Personal loans and lines of credit

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Term	APR
3 Year Variable	5.45%
1 Year Fixed	5.75%
3 Year Fixed	5.85%
5 Year Fixed	5.84%
7 Year Fixed	6.05%

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RRSPs (Registered Retirement Savings Plans)

Learn how to make the most of your retirement savings at our RRSP Knowledge Centre. Then put your plan into action with our full range of RRSP products: term deposits, socially responsible mutual funds*, and self-directed RRSPs through Credential Direct®.

RRIFs (Registered Retirement Income Funds)

Looking for a safe, secure way to invest your retirement funds? Our RRIFs deliver more when it matters most to you.

Mutual funds*

Do you want to save for a secure financial future without compromising your values? Investing in the family of socially responsible mutual funds from Ethical Funds® gives you the opportunity to do well and do good at the same time.

*Credential disclosure and mutual funds disclaimer.

Online brokerage

Are you looking for ways to self-manage your investments? Now you can. We’re proud to offer online brokerage services through Canada’s top ranked online broker**, Credential Direct®, a division of Credential Securities Inc.

*Credential disclosure and mutual funds disclaimer.

Foreign exchange

If you’re a stranger to changing money, we offer a comprehensive (and very friendly) range of foreign exchange services. We provide exchange services in over 35 major currencies, a full range of payment and transfer options, trading strategies and much more.

¹ Based on rates effective in Canada on September 8, 2006. Major banks include Royal Bank of Canada, Bank of Montreal, Toronto-Dominion Bank, Canadian Imperial Bank of Commerce, Bank of Nova Scotia, ING Direct.

² Rate comparison is based on the advertised 3, 5 and 7 year fixed mortgage rates effective August 15, 2007 and excludes promotional offers. The big five banks are Royal Bank of Canada, Canadian Imperial Bank of Commerce, Bank of Nova Scotia, BMO Bank of Montreal and TD Canada Trust.

The adage that education is the key to success maybe a cliche, but its the truth. One needs education to go through life. People with no solid educational background is doomed not to survive the harsh realities of this world. Due to this fact, the Canada Student Loans exist to provide bright futures for students whose parents are financially incapable of sending them to school. Its aims are to aid and support students in finishing their education and make them competitive as a preparation for the globally active world. An example of a student loan is the Canada Student Loans program that gives deserving students a chance to finish their post-secondary studies. This program was established in 1964 and up to now, it is continually helping Canadian students in their odyssey for education.

In essence, the program was created to provide loans and grants for students to send them to school and afterwards they are going to pay these loans. It is very vital for every participant to pay back or return the loans that were granted to them. Imagine if people under the Canada Student Loans are not able to pay back or return the loans, then there would be no funds to give future students who also need a loan.

Education is a serious matter and so are Canada Student Loans. If people cease to study because they lack the money, then this would affect not only their lives. It goes without saying that the whole country will be affected as well. Countries that have a strong economy are those in the First World regions since they have education. Some individuals in the third world countries cannot go to school because of poverty. As a result, their country remains poor. Canada Student Loans proved that not only can they bring change and impact in the lives of the people given by this chance, but also to the country as a whole.