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Personal products.
Made for Albertans.
Discover solutions that help you manage your everyday finances with simplicity and ease — designed for your unique needs and dreams.
Book appointment ➜Open account online ➜
Spending products.
View our rates Product and service fees
Low-cost.
Necessities
- 10 free debit transactions.
- 2 free e-Transfers.
Open online
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Bank your way.
Unlimited
- Unlimited transactions.
- Unlimited e-Transfers.
- FREE for members 60+.
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Premium benefits.
Platinum
- Unlimited banking.
- Free safe deposit box.
- FREE with a balance of $7,000+.
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Everything you need.
Digital+
FREE for members 25 and under.
- Unlimited free e-transfers.
- Unlimited self-serve transactions.
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Start young.
Kids
FREE for members 12 and under.
- Interest earning.
- 5 free e-Transfers.
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Bank across the border.
US Dollar
$1.25 for in-branch withdrawals.
- Interest earning.
- Unlimited deposits.
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Saving products.
View our rates Product and service fees
More access
Simple Save
$2.00/transaction after those included.
- Unlimited Free deposits.
- 2 free transactions per month.
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Earn more
Premium Savings
$5.00/transaction after those included.
- Unlimited free deposits and self-serve transfers.
- 1 free transaction per month
- Higher tiered interest rates.
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Borrowing products.
Flexibility.
Flex
Mortgage
A great rate with the flexibility to pay your loan off faster.
- 1 to 5-year terms.
- Fixed or variable rate.
- Conventional or high ratio.
We'll come to you
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HELOC
Put the equity in your home to good use with a Home Equity Line of Credit (HELOC)
- Up to 80% of the value of your home.
- No monthly fee to hold.
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On-demand.
Line of Credit
On-demand access to credit for important purchases.
- Insured or uninsured.
- No maximum lending amount.
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Safety net.
Overdraft Protection
A safety net added to your spend account for when the unexpected happens.
- Up to $5,000.
- $5 monthly fee to hold.
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Your choice.
Personal Loan
Borrow money for what you need, like consolidating debt, a car, or home renos
- Variety of payment terms.
- No penalty for early payout.
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Vehicles.
Auto financing
Your local one-stop financing for automotive, RV, leisure, and marine.
- Flexible payment options.
- Competitive interest rates.
- Financing at nearly 500 dealerships across AB.
Ask your local auto dealer about financing with connectFirst.
Find a dealershipRetirement savings.
RRSP Loan
Make sure you’re taking full advantage of your RRSP contributions.
- Competitive rates.
- No penalty for early payout.
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Investing products.
Pooled assets.
Mutual Funds*
A pool of securities professionally managed by fund managers.
- Socially responsible investing.
- Investment solutions for everyone.
- Can be held in an RRSP, TFSA, or RRIF.
Locked-in.
Term Deposits (GICs)
Ideal for locking away funds at a guaranteed rate of return.
- Redeemable and non-redeemable options.
- Variety of term lengths.
- 100% deposit guarantee.
Performance Product
Market Advantage
Take advantage of the market, without the risk.
- Potential for a higher rate of return than most term deposits.
- Principal of deposit is 100% guaranteed.
- Various portfolio options customizable to you.
Retirement savings
RRSP
Tax-sheltered savings umbrella used to save for retirement.
- Contributions are tax-deductible.
- Funds are only taxed once withdrawn.
- Can be used for retirement, first time home buying or education.
Tax-free
TFSA
An account umbrella to save money without paying tax on the interest.
- Interest earned is tax free.
- No penalties on withdrawals.
- Unused contribution room can carry-over.
Retirement income
RRIF
Draw on your retirement income while reaping the maximum benefits possible.
- Minimum annual withdrawal amount.
- Tax-free growth of assets.
- Must be converted from RRSP at age 71.
Home buying
FHSA
Save for your first home tax-free with a First Home Savings Account.
- Save up to $40,000 tax-free on your first home.
- Contribute up to $8,000 annually.
- No requirement for repayment.
Education savings
RESP
Government approved plan to help you save for your child’s post-secondary education.
- Contribute to a lifetime maximum of $50,000.
- Take advantage of up to $7,200 in grants through the Canada Education Savings Grant.
- Take advantage of up to $2,000 in funds through the Canada Learning Bond.
Disability savings
RDSP
Tax deferred investment for you or a family member who are eligible for the disability tax credit.
- Government matched savings.
- No restrictions on what withdrawals are used for.
- Withdrawals may begin at age 60.
Member perks
Common Shares
Every member receives dividends for their investment shares and common shares.
- Purchase up to $200,000 in common shares at any time.
- Receive Dividend payouts — we share our profits.
- Have a say in how we operate.
Planning
Private Wealth
Personalized financial planning and investment solutions to manage and grow your wealth.
- Financial planning and advice.
- Investment opportunities for unique goals.
- Securing your financial future.
Online investing
Qtrade Direct Investing
Invest online with confidence with Canada's #1 online brokerage.
- Industry leading tools.
- Award-winning platform.
- Buy & sell stocks, bonds, ETFs and mutual funds.
Insurance products.
connectFirst Wealth
Life Insurance*
Protect your future and your loved ones with Critical Illness, Disability and Personal Insurance.
- Lump sum of tax-free funds after critical illness diagnosis.
- In the event of death, premiums are refunded to beneficiary.
- Provides a financial safety net when earning power is compromised due to a disability.
- Protects financial obligations in the event of a death.
Borrowing
Credit & mortgage insurance**
Protect all types of debt & assets, from small loans to large mortgages to businesses.
- Affordable coverage for credit union members.
- Cancel within the first 30 days if you are not satisfied.
- 24-hour claims service
- Covers monthly payments if you suffer job loss
- Covers monthly payments if become ill or injured and cannot work
Exploring
Travel insurance***
Protect yourself from delays, cancellations and medical costs while travelling.
- Preferred rates for credit union members.
- 24/7 emergency travel assistance worldwide.
- Help with lost or stolen travel documents
- Ambulance Services (land, sea & air
- Drugs prescribed during medical visit
- Rental of wheelchair or crutches
- Meals and accommodation for travel companion if you're hospitalized
- Travel costs to bring family member to your bedside if you're ill
Check out what's new with this program!
House.
Home insurance****
Shelters you from financial loss due to theft, unforeseen events and personal liability that may occur if someone is injured while visiting your home.
- Competitive rates for being a credit union member.
- Free advice and expertise.
- 24/7 claims service across North America.
Vehicle.
Auto insurance****
Shelters you from financial loss due to theft, unforeseen events and personal liability that may occur if someone is injured while visiting your home.
- Competitive rates for being a credit union member.
- Free advice and expertise.
- 24/7 claims service across North America.
- Simplified policy language that is clear for members and consistent across products
- Improved availability of coverage with no upper age limits
- Medical screening simplified to three intuitive questions
- Easy online access to an updated sales portal so credit union members can purchase travel insurance coverage directly
- Automated renewal capabilities on annual plans