Savings Accounts

FAT CAT® Account (0-12 years)

Vanguard Credit Union’s FAT CAT® Account is a special savings account designed for children aged 12 and under. The FAT CAT® Account is a great way for children to learn the fundamentals of banking and to establish the groundwork for their financial future. Having their own money gives your child a sense of responsibility and allows them to start setting financial goals such as saving for a new bike or iPod.


  • $5.00 share paid by Vanguard. Property of member after account has been open for 1 year
  • No minimum balance required
  • 0.10% Interest bonus on PLAN 24® Savings calculated on the closing daily balance and paid monthly
  • Entitled to purchase GICs and Term Deposits, minimum $100
  • No fee in branch debits/credits
  • Qualify for a No Fee U.S. Premium All-in-One account

PLAN 24® Account

Watch your money grow daily with our Plan 24® Account. Our PLAN 24® Account is designed for members who have balance fluctuations in their savings accounts. Interest is calculated daily, paid monthly and there are no minimum balance requirements.


  • No minimum balance required
  • No fee in-branch transactions
  • MEMBER CARD® debit card available at no cost
  • 40¢ per MEMBER CARD® debit card transaction
  • CU@HOME® Internet Banking
  • No chequing privileges

Vanguard Savings

A longer-term savings plan that pays a higher rate of interest than the PLAN 24® Savings account. Rates are comparable to, or better than, short-term investments without having to continuously manage contract renewals. Interest rates are based on a tiered system and are calculated on the daily closing balance, paid monthly.


  • Tiered interest rates
  • Interest paid monthly
  • Two free debit transactions per month
  • No chequing privileges
  • MemberCard available at no cost
  • CU@HOME® Internet Banking

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Vanguard Credit Union is a full-service financial institution with branches in Binscarth, Birtle, Brandon, Hamiota, Kenton, Miniota, Oak Lake, Oak River, Rossburn, Russell, and St. Lazare.

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