Types of RRSP's 
Saving for retirement doesn’t have to be complicated. Use this overview to compare Registered Retirement Savings Plans (RRSPs) and choose the registered retirement savings plan options that fit your lifestyle and retirement planning goals.


Looking for a budget-friendly way to save for retirement?  A plan that helps you build wealth over time?  The CU Builder option is a monthly investment that works within your budget and earns you interest. 

Key Features:
  • Minimum purchase = $50 per month
  • Great introduction to saving
  • 5 Year Non-Redeemable
  • Interest paid annually
  • Automatic contributions to fit payroll schedule and your budget
  • Deposit fully guaranteed by the Credit Union Deposit Guarantee Corporation

Choose from a wide range of mutual funds, stocks, and bonds to diversify your RRSP portfolio and achieve your retirement goals.

Key Features:
  • Get expert advice from qualified investment professionals
  • Access RRSP-eligible mutual funds managed by some of the top names in the business. Members can further access a wide range of stocks, bonds, and more through Qtrade Asset Management and Credential Qtrade Securities Inc.


Looking for increasing rates?  3 & 5 year RRSP Upgraders available for a limited time! 

Key Features:
  • Interest rate increases every year based on guaranteed rates
  • Opportunity to reinvest on any one anniversary date into a PCCU RSP product of same remaining term or longer*
  • Never lose your principal
  • Minimum investment = $1,000

*Available in 5 year RRSP Upgrader only


Deposit $1000 or more into a term of your choice and enjoy a competitive interest rate guaranteed for the full term of the investment.

Key Features:
  • Non-redeemable term with minimum investment starting at $1000
  • Term options range from to 1 to 5 years
  • Competitive interest rates guaranteed for the full term
  • Interest is compounded annually
  • Single fixed rate of return
  • Deposits fully guaranteed by the Credit Union Deposit Guarantee Corporation (CUDGC)

Enjoy the potential for higher returns based on stock market performance while protecting your principal investment.

Key Features:
  • Take advantage of the upward potential of the stock market without losing your principal
  • Three different types of Index-linked products to choose from
  • 3 & 5 year terms
  • Minimum investment = $1,000
Principal investment guaranteed by the Credit Union Deposit Guarantee Corporation


Unlike a regular RRSP, a self-directed plan allows you to consolidate many different types of investments into a single manageable account, with the convenience of an all-in-one statement. 

You get the best option – Principal guarantee or investment returns. 

Key Features:
  • Through our partnership with Qtrade Insurance Solutions*, we provide you access to segregated funds. 
  • Segregated funds are similar in structure to mutual funds but have a guarantee that protects the principal. 
  • When the fund matures, or upon death of the policy owner, the policy pays out the guaranteed amount of the investment or the current market value, whichever is greater. 
Because they are an insurance product, segregated funds are eligible for creditor protection and are not subject to probate. 

*Mutual funds and other securities are offered through Qtrade Advisor, a division of Credential Qtrade Securities Inc. 

*Mutual funds are offered through Qtrade Asset Management (a tradename of 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 insured nor guaranteed, their values change frequently and past performance may not be repeated. Northwest & Ethical Investments L.P (“NEI” or “NEI Investments”) is a subsidiary of Aviso Wealth; and NEI Funds are related issuers of Qtrade Advisor, Qtrade Asset Management and Qtrade Guided Portfolios.

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