Post Secondary Students
Please note: Effective May 1, 2021, Cornerstone Credit Union is updating our personal account suite.
With this simplification, members in our current Youth Account today will convert to our Unlimited Account package. Our Unlimited Account Package is free for those ages 22 & under. Click here for more information.
For young adults ages 19-25.
YOUNG ADULT ACCOUNT – MONTHLY FEE $5.00
- 70 debit items included, regular charges thereafter
- Free basic personalized cheques
- Benefits apply to one of Chequing Maximer® or PLAN 24® accounts
- Free Interac® E-transfers
If you are attending a Post-Secondary school, we have products and services tailored just for you. We offer a special Graduate Account package designed especially to meet a student’s financial needs. It allows you to deal at home with people you know, even when you’re away from home.
STUDENT CHOICE® LOANS are designed to help ease the financial burden of the many costs associated with
STUDENT CHOICE® LOANS are:
- Available for Full Time Students – those students attending 60%
full timecourse load or more.
- $10,000.00 per year, to a maximum of $40,000.00 (o.a.c.) over 4 years and for students enrolled in a professional designation $10,000 per year to a maximum of $60,000 over 6 years for a total sum of $60,000.00.
- Education Loans are granted on approved credit and require your parent or guardian to co-sign the loan.
- At a Floating Rate of Prime + 2.00% during the entire term of the loan.
- Affordable, because payments while attending school
are interest onlypayments, paid monthly.
- Payable after completion or discontinuation of school. You have 6 months before a monthly repayment schedule of
principleand interest will be established, you may begin paying earlier if you wish. Repayment can be made over 10 years and if you have completed a professional designation up to 15 years may be considered .Alsoavailable:
Up to a $1,500 line of credit (o.a.c.) as
an overdraftprotection on your chequing account. It allows you to make purchases without hassle or worry.
Back to school – You and your CU!
Click HERE to apply today!
Canada/Saskatchewan Student Loans
Student Financial Assistance, including loans and
The Canada-Saskatchewan Integrated Student Loans Program offers a needs-based supplement to your existing resources to help you fund your education.
You can contact Student Financial Assistance Branch by phone at 1-800-597-8278 (outside Regina or within Canada) or (306) 787-5620 (in Regina area or outside Canada) or visit their website to get more information.
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.
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.
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.
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.
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
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.