July 27, 2020 – Its’s now easier than ever to connect with our local experts, learn more about EasyConnect below!

EasyConnect – Easy to use. Safe and secure. Connect with our Solutions Centre via phone, chat or our *NEW live video feature!

Live Chat
Connecting with you at your convenience is important to us. That’s why we offer secure live chat!

In the bottom right corner of every page on our website there is a chat icon, click that and you are on your way to chatting with one of our local experts in real-time!

*NEW Video Chat
Begin a chat. Then click on the video icon on the bottom right-hand side of the chat window to start a video call with one of our local Solutions Centre representatives!

Video chat appointments are also available with our account managers. Contact us to book an appointment.

Hours of Operation

Connect with us:
Monday to Friday 8:00am – 5:00pm
Saturday 9:00am – 3:00pm

June 1, 2020

Effective Monday June 1, 2020 our Vernon North Branch hours have been extended to:

Monday to Friday 10:00am to 4:00pm and Saturday 10:00am to 2:00pm.

All other branch hours remain the same and our Vernon Main branch is still closed, view our branch hours here.

 

April 9, 2020
IN BRANCH APPOINTMENT PROTOCOL AT VANTAGEONE CREDIT UNION

Thank you for your continued support and understanding. Some further measures that we have taken at this time include:

  • Our branches have further reduced their hours. Learn more
  • All appointments with our account managers will be done over the telephone.
  • We have installed floor graphics to remind members of using physical and social distancing measures while in branch.
  • We have installed plexi-glass barriers at our reception and teller desk areas.

As always, we are here to support you. For further information and financial well-being supports for our members and businesses, please visit our website at www.vantageone.net and ask our staff about remote & mobile banking options.

 

March 17, 2019

IN BRANCH APPOINTMENT PROTOCOL AT VANTAGEONE CREDIT UNION

During this unprecedented time, we realize that our members need us now more than ever for advice and support regarding their financial well-being. Currently, our branches are remaining open and our staff are here to assist you in person, online and on the phone.

As the COVID-19 outbreak continues to evolve, we have decided to implement some further precautions in addition to the ones posted in our notice dated March 12, 2020, in order to help keep our members and staff protected.

Going forward, please be prepared that our staff will be asking you these questions before assisting you during an appointment:

  • Have you travelled outside of Canada, including the U.S., within the last 14 days?
  • Are you experiencing any cold or flu symptoms?
  • Have you been exposed to anyone that has been confirmed to have or is being tested for the COVID-19 Virus?

If you answer YES, to any one of these questions, we will be asking to conduct the appointment with you over the telephone instead of in person, at the branch.

If you answer NO, to any of the questions above, we will conduct the appointment as usual with you. Please be assured that our offices are being cleaned ahead of member appointments as well as after.

While in branch, please also adhere to the following social distancing protocol as set forth by various health organizations across Canada which includes:

  • Refrain from person to person contact including no handshakes or hugs
  • Please use our hand sanitizing stations upon entering and exiting
  • Avoid touching your face and cover coughs and sneezes with your arm
  • Maintain a 1-2 meter distance between yourself and other members in line, as well as with our staff

As always, we are here to support you. For further information and financial well-being supports for our members and businesses, please visit our website at www.vantageone.net and ask our staff about remote & mobile banking options.

– VantageOne Credit Union Staff & Board

 

March 12, 2020

At VantageOne Credit Union, we want you to know that the health and safety of our members, staff and community are top priority.

In line with recommendations from Health Canada, here are a few of the precautionary steps we have taken during this recent outbreak of COVID-19:

  • We’ve asked our employees to make sure they are taking everyday preventive actions to help prevent the spread of illnesses, such as staying at home if sick, washing hands thoroughly, sanitizing personal items and wiping down their work areas.
  • All “High Touch” and “High Traffic” areas will be cleaned regularly including ATMs, desks, keyboards and mouse, chairs, light switches, doorknobs and common areas.
  • Staff have been asked to limit contact with other staff and members including refraining from giving handshakes or hugs and may choose to wear medical grade gloves while serving members.

At this time, based on the current state of our business operations, the direction laid out in our Business Continuity Plan and Pandemic Plan and the guidelines set forth by various health agencies, we feel assured that our branches remain safe for our members, staff and community. Therefore, we are continuing to operate as normal. The situation is being monitored, and any changes to this plan that may impact members will be communicated to you.

For members that wish to minimize their public exposure, we offer digital banking services available 24/7 including online and mobile banking, smartphone apps and Interac® e-transfers. You can also reach our Solutions Centre for assistance and banking over the telephone at:

1.888.339.8328.
8:00 am – 5:00 pm Monday – Friday
9:00 am – 3:00 pm Saturday

– VantageOne Credit Union Staff & Board

Up to $1,500 cash in your wallet for what matters most to you! 

About Our Mortgages – Learn more about our flexible mortgages here.

Apply Online – Start an online application here.

 

Call or visit us in branch to learn more – 

Toll-Free: 1.888.339.8328
Phone: 250.545.9251

*Rates and Cash Back amounts are subject to change at any time without notice. Limited time offer.
Terms and conditions apply, please contact us for further details.

