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
$1.25/transaction and $1.00/e-Transfer after those included.
- 10 free debit transactions.
- 2 free e-Transfers.
Open online
Book an appointment
Bank your way.
Unlimited
FREE for members 60+.
- Unlimited transactions.
- Unlimited e-Transfers.
Book an appointment
Premium benefits.
Platinum
FREE with a balance of $7,000+.
- Unlimited banking.
- Free safe deposit box.
Book an appointment
Everything you need.
Digital+
FREE for members 25 and under.
- Unlimited free e-transfers.
- Unlimited self-serve transactions.
Book an appointment
Start young.
Kids
FREE for members 12 and under.
- Interest earning.
- 5 free e-Transfers.
Call us
Bank across the border.
US Dollar
$1.25 for in-branch withdrawals.
- Interest earning.
- Unlimited deposits.
Call us
Saving products.
View our rates Product and service fees
More access
Simple Save
$2.00/transaction after those included.
- Free deposits.
- 2 free withdrawals per month.
Book an appointment
Higher interest
Save More
$5.00/transaction after those included.
- Free deposits.
- Higher interest rate.
Book an appointment
Borrowing products.
Low-rate.
Simple
Mortgage
A locked-in mortgage product at our lowest rate possible.
- 5-year term.
- fixed rate.
- Conventional or high ratio.
Book an appointment
We'll come to you
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
Cash back.
Cash Back Mortgage
Money back in your pocket, plus you'll get a great rate.
- 5-year term.
- Fixed rate.
- Up to $3,000 cash-back.
We'll come to you
Payments back.
Head Start Mortgage
Get the amount of your first three payments back.
- 5-year term.
- Fixed-rate.
- Get your first three payments back
We'll come to you
Get more.
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.
Call us
On-demand.
Line of Credit
On-demand access to credit for important purchases.
- Insured or uninsured.
- No maximum lending amount.
Call us
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.
Call us
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.
Call us
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.
Call us
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
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 losing your principal.
- Higher rate of return than term deposits.
- Principal of deposit is 100% guaranteed.
- 3 and 5 year term lengths.
Retirement savings
RRSP
Tax-sheltered savings umbrella used to save for retirement.
- Contributions are tax-deductable.
- 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 withdrawls.
- 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.
- Dividend payouts happen every November.
- Paid out at a rate of 4.95% in 2022.
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, EFTs 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.
*Life Insurance is offered through Connect First Wealth Ltd.
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.
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.
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.