* short terms offered 30 - 364 days

* long term from 12 - 60 months

* guaranteed rate of return

* should be held to the expiry

* terms from 12 - 60 months

* guarnteed rate of return

* redeemable at anytime (early penalty applies)

All terms will automatically renew for a like term upon maturity unless otherwise specified by the member.

For information on our special MarketFlex, Prairies Basket, or Global Market Index-Linked products click here.

REGISTERED RETIREMENT SAVINGS PLAN (RRSP)

Cypress Credit Union offers a variety of options for investing your RRSP. As with all deposits at the Credit Union there is a full guarantee of all deposits through the Deposit Guarantee Corporation.

A Registered Retirement Savings plan is a government approved plan that allows you to save money for your retirement. During your peak earning years you can invest to build your retirement fund while saving money on your taxes. Interest earned on these savings is not taxable until the funds are withdrawn. Any interest earned is compounded and the growth of an RRSP increases rapidly over the years.

Anyone who has "earned income" subject to Canadian taxation, including non-residents, may contribute to an RRSP. You can also make a part of or all of your contribution to a plan in your spouse's name. You as the contributor still benefit from the tax deduction. Limits to RRSP contributions are based on "earned income" of the previous year. You can also carry forward any unused portions.

REGISTERED RETIREMENT SAVINGS PLAN OPTIONS

INDEX LINKED INVESTMENTS

MarketFlex Investments
Click here for more information.

Prairies Basket Investment
Click here for more information.

Global Market Investment
Click here for more information.

RRSP Variable Plan

RRSP Variable plan ensures that your investment keeps pace with current interest rate trends. Interest rates are reviewed and adjusted regularly, giving you very competitive rates on your investment. This savings plan allows you to make deposits as often as you like. This product is redeemable and accessable to you at any time. Take advantage of deferred tax savings and enjoy the flexibility of transferring a minimum of $500.00 to a fixed plan at anytime.

About Credential Securities Inc. Credential Securities Inc. is a full-service investment dealer offering Canadians a wide range of investment products and services. Credential Securities® Investment Advisors operate through credit unions and affiliated organizations. The Credential Securities approach is founded on the credit union tradition of service and integrity. We understand that financial security, more than anything, means peace of mind for you and your family. Your needs are always foremost in the relationship with your Credential Securities Investment Advisor. Credential Securities Investment Advisors are trained to assess your particular financial needs and design an investment program to help you achieve your goals and prepare for a secure retirement. Your investment program can include Canadian & US stocks, bonds, money market products like T-bills, or a selection from thousands of mutual funds offered by Canada's leading fund companies. Your Credential Securities Investment Advisor provides sound professional advice to help you build and preserve your wealth and grow your investment portfolio. Start investing in your future today. Simply contact Cypress Credit Union and ask to speak with a Credential Securities Investment Advisor.

Mutual funds and other securities are offered through Credential Securities Inc. Commissions, trailing commissions, management fees, and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Unless otherwise stated, mutual funds and other securities are not insured nor guaranteed, their values change frequently, and past performance may not be repeated. Credential Securities Inc. is a Member-CIPF. ®Credential and Credential Securities are registered marks owned by Credential Financial Inc. and are used under licence. CSI 2004 12 016