We provide access to a wide variety of investment products to suit your short-term and long-term investment objectives. With the OPPA Credit Union, you also benefit from the support of your Financial Advisor who is trained to help you make sound investment decisions, whether you want to invest for your retirement, plan for your child's education or simply save for a new car. 

Index Linked Term Deposits

Index Links offer the potential to double your money with no risk to your principal. Index linked Term Deposits are available to purchase every two months. Although the return rate is not guaranteed, the 5 year investment has a potential return of 100% and the 3 year investment has a potential return of 50% 

Click here to see how the 3 year returns are trending

Click here to see how the 5 year returns are trending

Term Deposits/GICs

Term Deposits and Guaranteed Investment Certificates (GICs) earn higher interest than regular savings accounts and can help you make the most of your money during your investment time horizon.


The Tax-Free Savings Account is the newest investment vehicle available to meet your short-term and long-term goals.  Contributions and earnings are not taxable, and you don't even pay taxes when you withdraw your money.


Registered Retirement Savings Plans are among the most popular long-term investment vehicles because of their significant tax advantages.

Spousal RRSPs

Spousal RRSPs are similar to individual RRSPs except that designated contributions go into a spousal RRSP plan in your spouse’s name instead of your own, yet you may deduct the amount from your own taxable income.


A Registered Education Savings Plan can help you save for your child’s education. All income earned is tax-sheltered until withdrawn to pay for post-secondary tuition, books and expenses. Plus, the federal government will top up your contributions with grants up to an annual and lifetime maximum.


A Registered Retirement Income Fund provides an income at retirement. Although you may set up a RRIF at any age, it is mandatory at age 71 when you must convert a maturing RRSP to a RRIF.

Mutual Funds *

We provide access to a wide range of high performing mutual funds. All of our Financial Advisors are registered as Mutual Fund Investment Specialists through Credential Asset Management Inc.

Online Brokerage *

With Credential Direct®, the online brokerage for credit union members, you can trade stocks on all Canadian and US exchanges, invest in over 1,800 Canadian mutual funds, choose from a full range of fixed income investments and more.

* Mutual funds are offered through Credential Asset Management Inc. and mutual funds and other securities are offered through Credential Direct® , a division of Credential Securities Inc., which operates as a separate business unit. 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 covered by Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions. Mutual funds and other securities are not guaranteed, their values change frequently, and past performance may not be repeated. Credential Securities Inc. is a Member of the Canadian Investor Protection Fund. ®Credential Direct is a registered mark owned by Credential Financial Inc. and is used under licence.


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