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Logo of the Co-operative Housing Federation of Canada (CHF Canada), featuring a stylized blue house icon and organization name in blue text on a light background, reflecting its commitment to co-operative housing. Logo of the Co-operative Housing Federation of Canada (CHF Canada), featuring a stylized blue house icon and organization name in blue text on a light background, reflecting its commitment to co-operative housing.
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Membership

Retirement benefits services

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For more than 30 years, CHF Canada has held membership with the Co-operative Superannuation Society (CSS) to provide retirement benefits to our employees – now your housing co-op can too.
CSS logo

CSS offers expert retirement solutions designed exclusively for co-operative employers. Adding CSS to your total rewards program is a powerful way to show your commitment to long-term sustainability and employee well-being.

With flexible design options, you can tailor contributions and other plan features to fit your organization’s needs while supporting your employees’ pension journeys.

Two women wearing lanyards smile and stand together indoors, with a smiling man in the blurred background at a CHF Canada co-operative housing event.

Advantages

The benefits of partnering with CSS are many – for both your employer organization and your employees.

A blue checkmark inside a wavy-edged circle, resembling a verification or approval badge often seen in Co-operative Housing communities or organizations like CHF Canada.
Security and stability

Partnering with CSS provides you with expert pension administration support so that you can focus on running your business – all while helping to secure your employees’ financial futures through a proven, cost-effective, professionally managed plan.

A blue checkmark inside a wavy-edged circle, resembling a verification or approval badge often seen in Co-operative Housing communities or organizations like CHF Canada.
Collective strength

By joining together, your employees gain access to high-quality retirement benefits typically reserved for large employers. With flexible contribution, investment and retirement options, CSS helps employees shape their retirement plan – and helps employers boost recruitment, retention and morale.

A blue checkmark inside a wavy-edged circle, resembling a verification or approval badge often seen in Co-operative Housing communities or organizations like CHF Canada.
Values-driven governance

Managed by and for members with transparency and accountability at its core, CSS is unique in the pension sector. Democratically controlled by the Co-operative Superannuation Society – a non-profit pension society – employee and employer members have a voice in everything that CSS does.

A blue checkmark inside a wavy-edged circle, resembling a verification or approval badge often seen in Co-operative Housing communities or organizations like CHF Canada.
Ease and support

CSS makes retirement planning simple, with tools and personalized guidance at every stage.

Co-operative Superannuation Society

About CSS

CSS brings more than 85 years of trusted experience, growing to serve approximately 330 participating employers and 57,000 current and former co-operative and credit union employees across Canada. With $5 billion in assets under administration, CSS Pension Plan is one of Canada’s largest defined contribution pension plans – built by co-operatives, for co-operatives.

In addition to administering the CSS Pension Plan, CSS supports and serves the co-operative industry by providing defined benefit pension plan investment and administrative services, and pension and retirement income planning services

A group of people poses for a photo on the steps of a wooden lodge in daylight; one person in front holds a teddy bear, reflecting the welcoming spirit of co-operative housing and community supported by CHF Canada.

Ready to learn more?

Discover how CSS can help you offer a retirement benefit that fits your co-op’s values and your employees’ futures.

Reach out today to get started.

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