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Investment Advice

Should I get an RRSP loan?

Getting an RRSP loan can help you catch up on your retirement savings and help boost your savings plan. RRSP loans offer low interest rates, extra payment options, and an annual cash rebate through the memberSHARE Loyalty Program.

With an RRSP loan you can also take advantage of the 60 day payment deferral option and push off your first loan payment until you receive your tax refund. It’s a savings win-win.


Registered savings plan and TFSA term deposit specials

30 month non-redeemable


Flexible 18 month


1 year memberSHARE


Other fees and terms

*Rates are subject to change without notice.

RRSP: Registered Retirement Savings Plan

Save for your retirement with a lifetime of benefits and tax savings


Invest and save for your future with a retirement savings plan.

  • Contributions are tax-deductible
  • Earnings are tax-free
  • Withdraw to buy a home or fund your education
  • Carry forward unused annual contribution room

TFSA: Tax-Free Savings Account

Save for your short and long term goals and grow your money tax-free

Save and grow your money in a tax-sheltered account.

  • Competitive interest rates
  • Flexible access to your money
  • Tax-sheltered earnings and withdrawals
  • Carry forward unused annual contribution room

RESP: Registered Education Savings Plan

Save for your children’s education and get government funded boosts

Invest in your children’s future and take advantage of grants.

  • Receive government grants
  • Tax-sheltered earnings
  • Individual or family savings plans
  • Use for part-time or full-time studies
Investment advice

Work with an expert to maximize your savings

From short to long term goals, financial advisors and financial planners can help you make the most of your savings. Find the right plan based on your eligibility, lifestyle, and saving needs and take advantage of government incentives and grants.


More details Book an appointment

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