4.05%

1-Year RRSP, GIC & More

Registered Retirement Savings Plan (RRSP)

The Registered Retirement Savings Plan (RRSP) is a Canadian account offering tax-deductible contributions, tax-deferred growth, and long-term financial security. WFCU provides unlimited coverage for RRSP deposits through the Financial Services Regulatory Authority (FSRA). Individuals can contribute up to their annual CRA-assigned limit, with unused contribution room carried forward indefinitely. WFCU also offers RRSP Loans to help members maximize contributions, including any unused amounts from past years.

Immediate Tax Savings

Tax-Deferred Growth

Retirement Security

Guaranteed Investment Certificate (GIC)

A GIC is one of our low-risk investment products that functions similarly to a savings account but has a guaranteed rate of return for a specified term. With the highest interest rate offered for the selected term, it provides a competitive return on your investment, with the option of automatic renewal at maturity to simplify the process of extending your investment.

Peace of Mind

Invest in CAD or USD

A Range of Terms

Get This Investment Special

Whether you currently bank with WFCU and its divisions, or with another financial institution, fill out the form and one of our member consultants will start the process! Prefer to skip the form? Call 1 888 767 9535 or email info@wfcu.ca.

Investment Special

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Registered Retirement Savings Plan (RRSP)

Learn More About RRSPs

First Home Savings Account (FHSA)

Saving for a down payment on your first home is no small feat, and in our current economic landscape, prospective home buyers need to be savvy and take advantage of opportunities to maximize their savings goals through registered investments.

Learn More About FHSAs

Tax-Free Savings Account (TFSA)

With a TFSA, a key component of registered investments, your investments can flourish without being burdened by taxes. You can contribute up to your yearly limit, and the income you earn within the account is entirely tax-free. Additionally, there is no limit on the number of years of unused contribution room that can be carried forward.

Learn More About TFSAs

Registered Education Savings Plan (RESP)

A RESP is a government-approved plan for the purpose of providing post-secondary education funding for a beneficiary. As a valuable option among registered investments, a RESP is a great vehicle to save for your child’s education, with income earned under the plan not taxed until it’s withdrawn.

Learn More About RESPs

Registered Retirement Income Fund (RRIF)

A RRIF is designed to provide an income stream during retirement, serving as a key option among registered investments. Funded through the plan holder’s RRSP deposits, it can be purchased any time prior to the end of the year the member turns 71. Interest accumulates tax-free in a RRIF deposit until the funds are paid out.

Learn More About RRIFs

*Visit myWFCU.ca/FinePrint for details.