Pincher Creek Credit Union

Pincher Creek Credit Union - Agricultural Services

Strictly Business I or II

My Banking Profile...	The Best Account / Product...
My agricultural operation is a registered company.	Choose one of our Strictly Business accounts.

Personal Chequing or Savings Accounts

My Banking Profile...	The Best Account / Product...
My agricultural operation is not a registered company.	Select any of our personal accounts.

Loans

My Banking Profile...

The Best Account / Product...

I run an agricultural operation.

I require financing.

Pincher Creek Credit Union offers all types of Agribusiness financing including:

Raw land, home quarter and building mortgages with flexible repayment terms based on your cash flow periods
Equipment and machinery loans
Vehicle financing
Livestock purchases
Day-to-day operating loan

Canadian Agricultural Income Stabilization (CAIS) Program

My Banking Profile...

The Best Account / Product...

I run an agricultural operation.

I want a way to stabilize my farm income.

A voluntary program that helps farmers stabilize their long-term farm income. Interest on CAIS accounts is calculated daily and paid annually.

What is the CAIS program?

The Canadian Agricultural Income Stabilization (CAIS) program allows the producer to protect their farm operation against small or large declines in income. The CAIS program directs government funds to those in need by combining stabilization assistance (formerly NISA) with disaster assistance (formerly CFIP / FIDP) under one program. To secure protection, the producers are required to make a fully refundable deposit.

How does the CAIS program work?

Payments are paid out when your claim-year margin falls below your reference margin(1). As your loss deepens, the government assumes a greater share of the cost to replace those losses. Program benefits are calculated using your production margin(2).

Credit Unions working hand in hand with you!

No one understands agribusiness like credit unions. For more than 60 years, we've provided innovative, quality financial services to Alberta producers - and we're here to stay.

We're full-service financial institutions, and your needs are our priority. A Canadian Agricultural Income Stabilization (CAIS) program account is just one of the full range of products and services we offer our farm members. Take advantage of:

competitive interest rates
a variety of investment options
the peace of mind that come from knowing your deposits are fully guaranteed

Need a loan to make your deposit? We can help with that too. Ask about lines of credit and other loan options.

Get the credit union advantage:

Strengthening communities - Funds deposited at a credit union stay in the community.

Equity building - Maximize your deposits with the benefit of competitive investment rates.

Professional advise - Our qualified staff are committed to serving rural communities and the agricultural industry.

Loan options* - Lines of credit or loans to help you make your full deposit

Put yourself in good hands.
Stop by Pincher Creek Credit Union today.

* Some conditions may apply

(1) The reference margin is an average production margin over three of the five years immediately prior to the Program Year. It is calculated taking the last five years of the producers' margin, omitting the highest and lowest and averaging the remaining three years.

(2) The production margin is calculated by subtracting only those expense items directly related to the primary production of agricultural commodities (i.e. feed costs, fertilizer and pesticides). The program benefits will be calculated using the production margin.