Lines of Credit


A line of credit (LOC) maximizes your purchasing power, while providing valuable overdraft protection for a chequing account. It ensures access to funds when needed, without waiting or arranging for a personal loan. It’s great for personal emergencies, car repairs, major home appliances, investment opportunities, education, RRSP, etc. Rates are lower that retail credit cards, so paying off credit card balances in full each month with a LOC limit can reduce overall borrowing costs.


  • Members control their own credit
  • Funds are easily accessible by debit card, cash withdrawals, or personal cheque
  • Competitive interest rate
  • Flexible payment schedules – monthly, weekly, or bi-weekly
  • Pay interest only on amount of funds used
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