Personal Loans

Flexibility and Competitive Rates

Our personal loans offer flexible terms and competitive rates designed to fit your needs and budget.  A loan for something specific (a vehicle, a boat, a new roof) has a set repayment plan; it means you’ll see your debt reduced every month, and you’ll be debt-free on a certain date.  Consider a personal loan to

  • pay off holiday bills
  • reduce credit card debt
  • make home improvements or renovations
  • purchase a new vehicle

Loan features:

  • competitive fixed or variable rates
  • seasonal specials (check with your branch for details)
  • life, disability, critical illness and loss of employment coverage
  • flexible repayment terms (weekly, bi-weekly, semi-monthly, monthly)
  • payroll deduction option

Investment Loans ... perfect for RSP season!

Ask about our special RSP loans with variable or fixed rates as low as PRIME+1%.

If you need regular access to cash for larger purchases, consider a Line of Credit .

 

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Unsecured Personal Loans Rates
Variable Rate: $2,500-$10,000 Base YNCU P+5% 8.70%
Variable Rate: $10,001-$40,000 Base YNCU P+3% 6.70%
Fixed Rate, 24 month term: Minimum $5,000 8.00%
Fixed Rate, 36 month term: Minimum $5,000 8.50%
Fixed Rate, 48 month term: Minimum $5,000 9.00%
Secured Loans Rates
Variable Rate: $2,500-$10,000 Base YNCU P+3.5% 7.20%
Variable Rate: $10,001-$40,000 Base YNCU P+2.5% 6.20%
Fixed Rate, 24 month term: $2,500-$75,000 6.35%
Fixed Rate, 36 month term: $2,500-$75,000 6.35%
Fixed Rate, 48 month term: $2,500-$75,000 6.85%
Fixed Rate, 60 month term: $2,500-$75,000 7.35%
RSP and Investment Loan: Fixed rate, 1-year term 3.50%
RSP and Investment Loan: Variable rate, YNCU P+1% 4.70%