Spending products.
View our rates Product and service fees
Bank your way.
Agriculture Unlimited
Don't let trasaction limits get in your way.
- Unlimited debit transactions.
- Unlimited e-Transfers.
The essentials.
Agriculture Basics
A low fee basic agri-business account.
- 5 free debit transactions
- 2 free e-Transfers
Bank across the border.
US Dollar
Buy and store U.S. currency.
- Interest earning.
- Unlimited deposits.
Saving products.
View our rates Product and service fees
Low-cost.
Agriculture Simple Save
Keeping saving simple.
- Unlimited free deposits
- 2 free debit transactions
Earn more.
Business Premium Savings
Make your money work for you.
- Earn higher tiered interest
- 1 free debit or credit transaction
Government matching.
AgriInvest
Safeguard your operations' future.
- No-fee, interest bearing
- A government held account that will match 1% up to $10,000 of your annual net sales
Borrowing products.
Property ownership.
Agriculture Mortgage
For the purpose of agriculture land or buildings.
- Fixed and variable interest rates available.
- Highly flexible lending options.
Safety net.
Agriculture Overdraft
A safety net for when the unexpected happens.
- Interest rate based on prime
- Revolving credit
On-demand.
Operating line of credit
On-demand access to credit for important purchases.
- Competitive rates
- No penalty for early payout
Your choice.
Agriculture Term Loans
For capital investments, expansion and equipment.
- Fixed or variable interest rates
- High lending limit
Have it all.
AgriOne
A lending solution that benefits members by providing multiple credit facilities under one title registration.
- Variety of available products including mortgages, LOCs, Loans, and Overdraft
- Save money on individual application fees
Vehicles.
Auto Financing
Your local one stop financing for automotive, RV, leisure and marine.
- Flexible payment options
- Competitive rates
- Financing at nearly 500 dealerships across AB.
Investing products.
Pooled assets.
Mutual Funds*
A pool of securities professionally managed by fund managers.
- Socially responsible investing.
- Investment solutions for everyone.
- Can be held in an RRSP, TFSA, or RRIF.
Locked-in.
Term Deposits
Ideal for locking away funds at a guaranteed rate of return.
- Redeemable and non-redeemable options.
- Variety of term lengths.
- 100% deposit guarantee.
Performance Product.
Market Advantage
Take advantage of the market, without the risk.
- Potential for a higher rate of return than most term deposits.
- Principal of deposit is 100% guaranteed.
- Various portfolio options customizable to you.
Planning.
Private Wealth
Personalized financial planning and investment solutions to manage and grow your wealth.
- Financial planning and advice.
- Investment opportunities for unique goals.
- Securing your financial future.
Government matching.
AgriInvest
Safeguard your operations' future.
- No-fee, interest bearing
- A government held account that will match 1% up to $10,000 of your annual net sales
Member perks.
Common Shares
Every member receives dividends for their investment shares and common shares.
- Purchase up to $200,000 in common shares at any time.
- Dividend payouts happen every November.
- Paid out at a rate of 5.50% in 2023.
Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Unless otherwise stated, cash balances, mutual funds and other securities are not insured nor guaranteed, their values change frequently and past performance may not be repeated.
*Mutual funds and other securities are offered through Aviso Wealth, a division of Aviso Financial Inc. Online brokerage services are offered through Qtrade Direct Investing, a division of Aviso Financial Inc.
Insurance products.
connectFirst Wealth
Life Insurance*
Protect your future and your loved ones with Critical Illness, Disability and Personal Insurance.
- Lump sum of tax-free funds after critical illness diagnosis.
- In the event of death, premiums are refunded to beneficiary.
- Provides a financial safety net when earning power is compromised due to a disability.
- Protects financial obligations in the event of a death.
Borrowing
Credit & mortgage insurance**
Protect all types of debt & assets, from small loans to large mortgages to businesses.
- Affordable coverage for credit union members.
- Cancel within the first 30 days if you are not satisfied.
- 24-hour claims service
- Covers monthly payments if you suffer job loss
- Covers monthly payments if become ill or injured and cannot work
Exploring
Travel insurance**
Protect yourself from delays, cancellations and medical costs while travelling.
- Preferred rates for credit union members.
- 24/7 emergency travel assistance worldwide.
- Help with lost or stolen travel documents
- Ambulance Services (land, sea & air
- Drugs prescribed during medical visit
- Rental of wheelchair or crutches
- Meals and accommodation for travel companion if you're hospitalized
- Travel costs to bring family member to your bedside if you're ill
House.
Home insurance**
Shelters you from financial loss due to theft, unforeseen events and personal liability that may occur if someone is injured while visiting your home.
- Competitive rates for being a credit union member.
- Free advice and expertise.
- 24/7 claims service across North America.
Vehicle.
Auto insurance**
Shelters you from financial loss due to theft, unforeseen events and personal liability that may occur if someone is injured while visiting your home.
- Competitive rates for being a credit union member.
- Free advice and expertise.
- 24/7 claims service across North America.
Services.
Partnered with Helcim.
Merchant Services
A world-class payments solution for your business, built right here in Alberta.
- Honest & affordable Interchange Plus Pricing.
- Ability to accept online, in-person or keyed-in payments.
- A full suite of software & tools included free with your account.
- No monthly fees, no contracts, and absolutely no hidden fees.
- Included services: Point of sale, online invoicing, fully-hosted online store, recurring payments, virtual terminal, secure card vault, inventory, and much more.
Get paid.
Payroll management
Paying your employees is vitally important - and we're here to make that process easy.
- Payroll management.
- Human Resource Tools.
- Time and Labour Management.
- Occupational Health and Safety.
Do it yourself.
Cheque Capture ™
Deposit cheques within the comfort of your office instead of in the branch.
- No delay to see the whole picture of your finances.
- Ideal for processing a high volume of cheques, accelerating clearings, and improving cash flow.
Partnered with CAFT.
EFT Processing
Improve cash flow management by seamlessly transferring funds electronically.
- Set up direct deposit for things such as payroll, bonuses, vacation pay, and account payable.
- Set up preauthorized debits for things such as rent, fees or dues, donations, and accounts receivable
Efficiency.
Cash Management
Everything you need to efficiently manage your cash.
- Cash Services & Logistics.
- Corporate Creditor.
- Night Deposit.
- Group banking.
- and much more.