.

Credit Union Deposit Guarantee Corporation

 

  
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