 

For a limited time only we have our February Savings Blitz on select deposit specials. Take advantage of these offers now – March 2, 2020 is the deadline for RRSP contributions.

  • 2.10% – 3 Year Redeemable on Anniversary*
  • 1.90% 18 Month Redeemable After 12 Months*

*Rates are subject to change at any time without notice. Limited time offer. Minimum $500 deposit.
*Terms and conditions apply, please contact us for further details.

TFSA vs RRSP

Canadians have never had so many rewarding ways to help their hard-earned money go the distance!

What is a RRSP?
A Registered Retirement Savings Plan (RRSP) is an investment account that allows you to save money for your retirement while lowering your income tax. RRSPs build your wealth over time, and will put more money in your pocket through tax savings today.
Where saving for the future is concerned, a Registered Retirement Savings Plan (RRSP) is one of your wisest options—and we’re happy to help you set one up so that you can be ready to Retire Your Way!

What is a TFSA?
The Tax-Free Savings Account (TFSA) is a flexible, registered general-purpose savings vehicle that allows Canadians over the age of 18 to set money aside, which grows tax-free, throughout their lifetime. Each calendar year, you can contribute up to the set TFSA dollar limit of that given year, plus any unused TFSA contribution room from the previous year—as well the amount you withdrew the year before. The annual The annual TFSA dollar limit for 2023 is $6,500.  The cumulative contribution limit in 2023 is $88,000.

The biggest determining factor for TFSA vs. RRSP is your income now vs. at retirement.

If your income now is higher than it will be at retirement, then the RRSP is the most effective option for tax efficiency. If your income now is lower than it will be in retirement, then the TFSA is the most effective option for tax efficiency.

With this in mind, our strategies will usually include both components, just weighted differently depending on your unique situation and financial goals.

Why Choose a TFSA?

·  Grow your savings tax free
When you invest in a TFSA any investment growth that is made through the account is not taxed.

·  Withdraw with ease
You can withdraw your funds from a TFSA at any time without penalty, plus withdrawals don’t count as income for taxation purposes (you already paid the taxes before you invested).

·  Keep your benefits
When you withdraw income from your TFSA it doesn’t affect your eligibility for income-related benefits and tax credits such as Old Age Security or Child Tax Benefit.

Why Choose a RRSP?

·  For retirement and more
In addition to retirement, RRSPs can also be used for first-time home buyers and education costs through the Home Buyers’ Plan or Lifelong Learning Plan.

·  Lower your tax bill today
Regular contributions to a RRSP during working years will lower your tax bill when your income is usually highest.

·  Tax-deferred growth
Investments grow tax-deferred. Funds are withdrawn at retirement and typically in a lower tax bracket.

Get started on the right path by booking an appointment today!

Contact Us

At VantageOne, we recognize the importance of Financial Literacy so much so that we actually have a special role dedicated to working with the schools and community groups in our region to improve their financial ability. Meet Kristine Lidstone, Financial Ability Liaison at VantageOne Credit Union.

Kristine started off working for credit unions right out of high school and started her 17 year career with VantageOne as a teller at our Main Branch and has worked in various positions throughout the organization including:

  • – Call Centre Representative (now Solutions Centre).
  • – As a Member Service Representative (MSR) in Armstrong for the opening of that branch.
  • – MSR and Account Manager (for seven years) at the Okanagan Landing Branch in Vernon.
  • – And she assisted with the opening of our Peachland branch.

In her role as Account Manager, she became very aware that our younger generation lacked basic knowledge in the area of everyday banking and credit that they needed in order to be successful at managing their own finances. It became her passion to improve the financial ability of those in the local communities and for over 17 years she has helped provide financial education workshops in the schools and for community organizations in Vernon, Armstrong & area. Kristine’s presentations are informative and fun and specifically tailored to the group she is presenting to, whether it is a Grade One class or Grade 12’s through to young adults and seniors. She is passionate about what she does and in high demand!

When Kristine isn’t at work you will likely find her out in the community walking her dogs, volunteering, watching hockey or enjoying time with her husband, three daughters, and two granddaughters.

Kristine offers digital and in-person presentations that are customized to your audience and needs. Connect with Kristine to learn more!

We want to say thank you.

As our way of saying thank you to you, we’re offering our members a small token to help pay for their lunch at this weekend’s Sunshine Festival.

How It Works:

The first 500 members that visit our Big Yellow VantageOne Tent in the center of the Sunshine Festival, will receive an envelope containing $5.

Members must come to the tent, and display one piece of valid Government Issued ID, and their VantageOne Member Card.

Limited to one per person, at the Sunshine Festival Only.

Not A Member?

That’s fine too, while this lunch offer is specifically for members only, come down and see us, we have an offer for you as well. The first 100 non-members will receive free member shares to join! Terms and conditions do apply.

While credit cards offer amazing convenience we would like to know what other reasons our members choose to pay with their credit cards vs other methods. Have your say and be entered to win a $100 Best Buy gift certificate!

Start Survey


Important Note:
in order to be eligible to be entered into the contest for the $100 Best Buy gift card, you must register with Thought Exchange so that you’ve participated and we have a means of contacting you!

We value and appreciate all of our member’s feedback, and any thoughts that are provided will be kept confidential.