Tax Free Savings Accounts
Started in January of 2009 the TFSA allows you to save up to $5,000 a year without being taxed on the earnings that money will make. It is an exciting addition to everyone's investment portfolio.

Investments features:

1. Available in variable, 1 year redeemable and fixed deposit forms with the 100% guarantee from the Credit Union Deposit Guarantee Corporation.

Term Deposits/GIC's
Earn a steady return and have the peace of mind that your investment is 100% guaranteed. Various terms are available for thirty days to five years. Come and visit us and let us tell you how to ensure you get the best rate everytime you renew.

Investments features:

1. Attractive rates and redeemable terms available for those not looking at the long term.


2. Term information included on monthly account statements.

Registered Retirement Savings Plans (RRSP)
Ensure you get the peace of mind of knowing your retirement income is guaranteed. Invest in an RRSP and also receive a reduction in your income at tax time. We have the solutions to help you meet your retirement goals.

Investments features:

1. Fixed term investments available in your RRSP which are 100% guaranteed by the Credit Union Deposit Guarantee Corporation.


2. No annual fees.

Registered Retirement Income Fund (RRIF)
At the end of the year in which you turn 71 your RRSP's have to be closed. One great option is to roll that money into a RRIF and keep the money protected from being taxed. It continues to grow and you are only required to take a minimum amount each year.

Investments features:

1. Fixed term investments available in your RRIF which are 100% guaranteed by the Credit Union Deposit Guarantee Corporation.


2. A variety of payment options available for your withdrawals.

Ethical Funds®


Ethical Funds is committed to social change and fairness. When you invest with Ethical Funds, you get a voice where it counts - in the corporate boardroom. The combined power of unitholders helps Ethical Funds to raise the bar for corporate, social and environmental performance. Shareholder action strategies include dialogue with company management, proxy voting, and filing shareholder resolutions.

Speak to a Credential Asset Management Inc. Mutual Funds Investment Specialist at the Flin Flon Credit Union today.

Investments features:

1. RRSP eligible.


2. RESP eligible.


3. Group RRSP's available for small business.

Credential Direct®
Be your own broker.

If you’re a do-it-yourself investor, look no further than your Flin Flon Credit Union. We provide you access to Credential Direct®, Canada’s #1 On-line Brokerage*.

Easy to get started.

Just apply online to open an account, or to learn more visit www.credentialdirect.com and watch the online demo, or call them at 1.877.742.2900.

* ranked by Surviscor Summer 2007, Q4 (Fourth Quarter) 2006, Q2 2006 and Watchfire Gomez Pro Q4 2004

** not available for Active Traders

Investments features:

1. Investing tools for smarter decisions

   Plan your strategy using life-events and portfolio planners.



2. Research the markets with real-time quotes, news, commentaries, research, and technical event analysis.



3. Find opportunities using financial, technical, options, and mutual fund screeners, or get stock, technical event, and portfolio alerts.



4. Trade stocks, options, mutual funds and fixed income — all online.



5. Manage your accounts using real-time buying power and performance data, plus transfer funds easily between your Flin Flon Credit Union chequing account and your trading account.



6. Easy to talk to Investment Representatives are ready to answer questions.



7. Low fees for higher profits

   Trades start at $9.95 for active traders, $19 for regular investors.

   No minimums for cash accounts, and no inactivity or user fees.

   Never pay more than $250 for a web stock trade if you’re a regular investor plus earn automatic rebates**.