Are you expecting a tax refund for this tax year? If so, what do you plan to do with the funds? While it is very tempting to spend the funds on a holiday, an e-bike or the latest phone, you may wish to consider other options.

The first priority should be to reduce or pay off your debt. Carrying credit card balances, for example, is paying unnecessary high monthly interest charges. Give us a call and ask about a loan to pay off or consolidate your debt.

Reinvesting some of the refund to your retirement savings is a great option. Contributing now to your RRSP is giving you a jump start on a potential tax refund next year. When you reinvest your refund, you start earning interest on your RRSP contribution right away versus only earning interest when you make a tax time contribution. Also consider paying yourself first by contributing monthly, of even a small amount, to your RRSP.  

Make your money work for you. At CCEC, we can help. Investing your tax refund in an RRSP at CCEC is also an investment in your neighbours and local businesses. We have kept our members' money working in the community since we opened in 1976. 

Give us a call first for your lending, borrowing and investment needs.

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The YES offers cooperative leadership summer camp programs for 14-18 year olds. During the one week camp, youth expand their leadership and team building skills while connecting with youth from around the province. COVID-19 and other associated social issues have impacted our youth in many different ways, and the YES provides community spaces that focus on building leadership, resiliency, connection, mental wellness and more. 

Parents have called the impact of Camp YES as transformative and life-changing for the family, the parents and the youth.  A sponsored camper says:

  • "I'm excited for CCEC to sponsor more youth, because, like me, the lessons they learn at camp will help them immensely in their relationships with family and friends.”
  • "I wouldn't be where I am today without the YES and that’s all thanks to CCEC’s sponsorships throughout the years.”‚Äč

A highlight of our summer at CCEC is receiving the Thank-You cards from the youth.  Here are a few shared experiences: 

  • "This camp was impactful because I learned about how the rest of the world isn’t as fortunate as me.  I learned how to become a good leader.”
  • "I learned to be more careful with my words and to be more considerate.” 
  • "I adored the nightly activity called, Reflections.  It’s a perfect way to let out bottled up emotions in a safe and respectful environment.” 

Youth who want to attend camp can apply for a scholarship to cover the registration fee. The CCEC Scholarship Fund is 100% member supported.  Members donate to the Scholarship Fund and youth apply to be sponsored. 

Youth can complete the attached form or email Joanne for more information. 

To make a donation, send an email to or phone us at 604.254.4100. 

At CCEC, we are proud of our members who donate to the Scholarship Fund and have allowed our youth to go to camp. This is a 100% member funded project. 

Visit their website for more information, to take a look at a typical day at YES camp and learn about some of their favourite activities. 

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