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Lending & Insurance Services
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Products and Services

Lafleche Credit Union offers you a wide range of Products & Services.

DEPOSIT SERVICES
  • Chequing Accounts
  • Savings Accounts (Plan 24 and Special Savings)
  • CUSAVE
  • Youth Accounts
  • FatCat Youth Account
  • HeadStart Youth® Account
  • Term deposits
  • Ethical Funds®
  • RRSP, RRIF, RESP



  • LENDING & INSURANCE SERVICES
  • Personal loans
  • On-line loan applications
  • Personal line of credit
  • Quick Loans
  • Residential Mortgages
  • "Take 10" RRSP loan
  • Student loans
  • Community Development loans
  • Commercial and Agricultural lending products
  • Credit Disability Insurance
  • Credit Life Insurance
  • Members Term Life Insurance


  • MEMBERSHIP SERVICES
  • Membership Shares
  • Co-operative Trust Services
  • Member Referral Services


  • MemberCard
    MEMBERCARD®
    Your MemberCard gives you access to many recognized networks of automated teller machines and to Interac® Direct Payment services.
      MemberCards
    • Acculink® - network of credit union teller machines
      in Canada
    • Interac® - network of automated teller machines
      and direct payment merchant locations within Canada
    • Cirrus® - network of automated teller machines
      outside Canada
    • Maestro® - network of direct payment merchant
      locations outside Canada


    MASTERCARDS
    Global Payment MasterCard

    Global Payment MasterCard The Global Payment MasterCard offers you the convenience, flexibility and worldwide global acceptance of a traditional MasterCard credit card.  Global Payment MasterCard can be used anywhere MasterCard is accepted including shopping online, and accessing cash at an ATM.  But, unlike the traditional MasterCard credit card, the funds are automatically moved from your credit union account to pay off the balance after the transaction is completed.  Global Payment Mastercard is a convenient extension of your account and is only available through your credit union. Click here for product features.

    CU Credit MasterCardCU Credit MasterCard
    The best low fee credit card in Canada. This card offers tremendous value and benefits. Click here for product features.

    Choice Rewards
    Choice RewardsEvery time you use your Credit Union MasterCard Credit Card or Global Payment Card for purchases, you are rewarded with points redeemable for brand name merchandise, exciting travel packages and travel certificates. Click here for more details.



    OTHER SERVICES
  • ATM at Main Branch
  • Money orders in Canadian and U.S. funds
  • Travelers Cheques in Canadian and U.S. funds
  • Utility bill payments
  • Various other bill payments
  • Wire transfers
  • Automatic loan payments and transfers
  • Safety Deposit Box
  • Night Deposit service
  • Canada Savings Bonds


  • MEMBERDIRECT INFORMATION
    Choice RewardsSelf Service MemberDirect Internet Home Banking
    Introducing a new era in money management... MemberDirect online banking. MemberDirect is an innovative system that gives you 24-hour-on-line access to your personal or business accounts. With MemberDirect online banking you will be able to handle most of your financial transactions from a personal computer connected to the Internet. Simplify the business of money management with MemberDirect.

    With MemberDirect online banking you can:

    • Transfer funds (immediate)
    • View and print your statement information for up to a year
    • Pay bills (current or postdated)
    • Search for specific account information
    • Look up current U.S. dollar and British Pound exchange rates
    • Access both your personal and business accounts
    • Transfer funds from one member number to another (within Lafleche Credit Union)

    You will need the following equipment (minimum requirements):

    • An IBM compatible PC using 386 DX or higher microprocessor
    • Windows 95/98/NT
    • A Windows compatible mouse
    • VGA or higher resolution monitor or display
    • A modem (any speed, but a minimum 14400 baud is suggested)
    • 8MB RAM (24MB recommended)
    • A Java 1.02 aware browser such as Netscape Navigator 3.01 or Microsoft Explorer 3.02
    • An account with an Internet service provider




    CUSAVE ACCOUNTS

    The CUSAVE premium rate investment account offers a convenient and flexible way to save your money at a great interest rate. Interest is calculated on the daily balance and paid to the account monthly. The CUSAVE account is designed as a self-serve investment account used in combination with another account (usually a chequing account) at your credit union. You can transfer funds from one account to another 24 hours a day using MemberDirect on-line banking, or you can use a pre-authorized transfer that helps you to save effortlessly. There are no service charges on self-initiated electronic transactions – and unlike some “virtual” banks, there is no waiting period for the transfers. If you need money quickly just transfer funds from the CUSAVE account to your other account. It will be available right away!



    YOUTH ACCOUNTS
    FatCat Youth Account - This account is a special account designed for children under the age of 12. Help your child learn the benefits FatCat Logoof saving and how to operate a savings account. The account pays interest and has no service charges.

    Click here to play the latest FatCat games.


    HeadStart Youth® Account - This account is designed for youth between the ages of 12 and 18 to promote money management. HeadStart LogoIt offers additional features such as chequing privileges and Acculink ATM, and has no service charges.


    ETHICAL FUNDS®

    Saving for Retirement
    There's good money to be made

    Make your money work harder with The Ethical Funds® Company. Why? Adding values to your investment goals can make a difference. Combining performance with responsibility can help you make money. Good money.

    A Registered Retirement Savings Plan (RRSP)
    A Registered Retirement Savings Plan (RRSP) is your best opportunity to save for a worry-free retirement. The added benefits of an RRSP include tax deductions and tax-sheltered compound growth.

    The Ethical Funds Company adds value to your RRSP with:

    • A full range of mutual funds in a variety of categories to help diversify your retirement savings portfolio
    • Solid financial management by top portfolio mangers with specialized expertise from around the world
    • Competitive returns on your RRSP investment
    • Investments that work for your future AND for your values

    About The Ethical Funds Company
    The Ethical Funds Company is Canada's leading manager of socially responsible investments. Socially responsible investing is about investing according to financial objectives — making money, preserving capital and maximizing the tax efficiencies of investments — and investing according to values.

    The Ethical Funds Company carefully applies the Ethical® Principles to screen all investments in its Funds-and monitors all companies held to ensure they continue to meet all objectives.

    The Ethical® Principles

    The Ethical Advantage
    The Ethical Funds Company works with companies held in the Funds, as well as industry, regulatory agencies and like-minded organizations to encourage increased responsibility and sustainability. This also helps to improve the performance of companies held in the Funds. Learn more about how The Ethical Funds Company works with companies.

    Getting Started is Easy
    Contact your investment professional today to find more about saving for your retirement with The Ethical Funds Company.

    Mutual funds are offered through Credential Asset Management Inc. and 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 fund securities and cash balances are not insured nor guaranteed, their values change frequently and past performance may not be repeated. Credential Securities Inc. is a Member - CIPF. ®Ethical and Ethical Funds & Design are registered marks owned by Ethical Funds Inc.

    Ethical Funds are sold in all provinces and territories across Canada.


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