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Personal knowledge centre

A library of financial tips to guide you

  • Knowledge Centre
Smart investing

Your RRSP savings is for more than just retirement

Save for your future and take advantage of tax savings as well as education and homebuying plans.  


Explore your investing style


Build a balanced savings plan

From saving for a major purchase to diversifying your investments, savings tools like TFSAs, RRSPs, and term deposits can help build a plan that fits your lifestyle.

Build a balanced investment plan

From enhancing your financial plan to growing your retirement portfolio, savings tools like TFSAs, RRSPs, and term deposits can help build a plan that fits your lifestyle.

Build a balanced retirement plan

Work with an expert to make the most of your retirement savings, from enhancing your financial plan to growing your retirement portfolio.

Talk to an advisor 

Home and living

Tips and advice for everything from buying your first home to moving your family to the Fraser Valley


Home ownership
Buying your first home

Get it right the first time. When it comes to buying your first home, there are a lot of factors to consider. From setting a budget to the offer process and financing, learn everything you need to know about making your first homebuying experience a breeze.

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Moving to the Fraser Valley

The Fraser Valley offers a beautiful combination of urban family living, community spirit, and nature. Learn about the vibrant communities, family-friendly events and activities, and the affordable living the Fraser Valley has to offer.

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Saving on your mortgage
What is blend and extend?

If you’ve ever financed a purchase with a fixed borrowing rate, you know that it has pros and cons. Fixed-rate financing can save you a lot of money and peace of mind if borrowing rates increase, but they can also prevent you from taking advantage of a better rate if rates decrease.

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Smart investing

Strategies and advice for investing, from your first term deposit to your retirement income plan


Investment plans
What is an RRSP?

Available for working Canadians, Registered Retirement Savings Plans (RRSPs) offer a smart way to save for retirement. RRSP contributions are tax deductible and can lower the amount of income tax you’ll pay during your highest earning years. Funds in an RRSP grow tax-free as long as the money stays in the account. Plus, you can use your savings to fund your education or buy your first home.

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Savings tips
Pay yourself first

Pay yourself first by making regular contributions to your savings. Start saving early and contribute often to allow your money more time to accumulate and earn compounded interest. Take the time to review your spending monthly and set aside money for your future.

  • create a savings plan, then review and adjust as your needs change
  • Save as much, and as often as you can
  • Keep a portion for easy access

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Advice and recommendations to make the most of your borrowing options


Borrowing tips
When to choose a loan

You want a structured plan with set monthly payments. Get funds to make a one-time large purchase, or catch up on your RRSP contributions. Consider a loan if you want to:

  • Fund a large purchase
  • Pay for a one-time unexpected expense
  • Contribute to your RRSPs and save on taxes

View personal loans  

Borrowing tips
When to choose a line of credit

You want ongoing access to money and the freedom to withdraw and deposit funds as you go. Consider a line of credit if you want to:

  • Get ongoing access to your money
  • Prepage for unexpected expenses
  • Pay interest only on the money you use

View personal lines of credit  

How to make the most of our banking tools

Tips and step-by-step instructions on how to perform a variety of banking tasks online and in person


Send an Interac® eTransfer

With Interac® eTransfer, you can send money via email or text. Simply log in to your online banking via desktop, smartphone, or app and follow these steps:

  • Select Interac eTransfer
  • Select Send Interac eTransfer
  • Select a recipient from your recipient list
  • Choose the delivery method
  • Select an account to send from
  • Enter the amount of money you want to send
  • Click Send Transfer to complete the transaction  
Deposit a cheque using your smartphone

With Deposit Anywhere, you can quickly and securely deposit cheques using your smartphone or tablet.

Here’s how:

  • Open the app on your smartphone
  • Select your account and enter the amount
  • Snap a photo of the front and back of your cheque
  • Confirm the details and tap Submit  
Set up direct deposits online

Direct deposits are a great way to make sure you recive funds safely and quickly. You can find the information you need to set up direct deposits by following these simple steps:

  • Login to online banking and select the account you wish to deposit funds into
  • Under the Account Details section on the right, you can view your Transit/Branch Number, Institution Number, and full 12-digit Account Number
  • Use this information when filling out direct deposit forms online

Choose Aldergrove Financial

Earn cash back

Get an annual cash bonus when you bundle qualifying products. 

3,600+ ATMs

Access your money across Canada with over 3,600 free ATMs and seven local branches.

Digital banking tools

Budget, bank and learn using online and mobile banking solutions 24/7.

No-limit banking

Get excited to save and spend with affordable account options including unlimited transactions.

How to reach us



Send us an email and get a response within one business day.


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7:00 am - 7:00 pm
Saturday 8:00 am - 4:00 pm

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Financial Advisor.

Visit a branch

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®Trademark of Interac Inc. Used under license
With Interac e-Transfer, recipients don’t have to wait for the funds to clear. Money can be instantly accessed after the transfer is accepted. However, to immediately receive a transfer, the recipient must bank with a participating financial institution. If the recipient’s institution does not offer Interac e-Transfer, the transaction will usually take three to five business days.

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Aldergrove Financial is a trade name of Gulf and Fraser Fishermen's Credit Union