Connect First Wealth

Make a plan for a bright financial future with Connect First Wealth. Our teams will help you plan, manage, and build your financial security.

Whether you are an individual, couple, independent business owner or farmer – whether you are investing for the first time or a savvy long-term investor, we have the experience and solutions to help you achieve the financial goals that matter to you.

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Enhanced Growth Investments

Earn up to 20% over the next 5 years* with the Enhanced Growth investment. Diversify your portfolio with a 3-year or 5-year option, and use them as a Term Deposit, Tax-Free Savings Account or RSP! These unique products offer a rate of return linked to the market performance of key economic sectors with a guaranteed minimum interest income. Plus your capital is 100% guaranteed at maturity regardless of market movements*. Oh, and did we mention it’s free of administration fees and purchase commissions?

Our current 3-year or 5-year options are:

Enhanced Growth Financial Services: Rate of return linked to the performance of Canadian financial institutions.

Enhanced Growth Canadian Diversified: Rate of return linked to the performance of a diversified range of Canadian companies.

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Term Deposits

Your investment needs are covered at Legacy Financial. We offer a full range of Term Deposits with terms from 60 days to five years. You can choose redeemable and non-redeemable options. The minimum deposit for non-redeemable terms is $1,000 while the minimum deposit for redeemable terms is $2,500.

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Alberta Plus Savings

Saving money has never been so easy! Each fall, we offer the Alberta Plus Savings Account as an alternative to purchasing Canada Savings Bonds. With the Alberta Plus Savings Account, your minimum investment can be as little as $100 and you can take advantage of our pre-authorized transfer option where your ongoing investment can be as little as $20 a month.

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Tax Free Savings Account (TFSA)

Unlike a Retirement Savings Plan (RSP) or Registered Education Savings Plan (RESP), a Tax-Free Savings Account (TFSA) can help you save for any purpose. Regardless of your age, there are no restrictions on the way the funds in the account are used. And you’ll never be taxed on your investment income… even when withdrawn.

*Please be aware that if you currently hold a TFSA with Legacy Financial, your registered trustee will change to Concentra on February 15, 2021. Please reach out to us if you have any questions.

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Registered Retirement Savings Plan (RRSP)

Save for retirement and plan for the future. Whether you prefer to invest once a year or you prefer saving a little bit at a time, we can help. There’s no need to wait for  RRSP season to invest – our RRSP investment services are available year round. Pre-arranged bi-weekly or monthly funds transfers are available to help grow your contributions easily throughout the year. RRSP loans can help you save for retirement while deferring taxes today.

Choose flexible terms and options to suit your savings objectives. A variable rate RRSP offers immediate access to your funds at any time. Funds are not locked in and interest is calculated on your daily closing balance and paid semi-annually. If you prefer greater stability in rates, Legacy Financials’ Fixed Rate RRSP’s better suit your needs. Terms range from 90 days to five years.

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Registered Retirement Income Fund (RRIF)

A Registered Retirement Income Fund is an ideal investment vehicle once you retire. A pre-specified amount is paid to you every month or once a year while the remaining investment in the RRIF continues to be sheltered from taxes. RRIF’s must be purchased before the end of the year in which you turn 71. Terms range from 1 to 5 years.

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100% Deposit Guarantee

Credit Union Deposit Guarantee Corporation

With all the different savings and investment options offered at Legacy Financial, you’ll be building a nest egg for the future that you can feel secure about.

Legacy Financial offers you unbeatable peace of mind with a 100% Deposit Guarantee on all your deposits including earned interest. Deposits are guaranteed by the Credit Union Deposit Guarantee Corporation.


*Rates effective as of 11 March 2020.  Terms and conditions apply. All limited time non-redeemable rate offers requiring a $5,000 contribution are new money eligible only. All principal and interest is 100% guaranteed by the Credit Union Deposit Guarantee Corporation, excluding common shares, investment shares, and mutual funds. All rates and products are subject to change without notice. Rates subject to change daily. Step-Up™ products are RSP/RIF/TFSA eligible. Step-Up™ 20% Classic withdrawal provides you with the flexibility to cash (redeem), without penalty, up to 20% of the original principal investment, on term deposits from 12 to 60 months, once each year. Mutual funds, other securities and securities related financial planning services are offered through Qtrade Advisor, a division of Credential Qtrade Securities Inc. Mutual Funds are also offered through Qtrade Asset Management Inc., Member MFDA. The advice on our website is prepared without knowing your personal objectives, financial situation or needs. Before you act on this or any advice, please consider if it’s right for you, and reach out to our teams to help determine if the product is appropriate for you.  Legal Terms of Use apply.


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*Terms and conditions apply. Rates are subject to change without notice. Specials offers may be changed, withdrawn or extended at any time, without notice. All products are subject to Legacy Financial lending criteria, fees and charges for residential properties. The advice on our website is prepared without knowing your personal objectives, fit for you. Legal Terms of Use apply.

A Division of ConnectFirst Credit Union