Our RRSP Options

Where saving for the future is concerned, a Registered Retirement Savings Plan (RRSP) is one of your wisest options—and we’re happy to help you set one up so that you can be ready once your retirement day comes around.

RRSPs are a steady, reliable savings tool and can be as aggressive as you want them to be.  Not only do they build your wealth over time, RRSPs will put more money in your pocket through tax savings today.

Explore our RRSP investment options:

Easy Builder Expand/Collapse

If you’re looking to start saving for a long term investment, or saving for a future holiday or household renovations – our Easy Builder Investment is a great option.
  • 12 & 18 month term length options
  • Non-redeemable
  • $100 minimum investment required to set up
  • $1,000 minimum must be reached at end of term
  • Minimum of $50 pre-authorized deposit is required
  • Additional deposits can be made any time and any amount

Redeemable Expand/Collapse

A Redeemable Investment is suitable to those that like the freedom in knowing they can access their funds if/when they need them; or have the ability to redeem and place in a higher rate or different investment.
  • $1,000 minimum investment
  • 12 month term length
  • Redeemable in full after 90 days without penalty or rate reduction. No interest paid if redeemed within first 90 days.
  • Withdrawals can be made any time after 90 days, minimum withdrawal of $1,000. Minimum balance of $1,000 must be maintained.
  • Additional deposits can be made any time and any amount. Conditions apply. Speak to your Financial Advisor.

Non-Reedeemable Expand/Collapse

The Non-Redeemable investment provides investors with a higher rate of interest and is locked in for the length of the term.

  • $1,000 minimum investment
  • 12 to 60 month term lengths available
  • Non-redeemable

Index/Equity Linked Expand/Collapse

If you're looking for a longer-term investment tied to the stock market but don't want to take a lot of risk, Index- and Equity-Linked investments may be right for you.

Index/Equity Linked Investments blend a guaranteed investment product with the capacity to generate market-like returns. You have the potential to achieve unlimited returns with the comfort of knowing there is no risk to your principal.

Cornerstone (through SaskCentral) currently offers three index/equity linked products:

MARKETFLEX™ Index-Linked Investment, where the return on investment is linked to the Canadian Stock Market

PRAIRIES BASKET™ Equity-Linked Investment, which allows investors to profit from the success of companies in Alberta, Saskatchewan and Manitoba.

NORTH AMERICAN BASKET™ Equity-Linked Investment, where returns are based on the performance of 12 North American companies, each representing equal weighting within the basket.

For more information or to book an appointment with one of our Wealth Management Professionals:

RRSP Loans

We also offer RRSP loans to help you start or boost your RRSP savings strategy.

RRSP Loans Expand/Collapse

If you'd really like to get started on your RRSP investment strategy but just don't have the funds in place, consider an RRSP loan from Cornerstone CU. An RRSP loan is a 'good debt' in many ways. You can use it to:

  • establish a retirement savings plan
  • maximize your annual RRSP contribution
  • get back on track with your RRSP contribution
  • get a bigger tax return

Borrowing money to invest in RRSPs could be a really wise decision for you. We offer great rates and same-day approval.

For more information or to book an appointment with one of our Lending specialists, contact us.