Skip Ribbon Commands
Skip to main content
About us
Who we are
Who we are Plan history
Plan history Governance
Governance Management
Management News
News Contact us
Contact us
About us Members Members Employers
Remit contributions
Remit contributions Employer procedures
Employer procedures Bulletins and updates
Bulletins and updates Employer FAQ
Employer FAQ
Employers Investing
Investment funds
Investment funds Making investment decisions
Making investment decisions Changing your investments
Changing your investments Historical unit prices
Historical unit prices Rates of return
Rates of return Pensions Fund
Pensions Fund Investor stories
Investor stories
Investing Forms and resources Forms and resources COVID-19

​​​​​Joining the Plan​

Who can join?

The CSS Pension Plan is a private employment pension plan.

Working with over 300 co-operatives and credit unions across Canada, the Plan helps eligible employees build their retirement income stream.

If you're an employee of a participating co-op or credit union, then in most cases you would be eligible to join.

Membership in the CSS Pension Plan is a valuable part of your total employment package. Just one in three Canadians belong to a pension plan.*


*Source: Office of the Superintendent of Financial Institutions​​​​​


Continuous service with a co-op or credit union

If you've recently worked with a participating employer member of the Plan – or combination of employer members – your service with that employer may be counted when determining your eligibility to join the Plan.

Service is considered continuous if there has not been a break in employment of more than 12 months.

New member kit

Reviewing the information in the new member kit below is a key step toward learning how the Plan works and the different options available to you that can help your savings grow – according to your own life circumstances and goals.

The new member kit includes:

  • Your Pension Plan information sheet
  • A welcome letter outlining the steps to take to get the most out of your membership
  • Annual financial highlights
  • The Plan booklet
  • Bylaws, Rules and Regulations booklet
  • Designation of Beneficiary form
  • Quarterly Investment Report
We also encourage you to register for myCSSPEN so you can check your account balance, amounts contributed, project your pension, change your investment instructions, and more.

New member kit contents

Welcome letter
The Plan booklet
Bylaws, Rules and Regulations booklet
Designation of Beneficiary form