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V.P. Credit Union offers
a complete selection of accounts and products designed to meet our
members' needs.
 Automated Teller Machines
For your convenience,
V.P. Credit Union has “BRAND NEW” cash machines located at both police
stations giving you access to your accounts and cash 24 hours a day, with
greater reliability without any increases in fees.
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Bill Payment
Save time and money
by paying your utility bills or credit card accounts by phone or Internet
Banking using MemberDirect.
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Business and
Organization Accounts
Business members and
Organizations can take advantage of accounts designed for their specific
needs.
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Custom Cheque Order
In branch cheque
printing, available at your request.
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Deposit Insurance
The Credit Union
Deposit Insurance Corporation, a government corporation, protects the
deposits of all British Columbia credit union members up to a maximum of
$100,000.00 "per separate deposit" (as defined by regulation)
per credit union. Click here for
full details.
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SHARES
Shares of all Credit
Unions are the BIG DIFFERENCE from all other financial
institutions.
These various classes
of SHARES represent individual OWNERSHIP by the MEMBERS and carry several
unusual benefits, including the RIGHT to vote at elections of Directors
and on major issues controlling the direction of V.P. Credit Union.
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Foreign Currency US Cash
Traveling to the
United States or to another destination? You can obtain US cash
before leaving always at favourable exchange rates.
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Internet Banking
Convenient banking
from any Personal computer with an Internet connection. Stay in touch on-line
24 hours a day.
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Phone Banking
Use your touch tone
telephone to access your accounts at 604-683-5300 or 1-877-683-3628. Stay
in touch 24 hours a day.
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Line of Credit
A Line of Credit is a
revolving loan for consumer purposes, attached to a chequing account. The
loan arrangement allows you to borrow up to a pre-authorized limit with
repayment whenever you decide. A minimum monthly payment is required. A
Line of Credit provides great overdraft protection, is always available
and you only pay interest on the daily outstanding balance.
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MasterCard Credit Card
Internationally
recognized and accepted at millions of locations world-wide, MasterCard
can be used to purchase goods, pay for services or for emergency cash.
You receive a monthly statement detailing all your individual
transactions. View your account through the MasterCard link at the
top of the page.
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MemberCard
The multi-use card.
It can be used at cash machines around the globe displaying any of the
following logos - AccuLink, Cirrus, The Exchange, Interac, Cue Strata,
Plus System and automated teller. It can also be used as a direct debit
payment card at thousands of retailers displaying the INTERAC Direct
Payment symbol in Canada. For our European travelers, their
machines will only access "Regular Chequing Accounts".
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Mortgages
A mortgage is a loan
secured by a property, usually a personal residence. Mortgages are
available for many purposes including to assist with the purchase of a
home, a recreational property or a revenue property. Home owners can
harness accumulated home equity by re-mortgaging and using the funds for
investments, debt consolidation or any worthwhile purpose.
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Mortgage Life Insurance
Why take the risk?
Chances are, your home is your single greatest investment. In the event
of death, could your family continue to make the mortgage payments? Level
premiums, joint coverage and non-smoker discounts available.
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Personal Loans
Personal loans are
available for many worthwhile purposes, including vehicle purchases,
vacations, family expenses, education and debt consolidation. The loan
may be secured by assets, such as vehicles or other personal properties,
or made unsecured, on the strength of your established good credit
record.
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Personal Loan Life and
Disability Insurance
These excellent
insurance products are available to safeguard your family's lifestyle and
assets. They also provide you with peace of mind. Applying for
coverage is easy and the premiums are built into your loan payments.
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Mutual Funds
Invest in a portfolio
of securities managed by a portfolio manager and owned
"mutually" by its investors. Mutual Funds are offered through
Credential Asset Management Inc., a wholly-owned subsidiary of Credit
Union Central of Canada. Mutual Fund investments are not
guaranteed and are not insured by any government or other deposit insurer
which insures deposits in credit unions. Unit values and investment
returns will fluctuate.
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Ethical Mutual Funds
Considered one of the
most successful mutual funds in Canada,
Ethical
Funds offer a variety of funds to match your investment preference.
