Smart Business Investing for Your Success

Invest and Save for Business Success

You work hard for your business.
Now, let your business work hard for you with our range of saving and investing options.

Summer Saving Special

	12 Months Redeemable Cashable after 90 days with no penalty	24 Months Redeemable Cashable after 180 days with no penalty	12 Months Non-Redeemable Auto renews into a 1-year term at maturity	24 Months Non-Redeemable Auto renews into a 2-year term at maturity	60 Months Non-Redeemable 20% of original balance redeemable on anniversary with no penalty
Rates as high as:	2.35%*	2.45%*	3.55%*	3.60%*	3.70%*

Interest compounded annually or paid to account.
Health/Job Interruption Feature: no-penalty redemption (in whole) in case of a medical emergency or job interruption.
Patronage Rewards apply.

*Promotional rates are shown as high as – terms and conditions apply, and are dependent on new money being brought to the credit union. Please note that all rates and promotional offers are subject to change without prior notice. Our credit union reserves the right to modify or end any rates and promotions at any time based on market conditions or other factors. We encourage our members to check our website regularly or contact us directly for the most current rate information.

Business Savings Programs

Grow your business faster with business savings options built to support you at every stage of growth.

Community Bond

Overview

The Community Bond is our flagship savings product. It’s a secure investment with numerous benefits!

Available in January and September offering very competitive rates.

Benefits

Great Rates! – GIC, RRSP, RRIF, TFSA and RESP eligible
We Keep it Local – Money invested goes back to our community in the form of loans and mortgages
Flexible – Some bonds are redeemable allowing you access to your money if an opportunity or emergency arises
Health/Job Interruption Feature – No penalty if you need to redeem your investment for medical emergencies or job interruption (the entire investment must be redeemed, and it can usually be done the same day)
Depositors are 100% protected* by CUDIC

*B.C. Credit Union Deposits are 100% guaranteed by the Credit Union Deposit Insurance Corporation of British Columbia.

Take advantage of guaranteed returns

There’s nothing more satisfying than watching your business savings grow. StellerVista offers a full range of secure Term Deposits, from short to long term, at highly competitive rates.

Term Deposits

Overview

There’s nothing more satisfying than watching your business savings grow in a secure investment. We offer a full range of Term Deposits, from short to long term, at highly competitive rates.

Key Features

Terms from 30 days to five years with interest rates guaranteed for the length of the term
Interest paid annually or at maturity and automatically credited to the account of choice
Redemption prior to 30 days – no interest paid. After 30 days – 2.25% penalty to a minimum rate paid on the deposit of 0%

Index-Linked Term Deposit

Overview

The index-linked term deposit is an ideal option for you if you want to potentially earn greater returns from the stock market without risking your principal investment.

Key Features

Principal investment is guaranteed
RRSP, non-registered and TFSA eligible
3 and 5-year terms (non-redeemable)
$1,000 minimum investment
No fees and commissions
100% protected* by CUDIC

*B.C. Credit Union Deposits are 100% guaranteed by the Credit Union Deposit Insurance Corporation of British Columbia.

Accumulator

Overview

Pay yourself first and accumulate more business savings! Our Accumulator makes it easy for you to save for any business goal.

Key Features

Earn a better rate of interest than a savings account, compounded and paid annually*
Monthly, semi-monthly, bi-weekly, or weekly payments automatically debited from your account (minimum $50.00 per month required)
Choose from a 1 to 5-year term, accumulating with an initial deposit or simply save as you go! You decide.
100% protected** by CUDIC

*The periodic payment term is one (1) year only and expires prior to the first anniversary date of the Accumulator. No interest is payable if the Accumulator is redeemed prior to it reaching its full certificate value. If redeemed after the Accumulator reaches its full certificate value, it is then redeemable with the posted penalty rate at time of purchase.

**B.C. Credit Union Deposits are 100% guaranteed by the Credit Union Deposit Insurance Corporation of British Columbia.

Business Wealth Management

Looking to Invest Longer-term?

Invest for your business however suits you best.

Business Online Brokerage*

Overview

Self-manage your business investments with ease and confidence on Canada’s #1 online trading platform. Our partner, Qtrade Direct Investing®, empowers you to buy and sell stocks, ETFs, and mutual funds on major Canadian and U.S. stock exchanges.

Key Features

Exceptional value – $8.75 stock trades for everyone, regardless of account value, and $6.95 stock trades for more active traders. Plus, choose from 60 free ETFs and trade mutual funds commission free.
Award-winning platform – Trade from your desktop or mobile device with an intuitive online investing platform rated one of Canada’s best by independent reviewers.
Outstanding service – Get the right answers and solutions, right away with help from Qtrade’s expert investment representatives.
Accounts you need – Non-registered and registered accounts, including cash, margin, RSP, TFSA, RESP, RIF, and more.
Investment choices – Build a diversified portfolio from a wide range of investments including stocks, ETFs, mutual funds, bonds, GICs, and options, plus new issues/IPOs.
Industry-leading tools – Build, evaluate, and test your portfolio using Qtrade’s advanced analyst research and tools, including market news, model portfolios, technical data, and much more.

*Online brokerage services are offered through Qtrade Direct Investing. Mutual funds and other securities are offered through Aviso Wealth. Qtrade Direct Investing, Qtrade Guided Portfolios and Aviso Wealth are divisions of Aviso Financial Inc.

Digital Advice*

Overview

Invest your money, not your time with digital advice from our partner, Qtrade Guided Portfolios^®. A simple and convenient online investing service, it provides you with a professionally managed, low-cost portfolio to match your business goals.

Key Features

Fully automated online service you don’t need to monitor or manage
Professionally designed portfolios matched to your financial goals
Continuous oversight and regular rebalancing by their team of experts
Assistance from knowledgeable investment reps when you need it

Business Financial Planning

Overview

Our experienced financial advisors through StellerVista MoneyWorks* (Qtrade Advisor) are here to help you meet your goals. They provide comprehensive, customized financial planning and investment management to ensure your business is on track for long-term success.

Key Features

Invest well with your unique business needs in mind
Develop a customized financial plan that minimizes tax and maximizes income, with your risk tolerance top of mind
Plan a succession strategy tailored to your business
Create peace of mind knowing your business is protected by insurance

*StellerVista MoneyWorks is a division of 0948859 B.C. Ltd. which is a jointly owned subsidiary of StellerVista Credit Union & Nelson and District Credit Union. 0948859 B.C. Ltd. is a licensed life insurance agency offering financial planning, life insurance and investments. All insurance products are subject to the limitations, terms and conditions in the applicable policy or insurance contract in force at the time of purchase or enrolment and applicable legislation. The products sold through 0948859 B.C. Ltd. are not guaranteed or insured by a deposit insurer.

Expert Guidance

Let our experts help you plan for business success.

Self-Managed Investing

Do your own investing for your business goals.

Automated Investing

Set your investing on professional autopilot.

Talk to one of our experienced financial advisors

Whether you prefer your business investments to be automated, self-managed or guided by experts, we have access to the solutions and services to support you.