Save SMARTER For A Secure Future!

The SMARTLiving Retirement Savings Account (RSA) is free of the limitations currently associated with Registered Retirement Savings Plans (RRSPs) and provides a great option to help you save towards a financially sound retirement. You can start your account with just $100 and can set maturity terms for ages 55, 60 and 65. To encourage you to save consistently, the larger your savings balance, the higher your account interest rate will be.

The SMARTLiving RSA will also allow you to access your funds on account maturity without the risk of significant penalties.

Start saving for your best retired life! Open an account online or visit your preferred branch (Walcott Brooks Building, Fairchild Street, Bridgetown; Southern Plaza Oistins, Northern Business Centre Speightstown) today to start saving for your best retired life.

Not a member? Don’t worry, it’s easy to join. Sign up here
To start the process of opening your account or to learn more about the SMARTLiving Retirement Savings Account, complete our Contact Form.

Contact Us

Benefits

  • Anyone over 18 can start a fund to get the best retirement option. The earlier you start to save, the better

  • It allows you to save regularly to accumulate a retirement fund.

  • It helps to provide an income for you after you retire.

  • It is your own personal pension fund.

  • Your savings are invested for you and earn regular interest during the life of the plan.

  • It allows your funds to grow fast and secure

“We tend to wait too late to start thinking about our golden years”

Terms & Conditions 

  • The minimum account balance will be $100.

  •  If $25,000 or more of the account funds are withdrawn at one time before the set account maturity age, members will pay a fixed fee of 5% of the withdrawn amount. Should smaller amounts be withdrawn within one calendar year, the fee will be applied when the total of the withdrawals equals or exceeds the stated amount of $25,000 within the same year.  

  • Members will be allowed one free withdrawal per year, following which a $150 withdrawal fee will be applied.

  • There will be no withdrawals/ transfers out of the account via online banking.

  • Interest will be paid quarterly, and members will receive the stated interest rates for each tiered minimum balance guaranteed for 1 year.

  • Interest rates are subject to change based on prevailing market conditions.

SMARTNet Online Banking

Scroll through payments, transfers and history with just a few taps. You can manage your account, check your Debit Mastercard transactions and transfer money to other AffinityPlus Credit Union members.

SMARTChoices Blog Series 

Keep checking in to get interesting articles and other content to help you optimise your finances, plan your lifestyle and business goals and stay updated on the latest finance and credit union trends.

Savings Calculators 

Choose from our list of calculators to assist you with your important financial decisions.