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It is never too early or too late to start planning for your retirement. 

RCU offers a range of options to grow your wealth faster. Let us help you save today and manage your income wisely once you take the big step and retire. 



Enjoy the benefits of a Registered Retirement Savings Plan (RRSP). Earn an immediate tax break, don’t pay any taxes until you withdraw the funds, and watch your retirement income grow.  



A Tax-Free Savings account (TFSA) lets you earn tax-free investment income. Use it to complement your RRSP or to simply save for your financial goals. 



Once you turn 71, your RRSP can be transferred tax-free to a Registered Retirement Income Fund (RRIF). You must withdraw a minimum amount annually from your RRIF, but can invest up to a 5 year term to continue growing your money. 


Pension Maximization 

Every Canadian over the age of 18 that earns a wage has contributed money towards the Canada Pension Plan (CPP). All contributions are protected and will help you and your family once you retire or are no longer able to work.  


​Insurance During Retirement

It is just as important to have your assets protected when you retire as it is when you are a full-time wage earner. Consider some insurance changes you may need to make. A good life insurance policy will protect your assets for your heirs and continue any income for the people who depend on it. Health insurance can be a great help if you become sick and need special medical care. Make sure you choose the policies that are right for you and your family, and don’t get talked into getting more than you need. 


Don't forget about

Estate Planning

Help ensure that after death, your wishes are honoured and that your financial affairs are resolved quickly. 

Taking a Vacation

The hectic pace of everyday life can start to wear on all of us at some point. It's nice to have a break, a change of scenery. RCU can help you save and plan for that special get away. 


We work hard to give you the best rates possible.