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cheques online!

Chequing
A safe, convenient and organized way to track your expenditures. Monthly statements include cancelled cheques. Overdraft protection is available on approval.

• Personal Chequing

• Investment Chequing

Savings
USCCU savings plans pay off in more ways than one! Our savings plans pay off in three important ways: financial flexibility, convenience, and good returns. Choose from a complete range of savings plans designed to work for you.

• Term Deposits
  The interest rates that are paid on credit union term deposits can help you realize your savings goals sooner. Members wishing to receive a guaranteed return may purchase a term deposit in periods from 30 days to 5 years.

• Plan 24 Daily Interest Savings
  Earn interest on your daily balance with no minimum balance requirements. You can deposit as little as you like for as long as you want and still earn competitive rates. Interest is calculated every 24 hours no matter when you deposit or withdraw funds.

• Special Savings

• U.S. Savings

• Youth Accounts

• Trust Accounts

• Index-Linked Term Deposits
  A safe risk for conservative investors. Performance is geared to the Toronto 35 Index and you get a guaranteed return of principal. RRSP eligible.

Registered Plans

• Retirement Savings (RRSP)
  Real benefits, personal service, and a secure investment at competitive rates. Both fixed rate and variable rate are offered. Deposits can be made conveniently through payroll deductions.

• Retirement Income (RRIF)
  Security, flexibility and control. Set the payment amount that's convenient for you (monthly, quarterly, semi-annually or annually). Lump sum payments are also available.

Loans
Service is an important consideration with any loan. Our loans staff are trained professionals ready to provide confidential prompt, helpful and personal service on loan applications and other important financial questions. Your credit union's lending program offers great service and competitive features which include:

            attractive rates
            payroll deduction payments
            payments tailored to your pay period
            maximum 60 month term

• Personal Loans
  Each member may apply to borrow up to the credit union by-laws limits for any constructive purpose. Life insurance is provided for qualified borrowers up to age 65 (and to a co-signing spouse if applicable) through Credit Union Insurance Services (CUIS) at no additional charge. Other features include:
  
  * fully open, no prepayment penalties
  * simple interest: you pay only on the amount you owe, for the time you
  * owe it low cost disability insurance available

• 
  Mortgage Loans
  Mortgage products include: Home Equity Line of Credit, 1st and 2nd Conventional and CMHC insured mortgages. Open, closed and variable rate mortgages are available. Up to 20% of the principal balance may be prepaid once a year and payments can be doubled on any and every payment date. There are no renewal fees and optional life insurance is available.

Insurance Plans

• Credit Life and Disability Insurance

• Group Mortgage Protection

Member Card

• INTERAC ® and PLUS Systems ®

• INTERAC ® Direct Payment

Additional Services

• MasterCard Credit Card

• U.S. Cash

• Newsletter

• Monthly PCA Statements

• Safety Deposit Boxes

• Canada Savings Bonds

• Money Orders - Canadian and U.S.

• Travelers Cheques

• Utility Payments

• RRSP Transfer-In

• Direct Deposit

• AFTs (Automatic Funds Transfer)

• Seniors' Priviledges Program

• Pre-Authorized Cheques

• Direct Payroll Deposit

• Passport Guarantor

Deposits Are Fully Insured
All member share, deposit and chequing accounts are fully insured with the Deposit Insurance Corporation of Ontario (DIC0) to a maximum of $100,000. Funds deposited under RRSPs and RRIFs are also fully insured up to $100,000 per contract.

Mutual Funds
Investment Specialists at YOUR credit union can now offer a much wider selection of funds for your Retirement and Tax Planning needs.

Mutual Funds include:

• Spectrum United Funds

• Trimark Mutual Funds

• Mackenzie

• Fidelity Mutual Funds

• Dynamic Mutual Funds

• AGF Group of Funds

• & more!

At USCCU our members come first...always have, always will!

Let us help you plan your retirement so that you can do those things you have always wanted.

Time for a new car? Let us help put you in the driver's seat.

Time for a new home? We've got great rates and flexible options.