Wealth Management Services

At Cornerstone Credit Union, our Wealth Management professionals work with individuals of all ages. Wealth Management does not mean you should be wealthy to gain benefit from what this service can offer. Our team of financial professionals are here to help you achieve financial goals that are tailored to your personal situation at every stage of life. This starts with building assets, protecting what you have built, planning for retirement, and transferring assets to beneficiaries through effective estate planning. As an individual, a small business owner, farmer or ag-business owner or partner, a corporate business owner or partner, or employee of a business, Cornerstone Credit Union can help you build a strong financial future.

Today’s world offers many types of investments. Each investment type provides different opportunity for growth and income earning, and each has different tax consequences as well.

Our team of professionals at Cornerstone Credit Union will provide you with investment options for both registered and non-registered products. Registered products are tax-preferred investments as set out by Canada Revenue Agency and include Registered Retirement Savings Plans (RRSP’s), Registered Education Savings Plans (RESP’s), Tax-Free Savings Accounts (TFSA’s), and Registered Retirement Income options that will help you meet your financial goals.


Easy Builder
Index-Linked / Equity-Linked
Plans Available
Non-registered (Term Deposit) Registered (RSP, RIF, TFSA)
Non-registered (Term Deposit) Registered (RSP, TFSA)
Non-registered (Term Deposit) Registered (RSP, RIF, TFSA)
Non-registered (Term Deposit) Registered (RSP, TFSA)
Term Length
12 months
12 & 18 months
12 to 60 months
36 & 60 months
Minimum Initial Deposit
Minimum Deposit
Minimum of $50 pre-authorized transfer per month
Minimum of $1,000 must be reached at end of 18 months
Additional Deposits
Conditions apply.
Anytime, any amount through pre-authorized deposit
Automatic Renewal
Redeemable in full after 90 days without penalty or rate reduction. No interest paid if redeemed within first 90 days.
Withdrawals can be made at any time after 90 days.
Minimum withdrawal – $1000
$1,000 minimum balance must be maintained in Investment.
Interest Paid – Annually
Monthly at a reduced interest rate. Restrictions apply.
Non-registered – paid into Investment or out to a demand account.
Registered – paid into Investment.
Non-registered – paid into Investment or out to a demand account.
Registered – paid into Investment.
Non-registered – paid into Investment or out to a demand account.
Registered – paid into Investment.
Non-registered or registered – Paid into Investment at end of term.
Based on performance of Marketflex® Index-Linked; North American Basket™ Equity-Linked; or Prairies Basket™ Equity-Linked

Please view our e-booklets for more information on these various products that are available to you:

Investing in RESPs

Knowing Your Retirement Income Options

Understanding RRSPs

Understanding TFSAs

Comparing RRSPs and TFSAs


Prairies Basket™ is a trademark owned by Credit Union Central of Saskatchewan and is used under permission. 

MarketFlex® is a registered trademark owned by Canadian Credit Union Association and is used under license.

North American Basket™ is a trademark owned by Credit Union Central of Saskatchewan and is used under permission.

**Credit Union Deposit Guarantee Corporation guarantees to all depositors, repayment in full of all deposits in Saskatchewan credit unions. Your initial deposit, or principal, in an index-linked term deposit is fully guaranteed. The return these deposits realize is linked to the performance of a stock exchange. Therefore the return cannot be guaranteed. However, repayment of the principal is fully guaranteed. Return is only fully guaranteed once the credit union is holding it.

Contact a specialist today.

Cornerstone Credit Union professionals are committed to providing our members with access to investment options suited to their individual needs. Our team of experts will meet with you, discuss your personal goals and investment strategies, and match investments that are best suited to help you reach your personal financial goals.

Through Credential  Asset Management Inc. Cornerstone Credit Union can provide access to:

  • Mutual Funds Investments that fit your financial strategies, goals and investment objectives in registered and non- registered mutual fund investments. Mutual Funds*
  • OnCourse™ Portfolios are designed to meet a variety of investment needs and are expertly managed and effectively diversified – helping you make the most of the opportunities in Canada and all over the world with as little as $1,000 to invest.
  • Credential Managed Accounts* give high net worth investors access to professional pension grade money managers who tailor your portfolio to your individual needs.

To learn more about Credential  Asset Management Inc. visit: www.credential.com or contact our Credential Asset Management Wealth Management Experts.

*Mutual funds are offered through 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 or guaranteed and are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions. Their values change frequently and past performance may not be repeated. OnCourse Portfolios are made available to investors through ®Credential professionals located at certain credit unions in Canada. ®OnCourse and Credential are registered marks owned by Aviso Wealth Inc. The Credential Managed Account is offered by Credential Securities, a division of Credential Qtrade Securities Inc. Credential Securities is a registered mark owned by Aviso Wealth Inc.

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.


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.

Wealth Management