MAXIMIZER - Chequing/Savings
Our Maximizer account provides a combination of chequing and savings all in one package. No more worries of having to transfer funds back and forth between accounts as the need arises. No more overdraft or transfer fee because you forgot to transfer your funds on time.

Account features:

1. Interest is calculated on the closing daily balance and on the entire balance in the account.


2. Interest rates increase as the balance of the account increases.


3. No service charges when the minimum balance of the account remains in excess of $500.


4. No Charge buyer protection and extended warranty coverage for all purchases made by cheque for those members with an activated MemberCARD.

PERSONAL CHEQUING
A basic no frills account. Easy to administer those day to day bills and expenses that must be paid. For those members writing a large number of cheques a Full Package Plan is available at a small monthly fee.

Account features:

1. No charge for Crocus ATM or inbranch counter deposits and withdrawals


2. Choice of personalized cheques at a very nominal cost.


3. No Charge buyer protection and extended warranty coverage provided for all purchases paid by cheque for those members with an activated Crocus MemberCARD.


4. Descriptive monthly statement and cancelled cheques provided at no charge.

PLAN 24 - Daily Savings
Don't lose another days interest. With a Plan 24 account your money grows daily. A great place to put some money that isn't needed for the moment.

Account features:

1. Interest is calculated on the closing daily balance and paid monthly.


2. No charge for Crocus ATM or inbranch counter deposits or withdrawals.


3. Descriptive monthly statement provided at no charge.

SPECIAL SAVINGS
A longer term savings plan that pays a higher rate of interest than the Plan 24 account.

Account features:

1. Interest is calculated on the minimum monthly balance and paid semi-annually.


2. No charge for Crocus ATM or inbranch counter deposit and withdrawals.


3. Descriptive monthly statement provided at no charge for those months when account activity takes place

FULL PACKAGE PLAN
For large volume personal cheque writers this is the plan for you. A flat monthly fee gives you unlimited cheque writing priviledges.

Account features:

1. Free personalized cheques with unlimited cheque writing priviledges.


2. No service charges for money orders and travellers cheques.


3. Free certification of cheques


4. Free encashment of US cheques


5. Descriptive monthly statement and cancelled cheques included in the package.

GUARANTEED INVESTMENT CERTIFICATES (GIC's)
Watch your investments grow with the safety and security of a GIC. Various term lengths

available to suit your needs from months to years. Best of all the rate is guaranteed so that you know in avdvance what your investment will be worth at maturity.

Account features:

1. Competitive rates and fully guaranteed.


2. Investment options from 30 days to 3 years.


3. Term information and activity is recorded on a descriptive monthly statement along with your other accounts.

REGISTERED RETIREMENT SAVINGS (RRSP)
Plan today for tomorrow. A Crocus RRSP allows you to establish some security for your financial future. No only do you establish a nest egg for retirement but you also take advantage of tax refunds!!

Account features:

1. Various plans and options available


2. No fees.


3. Competitive rates and investment terms.


4. RRSP's are displayed on your monthly statement along with your other accounts.

REGISTERED RETIREMENT INCOME FUND (RRIF)
After age 69 you are required to collapse your RRSP's. One way to maintain control of your funds and reduce taxation is a RRIF. Many plans and options are available to suit your retirement needs.

Account features:

1. No fees.



2. Many payment options available from monthly to annually.


3. Competitive rates and investment options.


4. RRIF activity is recorded on your descriptive monthly statement along with your other accounts.

SURPLUS SHARES
Share the wealth and prosperity of your Credit Union. Each year members share in the excess profits of the Credit Union through patronage allocations. The allocations are based upon your patronage and are used to purchase surplus shares, a form of capital investment which furthers the development of services at your Credit Union.

Account features:

1. Excess allocations above the maximum as set by the members at each Annual General Meeting are paid out in cash.


2. Surplus shares receive dividends each year as declared by the Board of Directors.


3. Surplus Shares are non redeemable except in case of members closing their accounts or becoming deceased.


4. Surplus Shares are not guaranteed by the Credit Union Deposit Guarantee Corporation.