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To apply online
for your Caisse Loan

- Stockfish Ford Sales	- Gold Fleet Subaru
- Sunset Ford Lincoln	- Stockfish Kia
- True North Chevrolet Oldsmobile	- Daewoo of North Bay
- Hopper Pontiac Buick GMC	- Neddy's North Bay Hyundai

Mortgages
Tired of renting, thinking of purchasing your home or a rental property? Get all the benefits that your Caisse can provide you, to make an informed decision.

- 60 day interest rate protection	- Payment option
- Prepayment option	- Minimum down payment of 5%
- Multi-project option	- Competitive interest rates
- Portable - assumable

Personal Line of Credit
Looking for some overdraft protection and flexibility, thinking of renovating your home or other projects? See for yourself what the quality of our line of credit or home equity line of credit can do for you. Come and visit us to see all the comfort and repayment options we have to offer.

Online Loan Application
In addition to the automobile financing at the dealership, you can apply over the web or visit one of our lending officers to arrange financing for your boat, RV or home renovations. We offer flexible repayment options with your budget in mind!

Regular Savings
Interest is calculated on the minimum balance semi annually and payable at the end of February and August.

Daily & US Savings
Interest is calculated on a minimum daily balance and paid monthly.

Term Deposits / GIC
Caisse Populaire offers an investment vehicle to hold assets at a higher rate of interest than regular savings accounts. This rate is guaranteed for the chosen maturity. The two types of term deposits are:

1. Redeemable
- cashable before maturity (if needed)
- term 1 month up to 5 years
- interest paid at maturity (no interest paid if cashed within 1rst month)
2. Non redeemable
- locked in until maturity date
- term 1 year up to 5 years
- interest paid either monthly or annually

Minimum amount: $500.

Deposit Insurance
Did you know that your deposits are insured by the Deposit Insurance Corporation of Ontario? While the banks offer deposit insurance up to a maximum of $60,000, your deposits at the Caisse populaire are insured for $100,000. You can visit the DICO website by clicking HERE

OHOSP
If you're considering making a home purchase and that you are a first time home buyer, the province of Ontario has a plan to help save money! You could get a tax credit as high as $500! See us for more details.

Registered Retirement Savings Plan (RRSP)
Planning for your retirement? It is never too early or too late... Caisse Populaire offers you different plans to choose according to your lifestyle.

Variable RRSP

• Offers you flexibility such as automatic transfer from current accounts at specific intervals
• No minimum amount

Fixed RRSP

• Gives a better return than variable
• Term: 1 to 5 years
• Minimum amount of $500.00

*In addition to RRSP term deposit, you can also choose different investment vehicles such as:

• index-linked term deposit
• no load mutual funds (see Ethical funds)
• asset allocation funds (see Credential Portfolio Funds)
• labour sponsored funds (First Ontario Fund)

For information, contact our representative.

Index Linked Term Deposit
Dissatisfied with the current low interest rates offered on traditional term deposits? Want to risk getting a better return than your regular term deposit? Why not try an Index-Linked Term Deposit?

• Your principal is guaranteed.
• Deposits are insured by DICO to a maximum of $100,000
• RRSP eligible
• Return is based upon the performance of an Index such as S&P/TSE 60 Index
• Takes advantage of stock market gains without administration or management fees
• Invested for a period of 3 years or 5 years

For information, contact our representative.

Registered Retirement Income Fund (RRIF)
When you reach age 69, your existing RRSP's will have to be converted into a RRIF before December 31st of that year.

RRIF starts paying an annuity the following year.

The annuity (minimum amount) is based either on your age or your spouse's age and is deposited automatically in your current account at specified intervals (monthly or annually).

Advantages of a RRIF:

• annuity is flexible - could be higher than minimum amount
• control of capital thru term deposit investment
• automatic deposit of annuity into current account

For more information, contact our representative.

RESP
A registered education savings plan is an investment that is created for your child's education. As education costs increase, so does the importance of saving for your child's future. Take advantage of the Canada Education Savings Grant (CESG).

General highlight contents:

• 20% Grant is eligible on a $2000.00 maximum contribution made during a year
• tax deferred
• diversify your education investment wisely
• see all options available for your contribution
• see the plan that suits your family

Desjardins Life Insurance
Have peace of mind and protect yourself and your family with the Desjardins Life Insurance. Be well protected!

Available on: Line of credit / Mortgages / Personal loans / Car Loans

Contents of Desjardins Life Insurance

• Life Insurance
• Disability Insurance
• Budget Insurance
• Travel Insurance

For addtional information please visit the Caisse

Business Loans
At Caisse Populaire North Bay, we offer a wide range of loans for small businesses. Caisse Populaire North Bay is an approved lender under the Canadian Small Business Loans Act. Whether it be a term loan or an operating line of credit we can discuss the financial tool that best suits your needs.

*Mutual funds are offered through Credential Asset Management Inc., a wholly-owned subsidiary of Credit Union Central of Canada. Mutual funds are not insured nor guaranteed, their values change frequently and past performance may not be repeated.

Web Banking
"My Caisse populaire at home"
Member Direct gives you the opportunity to do your banking in the comfort of your own home.

Welcome To Credential Direct
The Power of On-line Trading.
The Values of Your Credit Union.

Trade any time, anywhere with Credential Direct®. We are owned by the credit union system, so you get the same great service you expect from your credit union.