​Borrowing made easy – just for you.

​Pick a loan to match your goals: 

Personal Loan

Overview

Fast service.  Competitive rates.  Flexibility.  Make the most of your borrowing power at Unity Credit Union with a loan designed to suit your needs.

Key Features
  • Competitive interest rates
  • Relationship pricing
  • You can pre-pay your loan at any time with no penalty and save interest
  • Lower interest rates may apply where security provided
  • Members are eligible for cash rebates through our Patronage Program

Quick Loan

Overview

Get loan funds quickly.  A quick loan provides borrowers with re-advanceable funds up to a pre-approved and authorized limit.  It has a pre-determined payment and may help you take advantage of a rare buying opportunity or take care of an untimely expense.

Key Features
  • Decisions are made quickly and locally, to ensure you get a response as quickly as possible
  • You can pre-pay your loan at any time to save on interest without penalty
  • You have opportunity to receive a better interest rate based on individual circumstances and collateral provided
  • Members are eligible for cash rebates through our Patronage Program

RRSP Loan

Overview

Unity Credit Union makes saving for your retirement a whole lot easier with a CU TAKE TEN® RRSP Loan.  You can max out your Registered Retirement Savings Plan (RRSP) contribution room with a CU TAKE TEN® RRSP Loan and start realizing the benefits of compound interest today.

Key Features
  • Re-payment term up to 10 years
  • Decisions are made quickly and locally, to ensure you get a response as quickly as possible
  • You can pre-pay your loan at any time with no penalty
  • Members are eligible for cash rebates through our Patronage Program

Line of Credit

Overview

A line of credit is an authorized overdraft limit that is attached to your chequing account.  The funds are always available for ongoing credit needs whether it be emergencies or untimely expenses.

Key Features
  • Competitive floating interest rate
  • You only pay interest on the amount used
  • Interest is calculated daily and debited at the end of the month

Student Borrowing

Overview

Finance your future or your child's future with an education loan.  If you or your child are entering post-secondary studies, your tuition fees, textbooks, laptop, living expenses and transportation costs can all be covered with this one loan.

Key Features
  • Decisions are made locally, to ensure you get a response as quickly as possible
  • Make interest-only payments while attending school
  • No age limit
  • Members are eligible for cash rebates through our Patronage Program

Credit Cards

Looking for a credit card that does more?  Look no further.  Unity Credit Union offers a suite of credit card products to fit your needs.  Whether you'd prefer a card with no annual fee, one that earns cash back or one that can get you some amazing travel rewards, we've got a card for your life and spending style.

Need a hand?

​Meet with one of our Account Managers. They'll be happy to guide you through every step of the borrowing process.

Loan Calculator

​Our nifty loan calculator will crunch the numbers to estimate your payments, determine when you’ll be paid off and more. 

Helpful articles and resources

Helpful resources from FCAC

Check out these helpful resources on loans and lines of credit from the Financial Consumer Agency of Canada.

Debt and borrowing 101

There are many ways to manage your debt and borrowing.  

Canada Student Loans and Grants

​Consider a Canada Student Loan to supplement your education costs.