Investing With SPARK

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The best time to invest was yesterday. The second best time is now.

Your investing needs and goals vary depending on the stage of life you're in and your tolerance of risk.

That's why we offer a large selection of investment options to meet your investment objectives, whether it's safety, growth, income, or a combination of the three. We also offer a variety of registered and non-registered account options to help you with your investment needs.

Not sure which option is right for you? Our knowledgeable Financial Advisors are always happy help you navigate investment options, and provide advice tailor-made for your unique situation.

100% Deposit Guarantee

Did you know that all of your deposits with SPARK are 100% guaranteed by the Credit Union Deposit Guarantee Corporation? This means that the funds you invest are always safe and secure, both principal and interest.

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Registered Accounts

A registered account is an investment vehicle that has either a tax-deferred or tax-sheltered status. When income is earned through this account, it is not taxed until the money is withdrawn. In the case of a TFSA — Tax-Free Savings Account — investment income earned with the plan is never subject to taxes. There are several types types of registered accounts, each with it's own benefits.

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Non-Registered Accounts

Non-registered accounts are investment accounts where you can invest in a wide range of assets and are required to pay taxes annually on income generated by the account, therefore not protected by tax-sheltered status like registered accounts.

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Other Ways To Invest

Looking for other investment options?  SPARK members have access to other investment products and services to meet every need. Whether you would like to take a more hands-on approach to your investments, or prefer a "set-it-and-forget-it" approach - we've got exactly what you're looking for.

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Current Investment Rates

Non-Registered, RRSP, TFSA, RRIF, and RESPs Rates
90 Day Non Redeemable 0.60%
180 Day Non Redeemable 0.75%
1 Year Non-Redeemable 1.65%
16 Month Non-Redeemable *PROMOTION* 2.15%
2 Year Non-Redeemable 1.75%
30 Month Non-Redeemable 1.85%
3 Year Non-Redeemable 1.80%
4 Year Non-Redeemable 1.90%
5 Year Non-Redeemable 2.00%