Good performance with high ideals, feel good about your finances. Ethical
Funds are offered through Credential Asset Management Inc. Unit values
and returns will fluctuate. Fund investments are not insured or
guaranteed.
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Deposit Drawer
If you are unable to
visit your branch during business hours to make a deposit you may use the
secure deposit drawer located at both stations.
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Official Cheques
Guarantee your payments
by using an official cheque, also known as a bank draft. An official
cheque is recommended for amounts greater than $250.00. Available in any
amount in Canadian currency. Also available in US dollar drafts.
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PAT (Pre Authorized Transfer) or PAP (Pre
Authorized Payment)
Enables you to have
funds transferred on a regular basis to or from another account. The
accounts can be at V.P. Credit Union or may also involve an account at
another financial institution.
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Payroll Deposit (Always FREE at
V.P.C.U.)
For added convenience
have your payroll, government cheques or any other regular income cheque
deposited to your account directly. Payroll deductions are also
available for most Members at no charge.
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Regular Chequing
Enjoy competitive
service charges and a monthly statement with your cheques returned. This
is an interest bearing account.
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Silver Shield
An account that has
chequing privileges and offers very competitive tiered interest rates,
paid monthly based on minimum daily balances. FREE service charges
when at least $1,000 is on deposit for the entire month.
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US Dollar Accounts
US Dollar chequing /
savings account is available. Minimize exchange costs, save time and charges
and earn daily interest paid monthly.
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Seniors Gold Shield Accounts
For those members 55
years or better, enjoy the special benefits of an account designed to
reward your achievements. This account waives most charges
associated with demand accounts.
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Founders' Club Members
For those members,
whose accounts have been open over 20 years. Enjoy the special benefits
that a Senior Member does and special premium rates of interest on term
deposits and RRSP's as well as special rate discount for some personal
loans.
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All in One Statements
We provide most of
our Members with monthly descriptive statements of all their affairs with
the V.P. Credit Union.
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Plan 24
The easy way to save.
Earns interest on the daily closing balance and is paid quarterly.
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Term Deposits
Earn a higher rate of
interest on your savings by investing in a Term Deposit. They provide
flexibility and are available for periods of 30 days to 5 years. The
interest rate is guaranteed for the length of the term. Funds may be only
withdrawn before maturity, at a lower rate, if redeemable. Watch for
Special Offer term deposits. On term deposits over one year, interest can
be compounded annually, paid annually or monthly.
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Bond Beaters
V.P. Credit Union's
best form of investment term account. Available when Canada Savings
Bonds' are on sale annually.
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RRSPs
Plan for your future
and gain an immediate tax benefit offered by a Registered Retirement
Savings Plan. Choose from a savings (variable rate) account, Term
Deposits, Investment Shares, all offered by V.P. Credit Union or invest
in a registered Mutual Fund.
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RRIFs
Our Registered
Retirement Income Fund gives you control of your registered retirement
savings and the flexibility to adjust your income as your needs change.
Choose from various investment options while maintaining flexibility.
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RESPs
Registered
Educational Savings Plan is a tax deferral plan that enables a subscriber
to shelter investment income while saving for the post-secondary
education of a beneficiary. Choose from various investment options
available at V.P. Credit Union.
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Safety Deposit Boxes
Protect your valuables,
family heirlooms and special documents by storing them in a safe and
secure safety deposit box. We have a selection of boxes available in
various sizes at a very reasonable annual rental rates.
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Stop Payments
If the need arises
you can stop payment of a cheque or a pre-authorized withdrawal from your
account before the item is honoured. A Stop Payment can be processed in
branch or through Internet Banking.
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MTS - Money Transfer System
Need to forward funds
quickly across the city or across the country? V.P. Credit Union can
arrange the transfer of funds through its affiliation with Credit Union
Central of British Columbia. Contact your branch during business hours.
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Travelers Cheques
Reduce the risk due
to theft or loss of cash when traveling by purchasing travelers cheques.
V.P. Credit Union is proud to offer to its member American Express
traveler's cheques in Canadian and US funds. You can also purchase
"Cheques for Two".
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