DEPOSIT PRODUCTS

Personal Chequing Account

• No minimum balance or deposit.
• Access your account electronically.
• Monthly statement provided at no charge.

Maximizer®

• A tiered daily interest bearing chequing account.
• Access your account electronically.
• With required minimum of $1,500.00 balance, enjoy no cheque charges.
• Interest calculated on minimum daily balance and credited monthly.
• Monthly statement provided at no charge.

Fat Cat® and Headstart®

• A minimum $10.00 balance must be maintained.
• Daily interest accounts for members up to age 19.
• Chequing privileges on the Headstart® account.
• Access your account electronically with parent’s consent.
• Free cheque service charges.
• Interest calculated on minimum daily balance and credited monthly.
• Monthly statement provided at no charge.

Graduate

• Minimum $10.00 balance must be maintained.
• Available to post-secondary students up to and including age 24.
• Access your account electronically.
• No service charges on electronic debit transactions.
• Interest calculated on minimum daily balance and credited monthly.
• Monthly statement provided at no charge.

Heritage

• Available to members over age 60.
• No cheque service charges.
• Access your account electronically.
• Monthly statement provided at no charge.

Access – PC Tools

• No Minimum deposit required
• Non chequing account.
• Access your account in branch or electronically. Monthly fee for regular card purchases and local ATM service
• No mailed statements – statement through Memberdirect (E Statement)
• Normal charges for Interac, Plus or Cirrus card service

Agri Invest

• A tiered daily interest bearing savings account.
• Access your account through branch
• No service charge.
• Interest calculated on minimum daily balance and credited monthly.

Plan 24

• Daily interest savings account.
• Interest calculated on minimum daily balance and credited monthly .
• Access your account electronically.
• Monthly statement provided at no charge.

Please Note: ATM transaction fees through the Interac® and Cirrus® Networks are not included in the free service charges.

USD Personal Chequing Account

• No minimum balance or deposit.
• Funds deposited as United States Denomination
• Monthly maintenance Fee.
• Monthly Statement

TOP OF PAGE

INVESTMENT PRODUCTS

The Credit Union Deposit Guarantee Corporation guarantees all Bengough Credit Union Term Deposit products and Bengough Credit Union Registered Retirement products. Our deposits are also eligible for any patronage dividend we announce. Interest is credited to the deposit account of the member's choice.

Financial Planning:
The Bengough Credit Union can help you with your financial planning and estate planning needs. We have a trained financial planner on staff.

Term Deposits

Index Linked Investment Product for both Registered and Non Registered:

• Rate of return based on market type index offered 
• Deposit principal guaranteed.
• Non-Redeemable, funds locked in for term length

Redeemable Product:

• Minimum deposit $50.00.
• Offered for one to three years.
• Redeemable on the interest anniversary date with no penalty. Redeemable between anniversary dates with a penalty.

Non-redeemable Product:

• Minimum deposit $1,000.00.  Minimum deposit $10,000.00 on Premium rate
• Offered for periods between 30 days to 5 years.

Registered Retirement Savings Plan & Registered Retirement Income Funds

Non-redeemable Product:

• Offered for terms of one to five years at fixed rates.

Redeemable Product:

• Variable rate savings account.

MUTUAL FUNDS*
The Ethical Funds Company®

• Available as a regular mutual fund investment or as a RRSP product or RRIF product.
• Talk to a Credential Asset Management Inc. Mutual Funds Investments Specialists about these products.

Mutual Funds are offered through Credential Asset Management 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 fund securities and cash balances are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. ®Credential is a registered mark owned by Credential Financial Inc. and is used under license. ®The Ethical Funds Company is a registered mark owned by Ethical Funds Inc. and is used under license.

TOP OF PAGE

OTHER SERVICES

SAFETY DEPOSIT BOXES
The Bengough Credit Union has Safety Deposit Boxes for rent at a low annual fee. There are two sizes of safety deposit boxes. Pick the one that best suits you.

TRAVELLERS CHEQUES
We have American Express Travelers cheques, in either Canadian funds or US. No fee.

MONEY ORDERS AND BANK DRAFTS
Money orders and bank drafts are available. Money orders are available in either Canadian funds or US.Bank drafts can be purchased in any legal currency.

TOP OF PAGE

BENGOUGH CREDIT UNION FAMILY OF CARDS

	MEMBER CARD Debit Card® The Member Card Debit Card® has become one of the most popular ways to access your account, whether it is to obtain cash or to make a purchase. The Member Card Debit Card® allows you to get cash anytime you want at any ATM or any cash machine that displays the INTERAC® or CIRRUS® symbols. With your Member Card Debit Card® you can also make purchases at any place that has the INTERAC® Direct Payment Service available.
	GLOBAL PAYMENT MASTERCARD® The GLOBAL PAYMENT Card® is the card that acts like a cheque. Use the GLOBAL PAYMENT Card® to make purchases and the amount will be taken out of your account just like a chance. Attach a PIN to it and you are ready to withdraw cash from an ATM or Cash Machine. It is accepted anywhere where MasterCard® is accepted.
CREDIT UNION CREDIT CARDS
	LOW FEE MASTERCARD® The Credit Union Low Fee MasterCard® gives you select features and benefits with a low annual fee. Enjoy the security of Purchase Protection and Extended Warranty on most items purchased with your MasterCard. Travel worry-free with Master Road Assist, Trip Cancellation Insurance. For added benefits attach our CHOICE Rewards Program to your card and earn points that can be redeemed for merchandise. Annual fee applied. Earn points that can be redeemed for merchandise. Annual fee applied.
	CREDIT UNION NO FEE MASTERCARD® The No Fee MasterCard® perfect for you if you are not interested in a value-added credit card. You will automatically accumulate CHOICE Rewards points with this card, but at half the rate of other Credit Union MasterCard® credit cards (1 point for every $2 spent on the card). No annual fee.
	CREDIT UNION GOLD MASTERCARD® The Gold MasterCard® offers you an outstanding set of features, such as MasterRental, MasterTrip, MasterLegal and MasterPurchase. This is the perfect card for those of you who require a higher credit limit and the added security of an extensive travel package. For added benefits add on our Choice Rewards Program. Annual Fee.
	CREDIT UNION STUDENT MASTERCARD® If you are a student between 18 and 25 years old enrolled in a post-secondary institution, this MasterCard® has everything you need to make the grade. Receive a credit limit up to $1000 and start building a credit history – before you graduate. The Student MasterCard® features Purchase Protection and Extended Warranty insurance’s on most purchases you make with the card. The core features of this card are automatically yours. Flexible and convenient, the Student MasterCard® is a great credit card for you. No annual fee. Join the CHOICE Rewards Program for added benefits.

TOP OF PAGE

LOAN PRODUCTS

Personal Loans

• For consumer purchases.
• Auto-financing for purchase and repair to new and used vehicles.
• Student loans to fund educational needs.
• Line of Credit for travel or to guard against overdraft.
• Competitive rates and terms.
• Save money as these loans are open to prepayment without penalty.

Mortgage Loans

• Conventional residential and farm mortgages available with a variety of term options.
• Pre-approved mortgages are available.
• Payment frequency are open to members option.

Agriculture Loans and Business Loans

• For the purchase of equipment, inventory and cattle.
• For operating loans and Line of Credit.
• Save money as these loans are open to prepayment without penalty.

Please Note* Advantages of a Bengough Credit Union Loan:

• Most Bengough Credit Union loans qualify for any year-end interest rebates.
• Loan Life & Disability Insurance is available to qualified borrowers
• All types of loans with competitive rates and repayment terms.
• We understand agriculture and are here to serve our members for the long term.