Commercial Service Fee Package Plans

Cornerstone Credit Union can simplify your accounting and save you money.
With our many Commercial Business Package Plans, it not only saves you money but it can simplify the process of keeping track of the cost of your fees.

Our package of service charge fees are designed for low transaction users right up to high volume transaction accounts. You select the package right for you. Check out what your business pays in service charges and then check out our Package Accounts! We make it easy, cost efficient, and convenient.

Click here to view our Service Charges & Fees brochure.

Please note: Cornerstone Credit Union has revised our Farm & Business Account packages to offer a competitive account suite that is simple yet comprehensive, and easy to understand. Effective April 1,2021, you will see changes to your account package.

Click to view more information:  Farm & Business Accounts

 

BASIC COMMERCIAL – MONTHLY FEE $8.50

  • 15 transactions included, regular charges thereafter
  • Free Interac® E-transfers

VALUE COMMERCIAL – MONTHLY FEE $16.00

  • 25 transactions included, regular charges thereafter.
  • Free Interac® E-transfers

COMMERCIAL – MONTHLY FEE $31.00

  • 40 transactions included, regular charges thereafter
  • No fees on utility payments & certified cheques (1st party)
  • Free Interac® E-transfers

PREMIUM COMMERCIAL – MONTHLY FEE $61.00

  • 80 transactions included, regular charges thereafter
  • No fees for utility payments & certified cheques (1st party)
  • No annual fee for night deposit service
  • Monthly fee waived with a minimum account balance of $25,000
  • Free Interac® E-transfers

SILVER COMMERCIAL – MONTHLY FEE $80.00

  • 110 transactions included, regular charges thereafter
  • No fees for utility payments & certified cheques (1st party)
  • No annual fee for night deposit service
  • Monthly fee waived with a minimum account balance of $35,000
  • Free Interac® E-transfers

GOLD COMMERCIAL – MONTHLY FEE $140.00

  • 200 transactions included, regular charges thereafter
  • No fees for utility payments & certified cheques (1st party)
  • No annual fee for night deposit service
  • Monthly fee waived with a minimum account balance of $45,000
  • Free Interac® E-transfers

PLATINUM COMMERCIAL – MONTHLY FEE $200.00

  • 300 transactions included, regular charges thereafter
  • No fees for utility payments & certified cheques (1st party)
  • No annual fee for night deposit service
  • Monthly fee waived with a minimum account balance of $55,000
  • Free Interac® E-transfers

Agriculture Services

We offer farmers and ranchers special accounts with convenient delivery to meet the day to day financial operations requirements. Our technology allows farmers and ranchers easy access to their accounts from wherever they are through our many online access applications. We help with education and planning to meet your long term goals. If it is investing, borrowing money for your operation, succession or other financial planning issues, Horizon Credit Union is here to lend a helping hand.

To assist in meeting your agricultural needs, Horizon Credit Union provides the following services:

Farm & Business Accounts

Click here to view our account options.

 

Card Convenience

Horizon Credit Union offers a full line of card convenience for Ag Business. Our MemberCard debits your account direct so no worry about a monthly bill. You can also choose from a family of MasterCard Credit Cards that best suit your business.

Investments

Today’s world offers many types of investment. Each type of investment provides different opportunity to grow, earn income, and has different tax consequences. Horizon Credit Union offers many types of investments for both registered and non-registered investments to meet individual and agriculture business owner financial goals.

AgriInvest Accounts

An AgriInvest Account helps producers manage small income declines. Each year, producers can make a deposit into an AgriInvest account and receive a matching contribution from federal and provincial governments. Producers have the flexibility to withdraw the funds at any time to cover small margin declines or for risk mitigation and other investments.

AgriInvest is part of the Growing Forward suite of federal-provincial-territorial Business Risk Management programs. Growing Forward is a commitment to Canada’s agriculture sector that’s focused on achieving results, reflects input from across the sector, and delivers programs that are simple, more effective and tailored to local needs.

To learn more about AgriInvest, visit the program website at www.agr.gc.ca/agriinvest, call AAFC toll free at 1-866-367-8506, or inquire at any Horizon Credit Union Branch at Melville, Grayson, Grenfell, Neudorf or Wolseley.
Email: info@horizoncu.ca

Loans and Leasing

Everyone has different needs and financial strategies for their farm or ranch. Each farm or ranch operation requires a different financial structure. That is why Horizon Credit Union has many different loan or lease options available to you. Our professional lending staff work with you on an individual basis, providing practical information and tools to design loans especially to meet the needs for your operation. For operating funds or if you are expanding your farm or ranch, Horizon Credit Union offers a variety of loan and lease options, farm mortgages and loans under the The Farm Improvement and Marketing Co-operatives Loans Act (FIMCLA).

FIMCLA increases the availability of credit to farming operations and farmer-owned marketing co-operatives to improve farm assets and strengthen production and financial stability. It encourages the provision of intermediate term debt to farmers for the improvement and development of their farming business in order to maintain an efficient agriculture production capability. Individuals, partnerships, corporations or co-operative associations actively engaged in farming and operating the farm as a business with the intent to making a profit are eligible to apply.

Wealth Management Services

Visit Wealth Management Services

The team of professionals in our Wealth Management department help you achieve financial goals at every stage of your financial life cycle. This starts with building assets, protecting what you have built, planning for retirement and even transferring assets to beneficiaries through effective estate planning.

With the convenience of electronic access to your accounts or our personal service branch locations at Melville, Grayson, Grenfell, Neudorf and Wolseley, having Horizon Credit Union as your financial institution makes good sense.

Business Business Package Plans