Spectra Credit Union - Business - Savings and Investments

Savings and Investments

Savings AccountsHide

Plan 24 PLUS

A savings account designed for people who want to save and have fluctuating balances with the following features:

Tiered daily interest paid monthly
2 free transactions per month
Funds may be withdrawn at any time
Free access to MemberDirect online banking and TeleService telephone banking
Access to MemberCARD debit card through any ATM or Point of Sale network

CU Save Premium Investment Account

A high interest savings account designed for those who want to save money but have full access to the funds without being locked in. The CU Save account also features:

Daily interest, paid monthly
Interest is cumulative on total balance
1 free debit per month (electronic or in branch; transfer or withdrawal)
All debits $5 each thereafter
No chequing; no ATM; no bill payments; no O/D sweeping; may not be overdrawn
Free access to MemberDirect online banking and TeleService telephone banking

Through our partnership with Credential Asset Management Inc., mutual funds* can offer you the advantages of diversification and professional management. There are no guarantees against market volatility, but having a basket of assets in your portfolio will help weather those ups and downs. Diversification means investing in a variety of investments - as in, "don't put all your eggs in one basket". With mutual funds, you can do this by spreading your investment money across several asset types, or by diversifying within a specific asset category.

About Credential Asset Management Inc.

Spectra Credit Union is committed to providing our members with investment options suited to their individual needs. Today, more and more people are turning to mutual funds as a way to save for a secure financial future.

Credential Asset Management Inc. is a mutual fund dealer offering credit union members a full selection of mutual funds.

Credential Asset Management is part of Credential Financial Inc., the national wealth management provider founded by the Canadian credit union system. Credential Asset Management has relationships with over 380 credit unions throughout Canada, and more than 2,700 representatives.

The Credential Asset Management Mutual Funds Investment Specialist at Spectra Credit Union can provide you with the opportunity to purchase top quality mutual funds with names you'll recognize:

AIM Trimark

AGF

AIC

C.I.

Credential Select Portfolio Funds

Ethical Funds^®

Fidelity

Franklin Templeton

Mackenzie

With more than 4,000 mutual funds available to Canadian investors, it's not easy separating the winners from the underperformers. That's why a team of investment analysts at Credential^® have developed a proprietary selection process to assess these funds for you. The resulting Credential Platinum List of 40 best funds have been selected for their potential to outperform their peers over the long run. When you buy any of the Credential Platinum List Funds, you can invest with confidence.

Start building your investment portfolio with top quality funds available through Credential Asset Management. Stop by and speak with a Credential Asset Management Mutual Funds Investment Specialist today.

*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 covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions. Mutual funds are not guaranteed, their values change frequently, and past performance may not be repeated. Ethical Funds^® are available only to Canadian residents. ^®Credential is a registered mark owned by Credential Financial Inc. and is used under licence. ^®Ethical Funds is a registered mark owned by Ethical Funds Inc. and is used under licence.

Online TradingShow

Be your own broker

If you're a do–it–yourself investor, look no further than Spectra Credit Union. We offer you Credential Direct^®, Canada's #1 On–line Brokerage*.

Investing tools for smarter decisions

Plan your strategy using life–events and portfolio planners.
Research the markets with real–time quotes, news, commentaries, research, and technical event analysis.
Find opportunities using financial, technical, options, and mutual fund screeners, or get stock, technical event, and portfolio alerts.
Trade stocks, options, mutual funds and fixed income – all online.
Manage your accounts using real–time buying power and performance data, plus transfer funds easily between your Spectra Credit Union chequing account and your trading account.
Easy to talk to Investment Representatives are ready to answer questions.

Low fees for higher profits

Trades start at $9.95 for active traders, $19 for regular investors.
No minimums for cash accounts, and no inactivity or user fees.
Never pay more than $250 for a web stock trade if you're a regular investor plus earn automatic rebates**.

Easy to get started

Just apply online to open an account, or to learn more visit Credential Direct, watch our demo, or call us at 1.877.742.2900.

*	Ranked by Surviscor Q4 (Fourth Quarter) 2006, Surviscor Q2 2006 and Watchfire Gomez Pro Q4 2004
**	Not available for Active Traders

Online brokerage is offered through Credential Direct^®, a division of Credential Securities Inc., operating as a separate business unit. 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 funds and other securities are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions. Mutual funds and other securities are not guaranteed, their values change frequently and past performance may not be repeated. Credential Securities Inc. is a Member – CIPF. ^®Credential Direct is a registered mark owned by Credential Financial Inc. and is used under licence.