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​​​​​Joining the Plan​

Who can join?

The CSS Pension Plan is a private employment pension plan.

Working with over 350 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.*

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

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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

You'll receive your new member kit once we receive your membership application from your employer.

Reviewing the information in your new member kit 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.

Your new member kit includes:

  • 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
  • Investment Options Matrix
We also encourage you to register for myCSSPEN so you can check your account balance, amounts contributed, project your pension and more.


New member kit contents

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