High Interest just for you!

3&3 GIC 3.00% for 3 YearsThis is a limited time promotional rate, subject to cancellation without notice:

Features of your GIC:• Low minimum investment.

• Invest your funds in registered or non-registered investments, it’s your choice.

• Eligible for transfer of your TFSA or retirement plans to OECU.

• Guaranteed principal and interest.

• Your choice of compounding or annual interest payments to an OECU account.

• Deposits are insured by DICO up to $250,000 for non-registered and unlimited for registered.* Individual and joint ownership available.

* All insurable non-registered deposits are covered up to $250,000. Insurable deposits in registered accounts have unlimited deposit coverage. For further information on deposit insurance, please ask for a brochure at the credit union or visit DICO’s website at www.dico.com.

Why Bank with Us?• We provide financial solutions but we are not a bank…We are

a Financial Cooperative, owned by our members and that makes a world of difference!

• Our primary motivation is providing quality products and services to our members. We are committed to ensuring that our members are completely satisfied with the level of service they receive.

• We specialize and provide service only to active and retired educational employees and their families. Our products and services are designed around your needs.

www.oecu.on.ca

OECU UpdateSpring 2019

Ontario Educational Credit Union… A Full Service Financial Institution Owned and Directed by Educational Employees Like You! All active or retired Educational employees and their family members can join our credit union!

Debt Obligations & Monthly ExpensesThe amount owing and expenses are the obvious downfall to financial freedom but they are also a reality of life.

As for your monthly expenses, only you can determine your needs versus wants, which we appreciate is often difficult…Do I need a daily fabulous flavored limited time seasonal latte? Do I need the jillion channel tv bundle?

Debt obligations are where we can help you. If you a owe debt with multiple suppliers, speak with us and you will be surprised at how much we can reduce your monthly payments and ease cash flow.

Combine & Save on your Home and Auto Insurance.Receive a 15% discount for combining your policies, plus*:• Aligned effective dates - Your policies will renew on one date for

added convenience.

• Excess Liability coverage - Additional $1 million coverage.

• Single deductible - Only one deductible applies if the same claim affects more than one policy.

As a member of the OECU, you can take advantage of great rates and preferred discounts on your home and auto insurance. Benefit from expert advice with a free, no-obligation quote.

* Available through Aviva Insurance

We don’t know what is going to happen but we are all aware that contract negotiations are beginning this month in the educational community. As in all contract negotiations, there is the possibility that they might not go smoothly.

We are not alarmists but we also don’t subscribe to the fabled ostrich method of financial preparedness for what could be a measured shock to your short term financial position.

We can help you prepare for this potential disruption by looking at your personal financial position and coming up with a workable plan that is in your best interest.

If nothing else, let us establish via payroll deduction, a manageable “just in case” slush fund for you.

It is our sincerest hope that you do not realize any disruption and that your discussion with us simply carries on improving your financial health.

Contact us. We can help you.

Be Prepared!

www.oecu.on.ca

“The Educated Choice in Financial Services”

Mississauga Office6435 Edwards Blvd. Mississauga, ON L5T 2P7Toll Free: 1-800-463-3602Phone: 905-795-1637Fax: 905-795-0625

Simcoe Muskoka Office48 Alliance Blvd., Unit B8

Barrie, ON L4M 5K3Toll Free: 1-800-292-7202

Phone: 705-737-5622Fax: 705-737-9946

Look at what else we can do for you!

• Savings

• Chequing

• Investments

• Loans

• Line of Credit

• Mortgages

• Home Equity

Line of Credit

• Automotive

Financing Program

• RESPs

• RRSPs

• RRIFs

• TFSAs

• Member-Link

Internet Banking

• Direct Pay Deposit

• Payroll Deductions

• Insurance Services

• Credit Cards

• Membercard – ABM/POS

• Financial Planning

…and more

Contact HUB International today:

1.855.582.3025