Personal Account Package Plans

At Cornerstone, we’re about relationships, not transactions. That’s why we have simplified banking – to make it easy to understand and to allow you to do more with your account that won’t cost you your hard-earned money.

We offer accounts that have been best designed to suit all your banking needs. Effective May 1, 2021, our personal account suite will change.

Please view the following to understand the changes to your account package.

Personal Accounts

Plan 24 Accounts

A variety of banking services are not included in our monthly fee plans. When you use these services, additional fees may apply. To view a complete listing of our additional services and fees, click here.

 

TRUST ACCOUNTS – MONTHLY FEE $0.00

(For children up to & including 18 years of age)

  • 10 debit items included, regular charges thereafter
  • (Chequing, Maximizer® & Plan 24® accounts).
  • Minimum of $100 for Non-Redeemable Term Deposits of 1-5 years.
  • Benefits cease at age 19

YOUTH ACCOUNT – MONTHLY FEE $0.00

(Ages 18 & Under)

  • Unlimited debit items
  • Minimum of $100 for Non-Redeemable Term Deposits for 1-5 years
  • Free basic personalized cheques
  • Free Interac® E-transfers

YOUNG ADULT – MONTHLY FEE $5.00

(Ages 19-25)

  • 70 debit items included, regular charges thereafter
  • Free basic personalized cheques
  • Benefits apply to Chequing, Maximizer® or Plan 24® accounts
  • Free Interac® E-transfers

BASIC CONSUMER – MONTHLY FEE $4.00

  • 10 debit items included, regular charges thereafter
  • Free Interac® E-transfers

CONSUMER PLUS – MONTHLY FEE $9.00

  • 20 debit items included, regular charges thereafter
  • Monthly fee is waived with a minimum account balance of $2,000
  • Free Interac® E-transfers

MASTERPLAN – MONTHLY FEE $13.00

  • 50 debit items included, regular charges thereafter
  • No fees for utility payments & certified cheques (1st party)
  • Monthly fee is waived with a minimum account balance of $3,000
  • Free Interac® E-transfers

MASTERPLAN PLUS – MONTHLY FEE $16.00

  • Unlimited debit items
  • 2 Interac ATM transactions monthly included*
  • No fees for utility payments & certified cheques (1st party)
  • Monthly fee is waived with a minimum account balance of $5,000
  • Free Interac® E-transfers

* All other Interac and Cirrus fees will be charged at month end, not at time of transaction.

PREMIUM MASTERPLAN – MONTHLY FEE $26.00

  • Unlimited debit items
  • 10 Interac ATM transactions monthly included*
  • 10 Cirrus ATM transactions monthly included*
  • Free basic personalized cheques
  • No fees for utility payments and certified cheques (1st party)
  • Monthly fee is waived with a minimum account balance of $10,000
  • Free Interac® E-transfers

*All other Interac or Cirrus fees will be charged at month end, not at time of transaction.

GOLDEN AGE 60 – MONTHLY FEE $0.00

  • 40 debit items included, regular charges thereafter (Chequing, Maximizer® , Regular Savings & Plan 24® accounts)
  • No fees for utility payments and certified cheques (1st party)
  • Free Interac® E-transfers

Safety Deposit Boxes

Helping you grow a strong financial future is a priority for Cornerstone Credit Union, helping you protect it is just another way Cornerstone Credit Union cares about its members. That is why the Cornerstone Credit Union provides safe keeping services for our members. Whether as an individual or for your business, Cornerstone Credit Union provides you with a safe place to store your valuables.

Protect your valuable papers and possessions by placing them in a Safety Deposit Box at your branch of Cornerstone Credit Union. A variety of different box sizes are available.

Safety Deposit Boxes provide a safe two-key entry system, so only you, the box owner, can gain entrance.

Get the peace of mind – know the possessions most valuable to you are safe.

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.

Personal Package Plans