Join the 67,500+ members who bank with us!
Compare and see what's best for you
Overdraft
Get approved for a safety net to cover unexpected expenses.
- Interest Rate: 15% to 20%
- Interest calculated daily on closing balance
- Payment Options: Flexible
- Additional Payments: Unlimited
- Interest Charged: On what you spend
- Fees: $10/year if overdraft is less than $500 and $25/year if over $500
- Access to Funds: full access to approved credit limit
- Rewards: Earns quarterly Member Rewards
For full details, please see our account and fee information.
Line of Credit
Get approved for a safety net attached to your chequing account.
- Interest Rate: Prime + 1.5% to Prime + 12%
- Monthly Payment: Flexible
- Payment Options: Flexible
- Additional Payments: Unlimited
- Interest Charged: Monthly on outstanding balance
- Fees: $10 to $25/year based on approved amount
- Access to Funds: full access to approved credit limit
- Rewards: Earns quarterly Member Rewards
For full details, please see our account and fee information.
Personal Loan
A one-time loan with purpose.
- Interest Rate: Prime + 1.5% to Prime + 15%
- Monthly Payment: Standard
- Payment Options: Weekly, biweekly, or monthly
- Additional Payments: Unlimited
- Interest Charged: Monthly on outstanding balance
- Fees:
- Unsecured credit: $50 one-time set-up fee plus 3rd party fees
- Secured credit: $100 one-time set-up fee plus 3rd party fees
- Access to Funds: once the loan is spent or an amount is paid off, you no longer have access to those funds
- Rewards: Earns quarterly Member Rewards
For full details, please see our account and fee information.
HELOC
A line of credit secured by the equity in your home. Home renos are tax deductible!
- Interest Rate: Prime + 1%
- Monthly Payment: Flexible
- Payment Options: Flexible
- Additional Payments: Unlimited
- Interest Charged: Monthly on outstanding balance
- Fees: $100 one-time set-up fee plus 3rd party fees
- Access to Funds: full access to approved credit limit
- Rewards: Earn quarterly Member Rewards
For full details, please see our account and fee information.
Credit Cards
A perfect balance of premium rewards and low rates.
- Interest Rate: 11.99% to 20%
- Required to make minimum payment and interest charged on outstanding balance
- Payment Options: Flexible
- Additional Payments: Unlimited
- Interest Charged: On what you spend
- Fees: $0 to $120/year based on card
- Access to Funds: full access to approved credit limit
- Rewards: A variety of options to earn more on your purchases
For full details, please see the Rewards Terms & Conditions for card of choice.
Join the 67,500+ Canadians who bank with us
“It feels great to know money is there when you need it. You only pay interest on the amount you use.”
“It feels great to know money is there when you need it. You only pay interest on the amount you use.”
“It is so convenient to have, to be able to make purchases for our wedding, home, and any other costs!”
“It is so convenient to have, to be able to make purchases for our wedding, home, and any other costs!”
Get the money you need
Need more help choosing your loan?
Learn more about our accounts and services. Review our Account and Fee Information (pdf).
Identify the interest rates applicable to your account(s) and how they're calculated. Review our About Our Interest Calculations (pdf) document.