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      Socially responsible investments are about using your money to build a more economically, socially, and environmentally sustainable world.

      All of Kindred’s GICs are socially responsible! We screen businesses to ensure we aren’t lending to those with a record of unethical or illegal practices, or that operate in ways that negatively impact the environment or human rights.

       
      GICs

      Non-redeemable GICs

      Non-redeemable Guaranteed Investment Certificates (GICs) are a great, low-risk investment option. They are perfect for short-term savings goals, but can also fit in your long-term investment plans. Plus, all our GICs are validated as Socially Responsible Investments (SRI)!

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      Mutual Funds

      Mutual Funds

      Mutual funds are an effective way to diversify your investments and reach your long-term goals. We partner with Qtrade Asset Management and Qtrade Advisor to offer mutual funds that fit your values and offer the potential for a competitive return.

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      Registered Savings Plans

      Registered Savings Plans

      TFSAs, RRSPs, RRIFs, and RESPs are accounts that are registered with the Canadian government, with benefits to boost your savings. 

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      Affordable Housing GICs

      Affordable Housing GICs

      Unique to Kindred, with Affordable Housing GICs you earn a guaranteed, competitive rate while helping to address the affordable housing crisis in Waterloo Region. This impact investment supports loans to providers of long-term, permanent affordable housing.

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      Community Inspiration GICs

      Community Inspiration GICs

      Unique to Kindred, Community Inspiration GICs are a way for you to support your congregation or charity and your community. Grow your wealth with the security of a GIC, and Kindred donates bonus interest to the congregation or charity of your choice.

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      Crisis Care GICs

      Crisis Care GICs

      Part of our Member Assistance Services, and unique to Kindred, Crisis Care GICs offer a way for you to use your innvestment to support those experiencing financial hardship or distress.

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      Partnership GICs

      Partnership GICs

      Part of our Member Assistance Services, and unique to Kindred, you can designate a Partnership GIC to fund a loan to a charitable organization or an individual — give someone a hand up, rather than a hand out. 

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      Investment Shares

      Investment Shares

      When you choose to connect your values and faith with your finances by investing in Kindred, you receive an amazing return, help build Kindred’s long-term sustainability, and ensure that your money makes an impact.

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      ​​
      Financial Services Regulatory Authority

      At Kindred Credit Union, eligible deposits in registered accounts have unlimited coverage through the Financial Services Regulatory Authority (FSRA). Eligible deposits not in registered accounts are insured up to $250,000 through FSRA. Learn more about deposit insurance.

      Use our calculators to help you plan for your future

       

      Planning for Retirement

      There are many ways to save for your retirement, but how much do you need? Use this calculator to find out, so that you can retire comfortably. Planning early is the key to peace of mind. RRSP Calculator

      Creating an income stream in retirement

      When planning your retirement, it’s important to know how your money will work for you. Use this calculator to determine minimum withdrawal amounts, how long your funds will last, and more. RRIF Calculator

      Saving Tax-Free

      Give this calculator a try to see how you can earn tax-free income on your savings. Set your savings goal, and watch your funds grow in a Tax-Free Savings Account! TFSA Calculator

      Saving for College or University

      This calculator can help you build a long-term plan to save for your children’s post-secondary education, and show you how to maximize the Canada Education Savings Grant. RESP Calculator

      Rates

      Get a great rate on a secure investment. See our non-redeemable GIC Rates.

      Check out these helpful articles

      An Exciting New Venture: Introducing the Affordable Housing GIC and Loan!

      #Community Impact

      What’s the difference between a RRSP and TFSA?

      #Saving and Investing

      How can I plan for a retirement income?

      #Saving and Investing

      ​Managing your investments online with Qtrade Direct Investing is easy.

      Pursue your goals with the confidence that comes from expanded investor knowledge and expert insights, with help from an award-winning platform to guide your investment decisions. We’ve partnered with Qtrade Direct Investing so you can buy and sell stocks, bonds, ETFs, and mutual funds with low trading fees. Give Qtrade a try with a 30-day free trial account.

      ​Already have a Qtrade Direct Investing account? Log in here.

      ​Save time with digital advice from Qtrade Guided Portfolios.

      Qtrade Guided Portfolios is a simple online investing platform that makes it easy to save for your goals. This fully automated service lets you benefit from digital advice and helps you build a professionally managed, low-cost portfolio. Get started with Qtrade Guided Portfolios.

      Already have a Qtrade Guided Portfolios account? Log in here.

      Meet with a member 

      of our Wealth and Investment Team for investing advice with values at the core. We can help with your financial plan today.

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      Qtrade

      Mutual funds and related financial planning services are offered through Qtrade Asset Management (a tradename of Credential Asset Management Inc). Mutual funds, other securities and securities related financial planning services are offered through Qtrade Advisor, a division of Credential Qtrade Securities Inc. Online brokerage services are offered through Qtrade Direct Investing, a division of Credential Qtrade Securities Inc. Qtrade and Qtrade Direct Investing are trade names and trademarks of Aviso Wealth Inc. and its subsidiaries. Financial planning services are available only from advisors who hold financial planning accreditation from applicable regulatory authorities. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments and the use of an asset allocation service. Please read the prospectus of the mutual funds in which investment may be made under the asset allocation service before investing. Unless otherwise stated, cash balances, mutual funds and other securities are not covered by the 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.

      Online brokerage services are offered through Qtrade Direct Investing, a division of Credential Qtrade Securities Inc. Qtrade, Qtrade Direct Investing, and Write your own future are trade names and/or trademarks of Aviso Wealth Inc.

      VirtualWealth is powered by Aviso Wealth, a national financial services company that oversees more than $55 billion in assets under administration and management. Aviso includes Qtrade Direct Investing, Canada’s top-ranked online brokerage, and NEI Investments, Canada’s leading manager of Responsible Investments. Aviso is owned by the provincial credit union centrals, CUMIS, and Desjardins.

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